Expert Mortgage Advice Tailored to Homeowners, First-Time Buyers & Property Movers

Navigating the residential mortgage market can be complex, whether you're buying your first home, moving up the ladder, or refinancing your current property. At JMS Private Clients, we offer clear, independent, and personalised advice to help you secure the best mortgage solution for your needs.

What is a Residential Mortgage?

A residential mortgage is a loan secured against a property that you intend to live in. The amount you can borrow typically depends on your income, credit history, deposit size, and affordability criteria set by lenders.

Who We Help

✅ First-Time Buyers

✅ Home Movers

✅ Remortgage Clients

✅ Help to Buy / Shared Ownership Applicants

✅ Self-Employed Individuals

✅ Professionals & High Net-Worth Borrowers

✅ Clients with Adverse Credit

✅ Expat or Non-UK Resident Applicants

Remortgaging & Capital Raising

Whether you're coming to the end of your fixed term, consolidating debts, or raising capital for home improvements or investment, our remortgage service helps you:

✅ Save money with better rates

✅ Unlock equity tied up in your property

✅ Restructure your repayment terms

✅ Switch from interest-only to repayment (or vice versa)

We handle the entire process, ensuring a smooth transition with minimal disruption.

Why Choose JMS Private Clients?

✅ Whole-of-Market Access – We compare products from over 100+ lenders

✅ Personal Service – One-to-one advice and direct access to your mortgage broker

✅ Specialist Expertise – Self-employed? Complex income? Poor credit? We can help

✅ Speed & Efficiency – Fast decisions, mortgage-in-principle within hours

✅ Transparent Advice – We explain everything clearly with no jargon