Mortgage Joy Limited

We believe that when you apply for a mortgage you should get a level of support and customer service deserving of the biggest financial decision of your life.

That's why we ensure a mortgage expert is dedicated to you throughout your journey and always available.

And we provide our advice FREE.

We set out to make it easier for mortgage seekers to get through the mortgage application process. In this day and age we feel a borrower should be able to progress their application and contact their dedicated mortgage expert while on their sofa from their mobile on a Saturday night.

So we built technology to make that happen.

We helped 400 First Time Buyers with £55m of mortgage applications in the space of just 6 months in 2020. Since then, we're recruiting as many great mortgage experts as we can to keep up with the growth.

We provide expert Mortgage and Protection advice and this is how we like to do it:

Step 1 - A quick initial call to understand your objectives

Step 2 - A quick 'Fact find' exercise

You want to know how much you can borrow and what it will cost. The Fact Find allows me to figure that out and get you a Decision in Principle (DiP) certificate

If you are buying a home you'll be viewing properties. The DiP cert will help with this.

Step 3 - When you have found your property (you might already have it if its a remortgage/switch) its time for me to submit a full application to a lender.

We have technology to make this step easier and quicker for you.

Step 4 - When accepted by a lender we'll send your mortgage offer to your solicitor and they'll cover the legals to complete

Step 5 - While the solicitor completes the legal we'll do a call and review your life insurance needs to ensure peace of mind for the future

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