The happy home of mortgages

Mortgage Services

Insurance Services

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



Mortgages with Joy Limited are mortgage brokers that offer a comprehensive range of mortgage products from across the market for first charge mortgages only. We do not offer deals 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 40 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 Limited 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.

A mortgage is a loan against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.  

Equity release may require a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.


The Financial Conduct Authority does not regulate commercial mortgages and most forms of buy to let mortgage.

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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 Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime 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. Phone: 01271 324720