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All Services

From Mortgage Advice Services through Family Protection to Home Insurance, our objective is to cover the spectrum of our clients' needs.

  • First Time Buyer Mortgages

    Being a First Time Buyer can be very exciting but also daunting, due to the vast amount of choice on the market. At DJB Mortgages, we like to make sure that we take all the worry away, guiding you through the process, and making sure you get the best advice possible.

    From our first initial meeting, we will discuss what you are wanting to achieve and put in place the best financial advice for your aspirations, and making sure we guide you all the way through to gaining your mortgage offer.

  • Home Movers

    Moving home can be one of the most stressful events that life can throw at us. Dealing with so many different people, Solicitors, Estate Agents, Surveyors, your mortgage, DJB Mortgages like to make sure that you do not need to worry about the mortgage, as this can be the part that makes or breaks the transactions, with so many lenders, it becomes a minefield for clients choosing the correct lender.

    DJB Mortgages makes sure that you get the best advice for your situation, as we understand each client's situation is different. We also take the worry away from securing the finances to make the move happen.

  • Remortgage

    You can look to remortgage your home for many reasons such as your current mortgage deal is about to expire and you don't want to experience 'PAYMENT SHOCK', debt consolidation, releasing equity for an additional home purchase, paying for the children's wedding, and many other reasons.

    Here at DJB Mortgages, we are here to give you the best advice possible around all your choices when looking to remortgage and will make sure that you get the best advice for your situation.

  • Help to Buy Scheme

    The government has created the Help to Buy schemes including Help to Buy: Shared Ownership and Help to Buy: Equity Loan to help hard-working people like you take steps to buy your own home. Whether you are planning to buy your first home or looking to upscale from your current property, the Government’s Help to Buy scheme can assist you in purchasing a new home.

    If you are wondering which scheme is right for you, this is were DJB Mortgages as a specialist Help To Buy Mortgage Adviser can assist.  With a clear idea of your finances, we are qualified to research the lenders market and prepare the advice needed around each scheme. It is on us to make sure that you fully understand your options before you start researching the property market.

  • Self-Employed

    Being self-employed or a contractor can sometimes make it feel like getting a mortgage is impossible as sometimes the banks just do not understand how you are being paid. and advise you that you can not gain a mortgage.

    Whether your a sole trader, company director, CIS (Construction Industry Scheme) worker, IT contractor or any other type of self-employed worker, we are able to give you expert mortgage advice. We can make sure that we advise you on a mortgage that is tailor-made for your income structure.

  • Purchase

    With state pension projections dwindling, investing in bricks and mortar may provide a longer-term solution for your retirement. Alternatively, the savvy parent might purchase a multi-let property student share house providing an income and housing solution whilst their child is at university.

    There are lots of reasons why our customers go down the buy to let route, and with increasing regulation, tightening criteria and changes in taxation on landlords it makes sense to get professional advice on Buy to let mortgages

  • Portfolio Landlords

    At DJB Mortgages we specialise in Portfolio landlords. Under new regulations brought in 'landlords' that owned 4 or more Buy to Let properties with mortgages on became known as a Portfolio landlord.

    With this regulation being brought in some mainstream (High Street) lenders decided that they didn't want to provide mortgages for portfolio landlords due to the extra diligence they have to go through.

  • House of Multiple Occupants

    A House of multiple occupants can be classed in many different ways, as each local council can interpret the guidelines set out by the Government, however, this is what the Government sets out.

  • Limited Company

  • Life Insurance

    This should be a serious consideration to protect your mortgage should the worst event happen. Although this type of insurance isn’t appropriate for everyone with a mortgage, it’s certainly what we would recommend as the minimum type of cover for couples or those with children, as the mortgage is normally the largest monthly payment.

  • Critical Illness Cover

    Critical illness cover pays a tax-free lump sum if you're diagnosed with a defined critical illness during the policy term. At DJB Mortgages we liken these to life-changing illness , such as cancer, heart attacks, loss of sight/hearing and many more. Provided you keep paying your premiums, you should be covered throughout the term. Once the policy term ends, all protection stops.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THE INFORMATION ON THIS WEBSITE IS FOR USE OF RESIDENTS OF THE UNITED KINGDOM ONLY. NO REPRESENTATIONS ARE MADE AS WHETHER THE INFORMATION IS APPLICABLE OR AVAILABLE IN ANY OTHER COUNTRY WHICH MAY HAVE ACCESS TO IT.

 

DJB Mortgages is a trading name of Just Mortgages Direct Ltd 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

Image by Dan Edwards

Keep in touch

T  01243 349259

hello@djbmortgages.co.uk

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Locations

92 Little Breach

Chichester

PO19 5TZ

Suite 5 , 1 Epsom Road
Guildford
GU1 3JT

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