We are a whole of market broker providing professional advice on all types of mortgage and protection insurance products. Jo Jingree, our specialist mortgage adviser, is a highly experienced adviser with 20 years of mortgage experience and provides tailored, personalised advice.
At Mortgage confidence we pride ourselves in putting you at the heart of everything we do. We offer a highly personalised service as we know that everyone has a different set of needs and circumstances and there is no such thing as one size fits all.
At Mortgage Confidence we are all about supporting you every step of the way, whether you are buying your first home, moving up the property ladder, remortgaging, a property landlord looking for the right mortgage product, we are here to help you.
We are mortgage experts and our focus is on getting the right mortgage deal for you, to help you to fulfil your individual dreams, without any of the stress.
Introduce friends to Mortgage Confidence and you could earn up to £50 in John Lewis vouchers every time!
Whenever a friend you introduce to Mortgage Confidence takes out a mortgage through us, we’ll reward you with a £50 John Lewis voucher.*
*Terms & Conditions apply
SIX SIMPLE STEPS
Speak to an experienced mortgage adviser
Your first step is to have a conversation with a trusted and experienced mortgage adviser. Here at Mortgage...
Your first step is to have a conversation with a trusted and experienced mortgage adviser. Here at Mortgage Confidence our mortgage adviser, Jo Jingree, has 20 years experience in the mortgage industry and will have a friendly and informal chat with you. This is usually done over the phone and we discuss your house buying / remortgage plans and basic details about your financial position. This call will usually be about 20 minutes and in this time, if required, Jo will give you an indication of how much you might be able to borrow, what mortgage deals are currently available and the costs involved.
Complete our Fact Find Questionnaire
The next step is to complete Mortgage Confidence Fact Find Questionnaire, which can be done via our secure...
The next step is to complete Mortgage Confidence Fact Find Questionnaire, which can be done via our secure online portal. The Fact Find provides us with detailed information about you, including your income and expenditure which forms the basis of your mortgage application and allows us to give you the best advice. We send you a link, via email, to our secure portal and a separate text (SMS) to your mobile with a secure access code. The Fact Find takes around 30 minutes to 1 hour to complete. It also has the facility for you to securely upload any documents we require for your mortgage application.
Face to face meeting or telephone consultation
The next stage is to meet Jo Jingree, your mortgage adviser, in person. We can meet you at your home,...
The next stage is to meet Jo Jingree, your mortgage adviser, in person. We can meet you at your home, our office or a local café if you prefer. If you live some distance away or prefer not to meet in person due to time constraints, we can offer you a consultation either via video link or phone call. During the meeting we will discuss your needs and preferences and provide you with tailored mortgage advise regarding the different options available to you. Your adviser will then research the whole UK mortgage market and provide you with a personal recommendation for the best mortgage deal which suits your needs and requirements.
Sit back, relax and let us do the work
Your adviser will usually advise you at this stage that the next step is to apply for a decision in principle...
Your adviser will usually advise you at this stage that the next step is to apply for a decision in principle from the lender, which we will organise on your behalf. If this is successful, and you have already found a property to buy (in the case of a purchase) we then prepare and submit your application to the lender. At this point, our advice fee is payable. Our standard fee is £399. Please note, we do not charge you a fee until this stage of the process and all our advice until this point (steps 1-3) is given without obligation. Mortgage Confidence will then work closely with the lender to ensure your mortgage is approved. This includes dealing with any underwriting queries that arise. The lender will assess your application and carry out a survey on your property.
Receive your mortgage offer
When the lender is satisfied with everything they will issue a formal mortgage offer. We will notify...
When the lender is satisfied with everything they will issue a formal mortgage offer. We will notify you as soon as this is issued. We will track and manage your case, liaising with you and where necessary your solicitor until completion.
If you are remortgaging, on the day of completion, your mortgage is transferred from your existing lender...
If you are remortgaging, on the day of completion, your mortgage is transferred from your existing lender to your new lender. If you are purchasing a property on the day of completion you can collect the keys to your new home and start settling in! However, it is not goodbye from us. Mortgage Confidence will stay in touch with you in the future (with your permission of course) to support you when your mortgage deal comes to an end or when you want to buy your next home.
WHAT OUR CLIENTS SAY
Jo originally helped us secure the first mortgage when buying our property. When our initial 2-year fixed...Martina, Kent
We originally used Jo's service 2 years ago when we were first time buyers. All was explained in detail...Mario, Enfield
Jo helped us secure our mortgage and arrange our home and protection insurance. We were very happy with...Helen, Redhill
Thanks so much Jo for your friendly advice from the offset. We felt in safe hands and 100% comfortable...Rebecca, South London
We really would have struggled to negotiate our mortgage options without Jo's input and as first time...Anna, South London
Jo was fantastic, very knowledgeable and accommodating. She also simplified all the options for us to...Dhilan, West London
Jo is helpful, trustworthy and you feel completely looked after knowing you are getting the best deal,...Jade, South London
Highly recommend Jo's services. My partner and I are both media professionals, he, self employed and...LJ, London
"Jo was there for us every step of the way from the initial fact finding, to choosing the right mortgage...Kitty, SE London
"Jo came recommended to us and she held our hands and guided us through every step of the process. Her...Mark, London
"I approached Jo to help us with mortgage advice. Jo was great from the outset - really knowledgeable,...Gillian, London
"Jo was very helpful right from the beginning. She was professional and informative in our meeting and...Suzette, Kent
"Jo was brilliant, she had knowledge of all lenders processes and was able to recommend a lender who...Sally, Sussex
"After the banks I hold accounts with gave me confusing and contradicting information, I decided to take...Navin, Kent
"We were applying for a mortgage and needed advice throughout the whole process. We are first time buyers...Emma, Kent