"JLM & Ryan W - perfect service"

I have been in contact with JLM and more specifically Ryan for around 2 years.

Despite the huge length of time and several iterations of an MIP that had to be drawn up and thrown away as situations changed, Ryan was consistently professional, knowledgable, helpful and positive. We have finally crossed the line and I can’t say enough good things about the service I received throughout.

I would wholeheartedly recommend Ryan in particular and JLM generally to anyone I know looking for a mortgage. Your work and patience is greatly appreciated!

"Incompetence to deal with my mortgage case"

I have been dealing with a man called Andrew Steinbach from 17/12/24 to 30/01/25 during which he proved to have no expertise, no plan, and no strategy to deal with my mortgage case.
Having my Nationwide mortgage refused by a surveyor as the house was built from "pre-cast concrete", I called other high street banks, which confirmed they also categorically refuse loans for this type of construction. I took advice from two mortgage advisors, and then I was directed to the third one, Andrew, by the seller.

Ander said he knows the owners "and the house". However, I had a very bad opinion of him from the very beginning, as Steinbach was overconfident, not listening, not taking my preferences under consideration (trying to force me to take a long-term mortgage as if he was deaf I got a high deposit and a high paying job), which led me to the conclusion he has a problem with me as a successful migrant woman. Despite my reluctance towards small lenders, he insisted on making an unfavorable application with Accord Mortgages, the company another advisor from Mojo confirmed as not issuing loans for "pre-cast concrete". Nevertheless, Andrew made it, but it took him from 18/12/24 to 6/01/25!!!: constantly made excuses why he was not available ("off", "Christmas", "family arrived"). We were supposed to have a call, but he kept postponing it from 21st till 30th Dec '24. Wtf was this man doing if making a mortgage application takes 30min!? They applied with Accord only on the 9th Jan 2025.
And guess what? 16/01 Accord REJECTED it. The entire month was wasted, because the normal person would do this application before Christmas, not in the 2nd week of January 0_0.
Steinbach's next ingenious idea was to apply with Santander to which I reminded him I'd already told him that I had called Santander before I met Andrew and they're not lending for "pre-cast concrete". I also showed him news that Santander will depart from the UK market; after that, he kept silent, then proposed I call Lloyds to remove some pennies unpaid charges from my credit record because "it'll boost your credit score immediately" (the score he screwed himself). And guess what? They didn't! Lloyds also confirmed that an overdraft made after the account closure cannot be removed.
As you can see, 100% of what this man told me was wrong. He proved to have not enough knowledge, plan, or strategy to deal with my mortgage. His moves are chaotic, uniformed, and uncoordinated, he can't even stick to the hour he proposed to call. Steinbach wasted two months of our lives: the house is back on the market, sellers lost their dream countryside purchase, and I ended up with a destroyed credit score - all due to his incompetence.

"Massive thanks to Mark S"

From start to finish, an absolute pleasure to deal with.

As a first time buyer, Mark helpfully stepped me through all the various processes and things to know and look out for and made the whole thing a whole lot simpler.

Will be recommending to anybody I know that needs a mortgage!

"I have been using JLM for a few years…"

I have been using JLM for a few years now and wouldn’t go anywhere else. Peter is professional and knowledgeable, and I can always rely on him. I highly recommend this firm, you won’t be disappointed.

"Brilliant communication and support!"

Peter was helpful, support and responsive all through the stressful and confusing experience of purchasing my first home. He responded quickly to my calls and emails and was always friendly and warm when we spoke. Very knowledgeable and on a couple of occasions double checked/triple checked on my queries.

"The ONLY mortgage broker you'll ever need"

Truly amazing service from Seb and Nic who have looked after us for over 20 years and sorted 10+ remortgages for us. They literally take the stress and hassle out of it by walking you through step by step and I've happily recommended to family and friends, who by the way have all in turn raved about the fab care received. Never seen service like this anywhere else - do not hesitate to give them a go.

"Excellent Mortgage Broker who couldn't…"

Excellent Mortgage Broker who couldn't have been more helpful from start to finish. Very high levels of service and communication and I would highly recommend them.

"Thank you to Gareth"

I needed a lot of support and patience as my house purchase took nearly two years. During that time, I was informed about JLM by a friend that had used them and it was my 1st time ever dealing with a company on financial matters through calls and emails instead of face-to-face. I am so pleased I took the advice as I have felt more valued as a customer by JLM than any other business that I have recently interacted with. My application was handled by Gareth and I couldn't have asked for any more from him. He showed an incredible amount of patience during the process and was very reassuring throughout. He gave me all the information to make my decisions and kept me informed throughout so I was never left wondering what stage the application was in. This is the highest possible "5 out of 5 star" endorsement I can give, thank you to the whole team.

"Would 100% recommend JLM & Gareth my…"

Would 100% recommend JLM & Gareth my broker. Great service, found a product to fit my needs and my remortgage completed soon after.

"Many years of excellent guidance "

Ryan Waters at JLM has helped us for 7 years, from buying our first house and multiple remortgages to currently now, moving house.
He has been extremely helpful in his guidance and awareness of finding the best deal for us, always considering our circumstances and what we are looking to achieve at that time. I would highly recommend.