Real advisers, not a call centre
You speak to someone who understands your situation, remembers the detail and keeps the advice personal.
Mortgage and protection advice
Clear, friendly mortgage advice, without the jargon.
We help first-time buyers, movers, remortgagers and landlords find the right mortgage and protection, with clear advice from a real human, start to finish.
What we help with
Popular mortgage advice, with more specialist help one click away.
Start with the most common mortgage needs below. Each page explains who it helps, what lenders usually look at and how AJM can guide you through it.
Buying your first homeFirst-time buyer mortgages
A clear route through deposits, affordability, agreements in principle, lender checks and the full mortgage application.
Switching dealsRemortgages
A practical review before your deal ends, comparing your current lender against suitable options across the market.
Rate switchesProduct transfers / rate switches
A simpler route when staying with your current lender may make sense, still checked against wider options first.
Moving homeHome mover mortgages
Support with porting, increasing borrowing, timing your move and keeping the mortgage side calm while the chain moves.
LandlordsBuy-to-let mortgages
Advice for single properties, limited company purchases, portfolio landlords and rental stress-test requirements.
Complex incomeSelf-employed mortgages
Help presenting your income clearly, whether you are a sole trader, contractor, director or limited company owner.
More mortgage support
Specialist, scheme-based and further borrowing advice
We also support more specific situations. These links help visitors and search engines reach the right advice page without making the homepage too long.
Why choose AJM
Why choose AJM?
With over 20 years of experience, AJM gives clear, personal mortgage and protection advice across the UK. You deal with a real adviser who understands your situation, compares the market, explains your options clearly and stays with you from first conversation through to completion.
Whole-of-market comparison
We compare suitable options across the market and explain why a recommendation fits your needs.
Over 20 years of knowledge
That experience helps us spot issues early, deal with complex cases and keep the process moving.
Updates without the chasing
We keep the application moving, deal with lender questions and keep you updated so you are not left wondering what happens next.
Two halves of the same advice
Mortgage and protection, under one roof.
Most people need a little of both. Handling them together means nothing falls through the gaps.
Mortgage advice
Finding the right deal and the right lender
Your mortgage is probably the biggest commitment you'll make. We compare across the whole market to find a deal that genuinely fits your life, not just today's headline rate.
- Whole-of-market comparison
- First-time buyer, mover and remortgage
- Buy-to-let and self-employed
- Application support
Protection advice
Quietly protecting the home you've worked for
A mortgage is a long commitment: protection makes sure life's surprises don't put your home at risk. We'll talk through sensible, affordable cover with no pressure to over-insure.
- Life cover and critical illness
- Income protection
- Family and buildings cover
- Reviewed as your life changes
Get in touch
Tell us where you're up to.
There's no obligation and no script, just a friendly conversation about what you need.
Prefer to talk?
Book a free initial chat
Pick a time that suits: evenings and Saturdays available. 15 minutes, no pressure.
Whole-of-market: we compare every UK lender Most clients pay no advice fee We reply within one working day
Google reviews
Trusted by local families.
Customers on Google regularly mention clear advice, patient support and plain-English explanations.
20+years helping local buyers sampleOur story
A small, personal team. Proud of it.
AJM Mortgage & Financial Services Ltd is an independent advice business built on a simple idea: mortgages are stressful enough without feeling rushed or talked down to. We take the time to understand your situation, talk through the options clearly, and stay with you until the keys are in your hand.
Because we're small, you'll always speak to someone who knows your name and your story, not a call centre. Placeholder copy: AJM's own story and the advisers' names will go here.
FCA regulatedWhole of marketCeMAP qualified
Common questions
The things people usually ask.
Can't see your question? Send us an enquiry. We're happy to help, no obligation.
Do you charge a fee for advice?
In most cases there's no fee for our mortgage advice; we're usually paid by the lender. If a fee ever applies to your situation, we'll explain it and agree it with you in writing before any advice is given. Placeholder wording to be confirmed.
Are you tied to one lender?
No. We're whole-of-market for residential and buy-to-let mortgages, which means we compare deals across a wide range of UK lenders to find one that genuinely fits you.
I'm self-employed. Can you still help?
Absolutely. Whether you have one year of accounts or twenty, we know the lenders who understand how self-employed and contractor income really works, and how to present your case.
How long does the whole thing take?
Every case is different, but we'll give you a realistic timeline at our first chat and keep you updated at each stage, so you're never left wondering what's happening.
What's the first step?
A free, no-obligation 15-minute chat. You can book a call or send an enquiry, and we'll take it from there. There's no pressure to go ahead with anything.
Can we meet in person?
Yes: phone, video or face-to-face, whatever suits you best. We're happy to work around evenings and the occasional Saturday.
Ready when you are
Ready to talk through your mortgage options?
No script, no pressure, no fee for the first chat. Just clear, friendly advice from a real human.
Or call us on 0161 000 0000