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Mortgages with Joy are mortgage brokers with access to a wide range of products available from across the market; other than products that can only be obtained by going direct to the lender. As an appointed representative of TenetLime Ltd which is authorised & regulated by the Financial Conduct Authority, we have the additional advantage of accessing exclusive deals not openly available to high street lenders or other affiliated mortgage companies.

Our mortgage advisor Joy Bowden has 35 years knowledge and experience in the mortgages and financial services sectors and is CEFA, CEMAP and CERER qualified. Joy provides expert impartial advice, helping you to choose the most suitable mortgage or insurance protection product for your needs.  We cut through all the jargon and find a tailored solution to suit you.

Mortgages with Joy pride ourselves on giving our customers the personal touch. We work around your needs, take you through every step of the process and even complete your paperwork for you, to make everything as stress-free as possible - so you don’t have to worry about a thing!

Whatever your needs, if you are looking for a professional mortgage and insurance company, which will go the extra mile for you, contact us today.

For a FREE initial consultation click here.

“Joy made everything stress free by keeping everything simple & explaining clearly what I needed
to know.”  
3rd April 2014


A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. 

A fee is payable when you apply for a mortgage.  The exact amount will depend on your individual circumstances, however typically it will be £299.  We will also be paid commission from the lender.

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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Mortgages With Joy Limited is an appointed representative of TenetLime Services Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime Services Limited is entered on the Financial Services Register ( under reference 311266.

Mortgages With Joy Limited is registered in England and Wales under company number 07664448.

Registered office address: 47 Boutport Street, Barnstaple, Devon, EX31 1SQ.