Bring a little joy into your life with our equity release mortgages


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Equity Release


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


We’re celebrating 10 years of bringing Joy to our customers

This year we are celebrating 10 years of Mortgages with Joy. That means 10 years of happy customers from the ‘Happy home of mortgages’. 

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.


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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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Just a few of our happy customers

“5 Star Service !

Thank you for servicing our needs so efficiently Joy for the last 10 years!

9th July 2020.”


"Joy you were sent from the Heavens !

5th February 2019"