Upland Road, Thornwood, Epping, Essex CM16 6NJ
For all your mortgage and financial needs call us today on 07903 261 734
 
 




From first time buyers to remortgaging, over time we all expect our income to grow and we'd also expect the amount of equity in our properties to grow. As this happens, the mortgage deals available to you will generally improve...

It’s my job to ensure that whatever your circumstances, you get the best mortgage deals available to you at that time.

My passion is based on the advice and service that I provide. I am not a sales person. I provide no obligation advice that is tailored to meet my clients’ needs.

I provide an on-going service. So I want to help my clients to find a mortgage for their first purchase and help them again when their initial rate has come to an end or they have moved to a bigger property.

The mortgage market is very complex. Lending criteria differs greatly from lender to lender. Therefore it is vital I find the lenders and mortgage deals available to you. This allows us to truly maximise your options to meet you needs and circumstances.

And it’s not just finding the best available mortgage that we assist with. If you agree to proceed with the mortgage, we handle the whole application process including documentation and liaising with the lender, estate agent and solicitor.

In addition, I also offer non investment insurance advice. We all insure our homes, our cars, and our phones but it is just as important to insure our lives and incomes, especially if we have a mortgage.

You have to consider:
How would your family cope if something unexpected were to happen to you? How would you pay your mortgage and bills if you could not work through illness?



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A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.


The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.
Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

Phil Johnson is an adviser with Julian Harris Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.