Mortgages can seem both daunting and confusing. Our job is to simplify and streamline every step of the way.
your property may be repossessed if you do not keep repayments on your mortgage.
LWM Mortgages provides expert mortgage, protection, and insurance advice. LWM Mortgages is a trading name of Just Mortgages Direct Limited and LWM Mortgages is the name under which we carry out these services. LWM Mortgages is not a business in its own right, it is part of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Just Mortgages Direct Limited was set up in 1989 and has been part of The Openwork Partnership since 2016.
The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.
We know how important it is to get your mortgage right, and we know how to get you there in a stress-free, streamlined process.
When it comes to mortgages, it’s easy to get lost in the details. Our job is to source the right options for you, then explain them to you and provide complete guidance based on your wants and needs.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Send us a message and we’ll get back to you as soon as we can.
A remortgage is when you take out a new mortgage on your existing property, in order to obtain a different deal.
If you have poor credit, you may still be able to get a mortgage. It will depend on things like your affordability and expectations of the lender.
The fees you incur when taking out a mortgage will vary but you can typically expect to pay an arrangement fee, a booking fee, a valuation fee, and possibly some other smaller fees, there are lenders with fee free options, all will be discussed at length with your broker.
There is no legal requirement to take out insurance when you get a mortgage, but your lender will want you to have buildings insurance in place.
A buy-to-let, or buy-to-let mortgage is a type of mortgage used for buying a property that you intend to rent out to residential tenants.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Yes, possibly. If you lender allows you to do so, you can consolidate personal debts into your new mortgage deal, reducing the amount you pay in interest over time.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments in your mortgage.
There is no “one size fits all” approach to a mortgage term as everyone’s circumstances are different, the lower your mortgage term the less interest you will pay overall, it’s important to factor in what you are able to spend monthly and complete a thorough income and expenditure review to determine the right term to suits your budget.
There are a number of mortgage’s available ranging from fixed rates to discounted rates and offset mortgages and many more, similar to the term of your mortgage there is no one size fits all approach, everyone has unique needs and circumstances. We will discuss the different options at length and ensure we obtain the right mortgage product for your needs.
This depends, but typically you’re looking at around 2-6 weeks for a mortgage offer to be issued, this does heavily depend on the lender and their current service levels, part of what we do is manage this process, so you don’t need to contact the lender for updates, we work closely with the lender to obtain the mortgage offer and update you throughout the process.
LWM Mortgages is a trading style of Just Mortgages Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference number 404016.
Registered Address: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England & Wales.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.
Approved by The Openwork Partnership on 15th of February 2023.
