John Pascoe Financial Services
Home2024-10-24T08:41:51+00:00

Independent Mortgage Advisor

A friendly, professional and stress free service for arranging your mortgage.

Welcome to John Pascoe Financial Services Limited

My goal is to find a personalised mortgage solution that perfectly suits your needs, so you can focus on what really matters – securing your future. As an independent mortgage broker, I’m not tied to any bank or building society. That means I can search the whole market for the best deal for you.

Get in touch today for a free, initial, no-obligation discussion to help you on your way to a tailor made solution that fits your situation.

My goal is to find a personalised mortgage solution that perfectly suits your needs, so you can focus on what really matters – securing your future. As an independent mortgage broker, I’m not tied to any bank or building society. That means I can search the whole market for the best deal for you.

Get in touch today for a free, initial, no-obligation discussion to help you on your way to a tailor made solution that fits your situation.

Welcome to John Pascoe Financial Services Limited

Mortgages

Finding the right mortgage can be a real headache. With so many options out there, how do you know which one is best for you? And what about all those terms and conditions that seem impossible to understand? It’s no wonder people often feel overwhelmed by the process. But that’s where I come in.

I know the challenges you face—whether it’s navigating complicated rates, dealing with lenders, or simply trying to figure out where to start. My goal is to make things simple, clear, and stress-free. I’ll break down your options in a way that makes sense, guiding you through every step so you can feel confident in your decisions. With access to a wide range of lenders, I’ll help you find a mortgage that fits your unique situation. Together, we’ll make this process easier than you ever thought it could be.

Life can be unpredictable, and while we can’t foresee every twist and turn, we can make sure you’re prepared for whatever comes your way. Protecting your home and your family’s financial future is just as important as securing the right mortgage. But with so many different policies and providers, it can be tough to know what protection you really need.

That’s where I can help. Whether you’re looking for life insurance, critical illness cover, or income protection, I’ll work with you to find the right solution that fits your personal situation. I’ll break down the jargon and explain exactly what each type of cover does, so you can make informed decisions with confidence. My goal is to give you peace of mind, knowing that no matter what happens, you and your loved ones are financially protected. Let’s ensure you have the right safeguards in place to protect the things that matter most.

Protection

Mortgages

Finding the right mortgage can be a real headache. With so many options out there, how do you know which one is best for you? And what about all those terms and conditions that seem impossible to understand? It’s no wonder people often feel overwhelmed by the process. But that’s where I come in.

I know the challenges you face—whether it’s navigating complicated rates, dealing with lenders, or simply trying to figure out where to start. My goal is to make things simple, clear, and stress-free. I’ll break down your options in a way that makes sense, guiding you through every step so you can feel confident in your decisions. With access to a wide range of lenders, I’ll help you find a mortgage that fits your unique situation. Together, we’ll make this process easier than you ever thought it could be.

Life can be unpredictable, and while we can’t foresee every twist and turn, we can make sure you’re prepared for whatever comes your way. Protecting your home and your family’s financial future is just as important as securing the right mortgage. But with so many different policies and providers, it can be tough to know what protection you really need.

That’s where I can help. Whether you’re looking for life insurance, critical illness cover, or income protection, I’ll work with you to find the right solution that fits your personal situation. I’ll break down the jargon and explain exactly what each type of cover does, so you can make informed decisions with confidence. My goal is to give you peace of mind, knowing that no matter what happens, you and your loved ones are financially protected. Let’s ensure you have the right safeguards in place to protect the things that matter most.

Protection

FAQs

Want a quick question answered? Browse some of the most commonly asked questions I receive.

When’s the right time to remortgage?2024-10-22T12:12:02+00:00

If your discounted term is ending, it’s best to begin the remortgaging process about six months in advance. You can remortgage anytime, but keep in mind that doing so early might come with an early repayment fee.

What is remortgaging?2024-10-22T12:09:18+00:00

Remortgaging means switching your current mortgage to a new deal, either with your existing lender or a different one.

What if I’ve changed jobs since I last took out a mortgage?2024-10-22T12:20:04+00:00

If you’ve switched roles or increased your salary in full-time employment, you’ll need to provide your new employer’s details when applying for a mortgage.

On the other hand, if you’ve moved to part-time work or your income has decreased, it may affect the amount you can borrow. Different rules also apply for those who are self-employed or on maternity leave when remortgaging.

It’s important to discuss any changes in your circumstances.

