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Mortgages and Home Buying

Build firm foundations. Buying a home is a big decision, in your home town and in home towns throughout the world. So whether you are a first-time or repeat buyer we will guide you through the maze.

Everyone's situation is different. We, at JS Financial Advice Service Limited, recognise this and can tailor our expertise accordingly. We will endeavour to quickly help you make the best decision for your particular situation and tell you how much it will cost.

We, at JS Financial Advice Service Limited, know buying a home can be costly and complicated. So we will always strive to provide you with a straight-forward and straight-talking service, which is inline with our no-jargon approach. We will speak your language, whatever that may be.

The mortgage market tends to be fraught with difficulties as in our opinion, the banks and building societies are making mortgage increasingly difficult to obtain and at the same time make the cost of borrowing very expensive.


Arrangement fees of in excess of £1,000 are becoming the norm. The bank base rate remains at 0.5% but now it is almost impossible to obtain a fixed rate for under 4%. Differentials for tracker rates are on average 3.5% above the bank base rate. It is no wonder that banks are beginning to make profits again.


There is no doubt that lenders are making life difficult for firms like JS Financial Advice Service Limited. Despite the problems, we continue to offer our clients mortgage reviews and often this involves us simply telling clients to remain whether their existing lender on the variable rate.


If you are looking for a mortgage review, do not hesitate to contact us.


Use our tool below to find the best rate mortgage for you. Click on the email icon next to the choices you are interested in.