BTL mortgages
Mortgages & Property Finance
Bridging finance
Remortgages
Commercial & development finance
Holiday let mortgages
HMO mortgages
Built by property investors, for property investors
Why choose JPM?
If you’re a property investor looking for a mortgage broker
You’re in the right place
At JPM, we’re more than just brokers – we’re property investors too.
With years of hands-on experience as property investors, we know what it takes to build a successful portfolio. That’s why we move fast, secure the right finance, and get deals done — even under the toughest deadlines.
Whole-of-market access to lenders
Quick
turnaround times
turnaround times
Competitive rates and products
Expertise in property investment
Pricing
We charge a 1% broker fee, based on your loan amount, and it’s paid in two parts:
• 0.25% Engagement Fee
✅ You’re not committing any fees before we’ve added value
✅ Real work is done before any payment is expected
✅ You only pay when progress
has been made
Our friendly pricing structure means:
– Payable only after we’ve completed our research
and submitted your application to a lender.
• 0.75% Broker Fee
– Payable only after you’ve receive
a formal Offer Letter from the lender.
a formal Offer Letter from the lender.
Frequently Asked Questions
As property investors ourselves, we know what you need. That’s why we specialise in mortgages & property finance for property investors with access to whole-of-market lenders, for:
- Buy-to-let mortgages;
- HMO mortgages;
- Furnished holiday let mortgages;
- Bridging finance;
- Remortgages and;
- Commercial property finance.
We cater to a range of clients, including first-time investors, seasoned property investors, and those looking to refinance existing properties.
Our process is straightforward and follows four key steps:
- Consultation – We discuss your financial goals and mortgage needs.
- Submit Application – We help you prepare and submit your mortgage application.
- Offer Received – You receive an offer from the lender.
- Completion – Finalise your mortgage and secure your financing.
Yes, as a mortgage broker, we may charge a fee for our services. The exact fee will be discussed transparently during your initial consultation, so there are no surprises.
A Decision in Principle (DIP) is an agreement from a lender indicating how much they are willing to lend you, based on your financial details. This step helps demonstrate your purchasing power to sellers and estate agents.
Timelines can vary, but typically, the process from consultation to completion takes between 4-8 weeks. Factors like documentation and lender response times may influence this duration.
Common documents include proof of identity (passport or driving license), proof of address, bank statements, proof of income (payslips or tax returns), and any other relevant financial information. Don’t worry - we will walk you through this during your consultation.
We understand that circumstances vary, and having a poor credit history doesn’t necessarily disqualify you. We work with a range of lenders, including those that consider applicants with less-than-perfect credit. So have a chat with our team!
Yes, we assist clients who are looking to remortgage or refinance their properties to secure better rates or release equity.
Yes, in addition to mortgages, we can guide you through bridging finance solutions for short-term funding needs. We also look at the bigger picture by helping you with a mortgage after your bridge (if necessary).
Yes, absolutely. We can assist overseas investors looking to purchase property in the UK, provided they meet certain criteria. We’ll discuss your specific situation during the consultation phase.
Certainly. We believe in clear communication and will keep you informed at every stage, from submitting your application to receiving the offer and completing the process.
We provide mortgage services for a range of properties, including buy-to-let, HMO, furnished holiday let, commercial and development projects. We will more than likely be able to help you with any property investment project.
Simply reach out to us through our website, and we’ll guide you through the initial consultation to kickstart your mortgage journey.
We charge a 1% broker fee, based on your total loan amount. This fee is split into two parts for fairness and transparency.
Our fee is paid in two stages:
• 0.25% Engagement Fee – payable only after we’ve completed research and submitted your application to a lender.
• 0.75% Broker Fee – payable only after you’ve received a formal Offer Letter from the lender.
• 0.25% Engagement Fee – payable only after we’ve completed research and submitted your application to a lender.
• 0.75% Broker Fee – payable only after you’ve received a formal Offer Letter from the lender.
This covers the work we do to assess your case, source the most suitable finance product, and prepare your application for submission. We only request this once we’ve actively progressed your case.
No. We believe in complete transparency. All fees are clearly outlined upfront
Copyright 2025. James Property Mortgages
Built by property investors, for property investors
James Property Mortgages Ltd is an Appointed Representative of The Fiducia Network Ltd, which is Authorised and Regulated by the Financial Conduct Authority under FRN 917537. We are a credit broker and not a lender. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the FCA. We source finance from the whole of the lending market, who may pay us commissions. These commissions may vary depending on the lender, product, or other permissible factors.
Registered Office: Unit 1 Derwent Business Centre, Clarke Street, Derby DE1 2BU.
Registered Office: Unit 1 Derwent Business Centre, Clarke Street, Derby DE1 2BU.