Michael Thomas - Just Mortgages

Independent mortgage adviser  23 Laxton Gardens, Royal Tunbridge Wells, TN12 6BB
First meeting at adviser's own cost
Taking the stress out of choosing the right mortgage. Providing professional and individual mortgage advice
We can advise you on
Bad credit
Building your home
Buy my next home
Buy to let
Buying first home
Flexible mortgages
High loan to value
Mortgage protection
Next home / Remortgaging
Right to buy
Self-employed mortgages
Response rating
FCA authorised
Last authorised 16th May 2022
What our clients say
I recently contacted Michael for some mortgage help.. I know absolutely nothing about mortgages and I couldn’t have found anyone better to help us, he explained everything we needed to know and was just at the end of the phone if we had any questions.. would highly recommend him.. thank you Michael
J Coles, TA24
would like to thank you, very much, for making my mortgage transfer as stress free as you could...I know I had lots of things go wrong, none of which were anything to do with you at all, but you stayed calm with me and made me feel calm in a time when I didn’t know what on earth was going on! You have always been available at the end of a phone for me, and I truly couldn’t have done this without you, so thank you again and I would certainly recommend you to anyone who needs a mortgage broker!!
Suanne, kent
Michael, Thank you for your e-mail. As I indicated to you when we spoke, I found your approach to be frank and honest in dealing with my queries that helped me reach a conclusion which, unfortunately on this occasion, did not lead to a business opportunity for you. I would like to record my thanks to you for your help and have no hesitation in referring others to you should the opportunity arise.
David, TN12
would like to once again thank you for securing our re-mortgage. You have saved us hundreds of pounds and supported us through every step of the way. You have always been prompt and efficient with communication and this has helped reduce the stress of the process. I would highly recommend your services in the future. I will see you again in 5 years!! Regards, Alan
alan, brighton
have used Michael's services twice. each time he has looked around for a cheaper mortgage for us. I can easily get bogged down and anxious with form filling, Michael has always been there to help me step by step by phone or facetime. Michael has been so helpful in organising, researching and form filling for us. I would highly recommend Michael to anyone who are considering changing mortgage companies
Kym Grant, dartford
After a rocky start and frustration with a big brokerage firm and two lenders refusals we decided to look for an independent financial adviser. We stumbled upon Michael and noted his glowing reviews and hired him. In the first video call Michael was able to help us identify the issue we had on our credit file and allowed us to amend it and get to a mortgage offer in a fast and smooth process. Michael provided as well tailored advice for life insurance and really listened and worked hard to find the most suitable coverage based on our needs. Thanks to his dedication and constant updates he made the experience of getting a mortgage a lot less stressful and much more transparent. We are so glad we hired him and we'll definitely use his services again and confidently recommend his services to anyone looking for a mortgage broker, 6 stars out of 5.
Massimo, Purley
We used Michael as our mortgage broker as first time buyers, he made the whole experience straightforward and he was very efficient. He was always available to answer any queries we had and assist us with getting our first mortgage. Would recommend to anyone looking for a great mortgage adviser.
Emma, tunbridge wells
Michael was great and helpful throughout the whole process. Always available and nothing ever felt too much trouble. Would use him again for sure!,
Simon, tunbridge wells
Michael did a brilliant job on our previous mortgage so when it was time to renew it, it made sense to get Michael involved again and got us a great deal 🙂 I would highly recommend Michael.
Christine, kent
Very helpful in getting my remortgage through. Kept going until it was completed and overcame many problems for me along the way. Would certainly recommend
Simon, kent
I genuinely recommend Michael to anyone seeking a mortgage. He has helped me enormously to find the most appropriate deal for my age and circumstances, and throughout the process has kept me fully informed and up to date with developments. And if there was any delay, he was quick to chase the authority and explore what was happening. He is thoroughly professional and immensely helpful on all counts, and I would not hesitate to use his services again if needed.
John, kent
About us

With over 25 years’ experience in Mortgage Advice, I offer all of my clients a totally personalised
and professional service in all aspects of their mortgage. Whether it be a full involvement in the purchase of a new
property (including negotiating on purchase prices, dealing with chains, dealing with solicitors etc.)* Or re-mortgaging
your property and/or raising funds for any legal purpose. I will be your only point of contact throughout the process.

*The services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited
accept no responsibility for this aspect of our business. These products are not regulated by the Financial Conduct

Our services

Our services

• Liaise with estate agents or builders and or solicitors

• Make sure the mortgage I recommend will fit 1st time.

• Review your mortgage every time it’s up for review.

• Make sure you have the right protection so if the worse happens your family will be financially supported.

* Residential Mortgages
* Buy to Let Mortgages (1)
* Life Insurance
* Critical Illness Insurance
* Income Protection
* Buildings & Contents Insurance.
* Accident, Sickness and Unemployment Cover.

(1) Not all Buy to Let mortgages are regulated by the Financial Conduct Authority

Where to find us
Head office address: 23 Laxton Gardens, Royal Tunbridge Wells, TN12 6BB
Service coverage
Preferred clients
Minimum mortgage value
Advice methods
  • phoneButton
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face

Your home may be repossessed if you do not keep up repayments on your mortgage.


Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of Openwork
Limited, which is authorised and regulated by the Financial Conduct Authority.
Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD.
Registered in England No. 2412345

Response rating
FCA authorised
Last authorised 16th May 2022

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