Michael Thomas Just Mortgages

31/10/2026

Happy Halloween from all of us at Just Mortgages! 🎃👻

Wishing you a spooktacular evening filled with treats! 🍬

29/10/2026

A headline mortgage rate may catch your attention, but there is more to consider before choosing a deal.

Arrangement fees, cashback and fee-free options can affect the overall cost, while deal length and early repayment charges may influence how well it fits your plans. 🧾📅

Taking a closer look at these details could help you choose a mortgage that better matches your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

29/10/2026

The Budget often comes with lots of headlines, opinions and speculation.

We've pulled together some of the key announcements from today's Autumn Budget to help you stay informed.

If you're unsure how any of these changes could affect your plans, we're here to help.



Approved by The Openwork Partnership on 28.10.2026
Just Mortgages is a trading name of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Could the Budget bring breathing space for families and fresh hope for first-time buyers?

John Phillips shares his reaction to the announcements and explains why mortgage advice matters when planning your next step.

Read John’s blog: https://tinyurl.com/yktt33wz

27/10/2026

The lowest mortgage rate does not always mean the lowest overall cost.

Fees, incentives, deal length and early repayment charges can all affect how mortgage options compare. 🔍🧾

Looking at the mortgage as a whole could help you make a more informed decision and find an option that suits your needs.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

26/10/2026

What could the upcoming Budget mean for your finances?

John Phillips, CEO of Just Mortgages, shares what he hopes, and expects to see, from support for household budgets to greater financial confidence for mortgage borrowers.

Read John’s pre-Budget blog: https://tinyurl.com/5x59h9tm

23/10/2026

When your current mortgage deal ends, you could move onto your lender’s follow-on rate.

This may change the amount you pay each month, so it helps to understand what happens next before your deal expires. 🏡📋

Reviewing your mortgage early gives you time to compare what your existing lender offers with other available deals and explore what could suit your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

21/10/2026

You may be able to review your mortgage options several months before your current deal ends.

Starting early gives you more time to compare deals, prepare your documents and check whether any early repayment charges apply. 🏡📅

Understanding your options in advance could help you plan your next steps around your circumstances and future plans.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

15/10/2026

Your credit score is only one part of your mortgage application.

Lenders may also consider your income, deposit, existing debts, regular spending and overall affordability when assessing your circumstances. 🏡📊

Looking beyond the headline number could help you understand your position. A mortgage adviser can explain how these factors may affect your options.

Read our blog to find out more about credit checks and preparing for a mortgage: https://tinyurl.com/mr33bzc6



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

13/10/2026

A lower credit score does not automatically mean a mortgage is out of reach.

If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡

Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.

Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/mr33bzc6



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

03/09/2026

Michael was supportive thorughout the process. He explained all the stages of the process diligently. He was readily available and he was responsive by text, email or zoom depending on your preferred method of communication. I'm grateful for having been guided by him and his team during a stressful period.
Thank you Michael
Precious sept 2026

20/08/2026

Michael has been nothing short of fantastic when it came to helping me arrange my mortgage. He made the process very smooth and easy and would always check in on me to make sure I was happy and understood everything. Would highly recommend his services ☺️ thank you
Pauline 20 aug

18/08/2026

Are you ready to Step on the property Ladder?
You may be thinking: I am ready to make the step but do I earn enough to get a mortgage?
Do you earn an income by being employed or self-employed?
Do you earn overtime, commission or a bonus?
Do you receive company benefits such as car allowance or London weighting?
Do you receive extra benefits such as child benefit?
Do you want to know if you can make the step?
Contact me for a no obligation chat.

31/07/2026

Thinking about making plans for the future such as buying a property. Maybe you have a mortgage already. Whether you are employed or self-employed when you are ill or have an accident and your income stops your plans and dreams can soon become a burden. Protecting your income helps protect you and your family . Why not talk to me today on 07533725211 or email [email protected]

30/07/2026

28/07/2026

Entering the world of buy to let was made so less stressful by Michael. We did the whole process remotely and felt completely at ease via the numerous communications, online video, email ,text or phone. We received prompt responses to the many questions we asked, and Michael’s patience was exceptional. At no time did we feel any pressure to commit to a decision, and he supported right through the property purchase process. We have no hesitation in using Michael again and would most definitely recommend him to others.
Sarah 29/07/2026

12/07/2026

03/06/2026

Buying your first property can be daunting and may seem impossible but help is available. There are multiple schemes available to help First Time buyers get on the property ladder. This can include:
100% loan-to-value mortgage deals
Deals that require low deposits
Shared Ownership Scheme
Forces Help to Buy
Joint Ownership Sole proprietor that allows support from family members
If you are thinking about taking that first step why not have a chat with me!

05/05/2026

The Bank Of England Rate remains unchanged but Lenders are still very active. Over the last few weeks Lenders have been reducing rates so if you have a Fixed rate ending this year, looking to move this year or a First Time Buyer why not review your options now and avoid the unexpected.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 05/05/2026