Built by property investors, for property investors
BTL mortgages
Mortgages & Property Finance
Remortgages
Development finance
Bridging finance
Holiday let mortgages
HMO mortgages
Built by property investors, for property investors
Commercial finance
Residential mortgages
Expat mortgages
Islamic finance
Auction finance
Refurb finance
via our regulated partner
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.
As a property investor myself, I built the kind of service I actually use - that's why JPM offers:
Whole-of-market access to lenders
Quick
turnaround times
turnaround times
Competitive interest rates & products
Fair pricing - you only pay when work is done
Learn more
Learn more
Learn more
Learn more
‘Whole-of-market’ means we’re not tied to a small panel. We search 100s of lenders
to match the right fit for you.
to match the right fit for you.
Our brokers can work to tight deadlines - especially on purchases like auctions or bridging.
Because we work with so many lenders, we can match you with more products - even if you have bad credit.
We provide free advice until you’re ready to apply. This means we’ve done our work before you pay.
Because we work with so many lenders, we can match you with more products - even if you have bad credit.
We provide free advice until you’re ready to apply.
This means we’ve done
our work before you pay.
This means we’ve done
our work before you pay.
Pricing
🏠 Mortgages
Fixed £495 Final Fee, split into two stages:
Broker Fee: 0.5% of the loan amount (minimum fee: £495) split into two stages:
Broker Fee: 0.5% of the loan amount
Broker Fee: £495 Fixed
split into two stages:
(minimum fee: £495) split into two stages:
- £95 Commitment Fee – After we've done our research & submitted your application (deducted from your final fee)
- Remaining Balance – After you’ve received a formal offer from the lender
🧱 Bridging loans
- £95 Commitment Fee – After we've done our research & submitted your application (deducted from your final fee)
- £400 Final Fee – After you’ve received a formal offer from the lender
(BTL, HMO, Holiday Let, Remortgages)
🙅♂️ I was tired of mortgage brokers hiding their fees.
That's why I've made pricing transparent from the outset so you know exactly what you're paying for and when ⤵️
What makes our pricing different?
Free advice until you’re ready to apply
You only pay once real work has been done
No hidden fees — ever
£95 commitment fee is per case — not per lender 🙌
Frequently Asked Questions
James Property Mortgages (JPM) is a UK-based mortgage broker built by property investors, for property investors. We specialise in helping landlords, developers, and buy-to-let investors — and we also support first-time buyers and home movers through our trusted residential partner.
We provide whole-of-market access to a wide range of finance solutions, including:
- Buy-to-Let Mortgages
- HMO Mortgages
- Furnished Holiday Let Mortgages
- Bridging Loans
- Remortgages
- Development Finance
- Commercial Finance
- Residential Mortgages (via our regulated partner)
- Expat Mortgages
- Islamic Finance (Shariah-compliant, interest-free options via our referred partner)
As a property investor myself, I built a service I actually use — because I know what matters: whole-of-market access (not just a limited lender panel), quick turnaround times, and fair, transparent pricing.
‘Whole-of-market’ means we aren’t restricted to a small panel of lenders. We compare options across 100s of lenders to find the right fit for your deal — unlike many brokers who only work with a limited few.
We keep it simple and streamlined:
1. Apply Online
Start in just 5 minutes with our online form.
2. We Find Your Finance
We review your info & match you with the most suitable lender.
3. Application Submitted
We handle the paperwork and submit your application.
4. Offer Received
You receive a formal offer outlining the terms. Simple!
1. Apply Online
Start in just 5 minutes with our online form.
2. We Find Your Finance
We review your info & match you with the most suitable lender.
3. Application Submitted
We handle the paperwork and submit your application.
4. Offer Received
You receive a formal offer outlining the terms. Simple!
We refer Shariah-compliant property finance through our referred lenders who may be able to offer you ethical, interest-free options that align with Islamic principles.
We refer residential cases (e.g. first-time buyers, home movers) to our regulated partner.
Absolutely — we work with expats and overseas buyers looking to invest in UK property, including through Ltd companies.
Yes — we have access to specialist lenders who can consider applications even with adverse credit history.
I was tired of mortgage brokers hiding their fees. That's why I've made pricing transparent from the outset so you know exactly what you're paying for and when ⤵️
🏡 Mortgages (BTL, HMO, Holiday Let)
£495 Fixed Broker Fee, split into two stages:
🧱 Bridging Finance0.5% of the loan amount
(minimum £495), split into two stages:
🏡 Mortgages (BTL, HMO, Holiday Let)
£495 Fixed Broker Fee, split into two stages:
- £95 Commitment Fee – After we submit your application (deducted from final fee)
- £400 Final Fee – After you receive a formal offer from the lender
🧱 Bridging Finance0.5% of the loan amount
(minimum £495), split into two stages:
- £95 Commitment Fee – After we submit your application (deducted from final fee)
- Remaining Balance – After you receive a formal offer from the lender
You pay the £95 commitment fee once your application is submitted to a lender. The remaining balance is due only once a formal offer is issued.
None. No surprises, no extras — just clear, transparent pricing.
A Decision in Principle (DIP) is a lender’s initial confirmation that you’re likely to be approved based on the information provided.
We help first-time landlords, experienced investors, portfolio landlords, expats, overseas buyers, Ltd companies, home buyers and pretty much anyone looking for property finance.
Most cases take 2–6 weeks from submission to offer. Bridging and auction deals are usually quicker if you have a deadline to meet.
Yes — we’ll keep you informed at every stage, and you can always reach out if you need help along the way.
Yes — we work with trusted partners who can assist with:
- Conveyancing (solicitors)
- Independent Legal Advice (ILA)
- Landlord & Buildings Insurance
- Life and Critical Illness Insurance
Contact us
It gives our brokers everything they need to review your case — and once they’re in touch, you can ask any questions directly.
The best way to reach us is by submitting an application.
For anything else, you can reach us at:
📧 hello@jamespropertymortgages.io
📧 hello@jamespropertymortgages.io
In the meantime, check out our FAQs for quick answers.
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.