New Mortgages with Joy small banner


  • We found you by chance, but so glad we did. Thank you for all your help and advice - you went above and beyond.

    17th March 2016

  • "Without the help, support and reassuring words I don't feel that I would be where I am today! Both my daughter and I love our new home! Thank - you"

    18th November 2015

  • Thank you for the confident, expert way in which everything was handled and importantly to us; in a way we could understand.

    27th October 2015

  • "We have always used Joy and will continue to do so. We have full trust that she helps us every way she can and explains everything clearly."

    18th October 2015

  • "Dear Joy, Thank you so much for all you have done us these past 3 months. It would not have been possible without you!"

    19th January 2015

  • Joy made everything stress free by keeping everything simple & explaining clearly what I needed to know.

    3rd April 2014

  • We were given sound advice regarding all aspects relating to our mortgage needs. Most helpful, with good one to one’s & explanation’s with a first class service. A pleasure to meet Joy.

    18th February 2014

  • Your service cannot be improved it was first class.

    18th September 2013

  • Without Joy it would not be possible for us to have this mortgage due to our situation. Thank you so much Joy.

    31st August 2013

  • Getting a self-build mortgage for a barn conversion in today's climate was almost mission impossible, but Joy managed to pull it off by using her experience, determination & contacts.

    30th June 2013

  • Joy has been a godsend to me & my girlfriend in finding a mortgage for our first home. Thank you.

    11th May 2013

  • Joy Bowden, for me, is simply the best there is. Tell Joy what you're looking for, tell her when you need it and (even) why it might be a problem, then just sit back and wait. Joy is highly professional, diligent, and very knowledgeable in her sector; I trust her implicitly and wouldn't hesitate recommending her to anyone looking for a mortgage. I am extremely grateful to her for her advice, guidance, and most recently, the mortgage I very nearly didn't get.

    22nd July 2012

  • "I have hired Joy for numerous moves and most recently Joy was fantastic at getting my family and I what seemed the impossible - getting us BACK on the property ladder, after we made a mistake and jumped off it! (of which she was unaware we had done!) Joy is determined and extremely knowledgeable of what she does I would recommend Joy to anyone and indeed have. Because of her my family and I can now breathe a sigh of relief and can settle down once and for all. So I guess that makes her more than a mortgage advisor because she has quite literally changed our lives... for the better! We cannot thank you enough Joy.

    26th April 2012

  • I have always found Joy to be friendly, approachable and extremely efficient. From what I have seen and heard she is always prepared to go that extra mile for her clients which in this market is an important quality to have. I would certainly recommend her.

    13th February 2012

Quick contact

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.