What costs should I consider when remortgaging?2024-10-22T12:17:34+00:00

Depending on your situation, there are several costs to keep in mind when remortgaging:

  • Early repayment fee (if you remortgage before your term ends)
  • Possible product fee from the new lender
  • Conveyancing and valuation fees
  • Potential mortgage adviser fee
What are my options if I have bad credit?2024-10-22T12:00:33+00:00

If you have bad credit, don’t worry – you still have options. There are specialist lenders that cater to individuals with poor credit histories, and they may offer mortgage deals suited to your situation. While these deals may have higher interest rates, they can help you get onto the property ladder or remortgage. I can help you find the best available options and give you advice on improving your credit for the future.

Should I remortgage?2024-10-22T12:09:28+00:00

There are plenty of reasons why it might be the right time to remortgage, such as:

  • Your current fixed-rate deal is coming to an end
  • You’re reviewing your finances and think remortgaging could save you money
  • You’re on a standard variable rate and want to lock in a fixed rate
  • You’re looking to release equity from your home to fund improvements
How much deposit do I need?2024-10-22T12:00:45+00:00

The amount of deposit you need depends on the type of mortgage you’re applying for and your lender’s criteria. Typically, most lenders will ask for at least 5% of the property’s value as a deposit, although having a larger deposit (e.g., 10% or more) could give you access to better rates. I’ll help you understand what’s realistic for your situation and guide you on how much you should aim to save for your deposit.

How long does remortgaging take?2024-10-22T12:21:53+00:00

On average, the remortgaging process takes around four to eight weeks. However, because everyone’s financial situation is unique, the timeframe can vary, so this estimate isn’t guaranteed.

Do I need legal work when remortgaging?2024-10-22T12:22:52+00:00

This depends on whether you stay with your current lender or switch to a new one. Remortgaging with your existing lender, known as a product transfer, doesn’t require any extra legal work.

If you switch to a new lender, you’ll need a conveyancer. Some mortgage products include legal fees as part of the deal, so check with me, your adviser to see if this applies to you.

Can I get a mortgage while on maternity leave?2024-10-22T12:00:40+00:00

Yes, you can still apply for a mortgage while on maternity leave, but it’s important to consider how your income is assessed. Lenders will look at your maternity pay and may also take your return-to-work salary into account, though this can vary between lenders. I’ll help you find a lender that considers your full financial picture and ensure you’re on the right path to securing your mortgage while on leave.

Can I get a mortgage if I’ve just started working?2024-10-22T12:00:36+00:00

If you’ve recently started a new job, securing a mortgage is still possible. Lenders typically like to see a stable employment history, but many are willing to consider your current circumstances. The key factors are how long you’ve been in the role and whether you’re in a permanent or temporary position. I’ll help you find lenders that are open to considering applicants in new jobs and make sure you’re presented in the best light.

Can I get a mortgage after a separation or divorce?2024-10-22T12:00:14+00:00

Yes, it’s possible to get a mortgage after a separation or divorce, but the process may feel more complex. Lenders will want to understand your new financial situation, including your income and any ongoing commitments like child support or maintenance payments. I can guide you through the process, helping you find the right mortgage that suits your new circumstances, so you can move forward with confidence.

When searching for an independent financial advisor near me, I never thought I’d find someone who could make the process so easy and stress-free. His tailored advice and dedication to finding the best solution truly exceeded my expectations.

George, Reading.

Hear from people like you…

Hear from people like you…

Communication is key to making sure your journey is as enjoyable and as stress-free as possible.

Thanks to our wonderful Mr P – we were really lost in the fine print. Saved us money and and made it simple. We loved the way you’d check in with us – made us feel looked after – sorry to gush -S.

Sara & Urs, Twickenham.

Really outstanding service, John went above and beyond what we asked and came up with an amazing deal that we couldn’t find elsewhere…

Sonya, High Wycombe.

I was unsure about using a broker but JP got it done. Down to earth. Will highly recommend to all my friends…

James, Reading.

Contact
Contact
Legal

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.
Some types of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate Tax Planning, Estate Planning, Employee Benefits or Will Writing.

COMPLAINTS
If you wish to register a complaint, please write to:complaints@downingfm.co.uk or call 01959 547 077.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567

IMPORTANT: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE.
John Pascoe Financial Services Limited is an Appointed Representative of Trevor Downing Financial Management (IFA) Limited, which is authorised and regulated by the Financial Conduct Authority.
John Pascoe Financial Services Limited is entered on the Financial Services Register https://register.fca.org.uk/ under reference 15087422. Registered address 4 Eastview, Terrace Road South, Binfield, Berkshire, RG42 4DL.
Trevor Downing Financial Management (IFA) Limited is entered on the financial services register https://register.fca.org.uk/ under Firm Reference: 118176.
Trevor Downing Financial Management (IFA) Limited is Registered in England at Companies House: 01829773.

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