I would recommend Joy to anyone looking to get a mortgage or remortgage. Joy is expert, professional and pragmatic, whilst being kind and compassionate. Her mastery of the world of mortgages leaves no ambiguity or need for concern. Joy will get the job done with excellent, reliable communication and her response times are extraordinary! Thanks, Joy, for such a personal, professional and efficient service 😊

Esther Wooddisse 2023

Joy helped me beyond expectations in securing my first home with my partner. She was attentive, knowledgeable and explained everything perfectly for this first-time buyer! I would absolutely recommend Joy in a heartbeat without hesitation.

Meg Scoins 2022

Mortgages with Joy was recommended to me by another mortgage professional (always a good sign). Clearly well versed with Equity Release mortgages (our requirement), Joy was also very adapt at making everything clear and straightforward for my elderly mother. After walking us through the process, Joy then took it upon herself to seek redress for us following slow transactions from the other party despite it not being to her advantage at all. Couldn't ask for more.

Gavin Marshall 2022

I needed a mortgage as a first-time buyer. Joy couldn’t of done more to help and advise me through the whole process. She got me an amazing deal. Joy is always available to answer questions. I’m so pleased with the service she gave and would have no hesitation in recommending her if you need a mortgage

Stephen Holmes 2022

What Joy doesn’t know about mortgage borrowing isn’t worth knowing. She will always do her best to find you the right deal and is extremely effective and efficient.

Suzanne Hobbs 2022

Excellent service yet again from Joy! Thank you so much!

Michael Dunn 2022

Amazing service. Joy was approachable, efficient and really helped us out. Can't recommend her services and advice enough.

Faye Allison 2022

Having used Mortgages with Joy recently to renew my existing mortgage, I found both her and her service exceptional.
Nothing was too much trouble, no matter how simple a question I asked, she always responded swiftly and expertly.
She has a wealth of knowledge and experience and therefore I felt totally confident that she was providing me with the very best information and product she could, for my situation.
I would 100% recommend her.
Many thanks Joy, I’ll be definitely using you again next time I’m up for renewal!

Carrie Draper 2022

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

We could not praise Joy enough. In the 10 weeks it took to purchase our house, Joy was consistently on hand to offer assistance. I felt very safe & confident taking Joy's advice and would definitely recommend Joy to anyone.

25th August 2019

I dont want to offer any improvements as I feel the service you have given us and the patience you have shown us has been fantastic. All we have to say is thank you Joy, you are a star !

9th February 2019

Joy is an excellent mortgage adviser who will look at every aspect of the budget to analyse your needs! Nothing is too much trouble. Joy will update you as things progress and is always available to answer any queries - on anything! I wouldn't go anywhere else!

6th July 2018

Joy was very understanding with my situation, as it was quite difficult for me to obtain a mortgage. Joy went above & beyond what I expected her to do & she did not stop until she got me a good mortgage offer.

September 2017

Joy replied to our queries quickly & took the time to come & visit us when we were unsure about some financial details.

July 2017

Joy has just pulled the impossible out of the bag for us. An unbelievable deal at a high loan to value. She has been professional to deal with, even dealing with the offer on her holidays. I would not hesitate to recommend her to even the most pedantic of people. Truly was a joy to deal with!

October 2017

A very satisfied customer. I have used mortgages with Joy before & I will do so again.

January 2017

We would recommend joy’s friendly professional & helpful advice to anyone.

January 2016

I am so happy with Joy’s help & advice, I recommended her to my brother who was a first time buyer. He was also very happy with Joy’s service.

September 2016

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

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

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

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

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

January 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 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

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

3rd April 2014

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

11th May 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

Your service cannot be improved it was first class.

18th September 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