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Contact our specialist mortgage team today to find out how we can help you secure the best mortgage possible for your situation.

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Your Trusted Team Of Contractor Mortgage Brokers

Mark Jones

Mark Jones is a professional mortgage adviser with over ten years of experience helping construction industry scheme workers get the mortgage they deserve.​

Richard Young

Richard Young is an expert in helping older clients achieve better lifestyle options with the use of a lifetime mortgage and later life lending options.

Frequently Asked Questions about Jones & Young

We’ve done our best to try and answer some of the most frequently asked questions about specialist mortgage lenders below:
What Is The Application Process?
The application process begins with preparation. Our mortgage advisors will have an initial consultation with you so that you can gather the relevant documents and understand how lenders will view your mortgage application. We often recommend that customers check their credit report at this time, as this is one of the first things lenders will look at. Next, we’ll inform you of how much you can borrow, your repayments, and any additional costs. From here, we’ll then put together an application for you, and once you’ve applied, the lender will underwrite your case and instruct a surveyor to value the property. Once they are satisfied, they will provide you with a mortgage offer, enabling the solicitor or conveyancer to finalise the transaction.
No credit is just as bad as having a poor credit history. Our experts will begin by obtaining a copy of your credit report so that we can compile a list of lenders that will accept you. Whatever your credit score, there are usually lenders that will accept you, but it is important to keep in mind that interest rates will be higher. This is why it is always best to speak to a specialist mortgage broker who understands lenders’ criteria.
Whether you’re applying as a first-time buyer, moving up the property ladder or re-mortgaging, here are some easy tips that will increase your likelihood of getting approved. Begin by checking your credit score, if it is low, this will give you some time to improve it. Lenders place a high focus on unsecured debt, so if you can pay off any outstanding loans, this will increase your credit score and chances of getting approved. We’ll help you understand how much you can borrow and what it will cost; this will help prepare you for the mortgage application process, so you have the best chance of success with a high-street lender.
It can be harder to obtain a mortgage if you are self-employed, as lenders often look at past income, so they may apply stricter criteria to you as a borrower. This is why some lenders restrict the criteria if you are self-employed. They don’t increase rates or fees, so you qualify for the same rates as an employed person.
The lender determines the amount you can borrow. Most lenders base these calculations on your income and expenditure and then use a maximum income multiple. Other factors, such as credit history and employment type, can factor into their calculations. At Jones & Young, we consult with you to find you the amount of money you require at the lowest possible cost.
Various repayment strategies are available, which means we can find a solution that works for you. It’s essential to speak to someone that deals with specialist mortgages who can understand what you need from a new mortgage and find a product that works for you.

Our equity release brokers allows you to access the money tied up in your home. The money you can borrow is based on your age and the value of your home. This can be done through either a home reversion scheme or a lifetime mortgage, depending on your individual circumstances. To find out more on equity realise, view our guide on how equity realise works.

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