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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 (www.fca.org.uk/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

Existing Customers

Mortgage Reviews

When your mortgage product comes to an end, Mortgages with Joy will contact you to discuss your financial needs going forward.

 

As an experienced property owner, you will be fully aware of the differences in interest rates & how that can have a big impact on your repayments. You will therefore want to secure the very best mortgage rates possible, ensuring you get impartial mortgage advice when looking for that next deal.

Limited Options

New regulations mean that many borrowers who took out a mortgage five years ago could find they don’t have the same borrowing power under current rules, or perhaps they’ve seen their property’s value dip to an extent that they’re now in a lower equity position than they previously were.

 

Maybe you’ve changed jobs or had a problem with your credit history. Mortgages With joy will look at all your options and come up with the best solution for your circumstances.

Product Transfers

Some borrowers prefer to take the path of least resistance when it comes to getting a new deal at the end of their current fixed or tracker product. Many will understandably be tempted by a mortgage process that takes little time or effort, especially if the product transfer rate is cheaper than a move onto their lenders reversionary rate.

Ripe for a re-mortgage?

If you have plenty of equity, and no change in your circumstances, you’ll have a great choice of deals and will hopefully be able to make savings by switching to a new lender.

Assuming you are in no rush, are happy for us to do all the paperwork for you, and you are confident about your property’s value, a re mortgage could get you the cheapest deal available.
You’ll need to go through new affordability checks and a valuation of course, but if it all stacks up, you may be on your way to a better deal.

Of course, a re mortgage will take a little longer and a bit more legwork than a product transfer, so it may not be for those clients who specify they do not want the hassle of a re mortgage.

 

Whether a re mortgage is best for you, or a Product transfer, Mortgages With Joy will be able to guide you to the best deals that suit your circumstances, completing  all the necessary paperwork for you, and ensuring that the fees charged by your lender are appropriate to the size of the mortgage.

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.  Typically we charge £299 for residential mortgages, but for more complex cases like adverse we charge £499.  We will also be paid commission from the lender.

Equity release products are either lifetime mortgages or home reversion plans.  We offer a comprehensive range of equity release products from across the market but not deal's that you can only obtain by going direct to a lender.

 

How much will you have to pay for our equity release services? Typically we charge a fee of £699 when you apply for an Equity Release Mortgage.  

 

We will also be paid a commission from the company that lends you money or buys your home.

 

You will receive a personalised illustration when considering a particular equity release product.   This will highlight the key facts about the lifetime mortgage or home reversion plan including any fees relating to it.

 

The FCA does not regulate commercial mortgages and some forms of buy to let mortgage.