Mortgages can seem both daunting and confusing. Our job is to simplify and streamline every step of the way.
your property may be repossessed if you do not keep repayments on your mortgage.
LWM Mortgages provides expert mortgage, protection, and insurance advice. LWM Mortgages is a trading name of Just Mortgages Direct Limited and LWM Mortgages is the name under which we carry out these services. LWM Mortgages is not a business in its own right, it is part of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Just Mortgages Direct Limited was set up in 1989 and has been part of The Openwork Partnership since 2016.
The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.
We know how important it is to get your mortgage right, and we know how to get you there in a stress-free, streamlined process.
When it comes to mortgages, it’s easy to get lost in the details. Our job is to source the right options for you, then explain them to you and provide complete guidance based on your wants and needs.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Trustindex verifies that the original source of the review is Google.Emma Balcomb2024-09-06My husband found LWM mortgages through a search online. Luke provided us with multiple Decisions in Principles over a few years until we were ready to buy, when he managed to get us an excellent mortgage deal. He was patient, understanding, eternally helpful and always responded immediately to our many, (often stupid) questions. He guided us through a very complicated and stressful time in our lives, from beginning to end, giving us fantastic advice, helping us find a solicitor, house insurance, life insurance, you name it! He was just incredible. We changed our mind on our first house offer and he was so supportive and understanding even through for him he had to start from scratch with a new mortgage offer from a new bank as the interest rates had all changed, at no extra charge. I can't recommend Luke enough! He was just amazing, and we are so so grateful to have found such a fantastic mortgage advisor who we will continue to use in the future.Trustindex verifies that the original source of the review is Google.Kerry Riney2024-02-23Absolute Pleasure to work with Luke at LWM Mortgages Ltd. Professional, Constructive and Proactive advise from start to finish with an easy going vibe. Couldn't recommend them enough and would always consider them first going forward. Thanks again for everything.Trustindex verifies that the original source of the review is Google.Kelly McMillan2024-02-01Down to earth, crystal clear, amazing, patient, responsive are just a few words we can use to describe the outstanding service Luke has given us. He has personalised the whole process & has answered every question we threw at him no matter how silly it may have seemed. If you’re wondering whether to use him I can honestly say stop thinking & just call, you will not be disappointed. The whole process from initial queries to application & obtaining a mortgage offer has been so easy with Luke. Let’s hope the rest of the purchasing process is as easy ! We will use Luke from now on whenever we need to renew our mortgage along with recommending him to everyone we know. Kelly & ScottTrustindex verifies that the original source of the review is Google.Rebecca Chapman2023-07-05Excellent service- Highly recommended! This was our first time remortgaging our house but Luke helped us through the process and got us a great deal. He was efficient, professional and easy to talk to. He would reply quickly to any email or query and kept us informed throughout the process. I would use LWM Mortgages again without question.Trustindex verifies that the original source of the review is Google.Adam Stephenson2023-05-26Luke has been amazing. I first approached him 2 years ago when trying to buy my first property. Things didnt work out and two years later we got there. Luke was checking in and guiding me throughout the whole period. He is extremly knowlegable, helpful, patient and honest. Could not reccommend him enough!!Trustindex verifies that the original source of the review is Google.Will Lloyd2023-03-31Luke is an experienced, professional and knowledgeable mortgage advisor who was instrumental in my partner and I buying our first home. I wouldn't use any other mortgage advisor, and will definitely be contacting Luke again when we refinance in future. 10/10, would recommend!Trustindex verifies that the original source of the review is Google.Nick Shaw2023-03-23I recently secured a mortgage through LWM after I was given their details from a family member. The whole process was very smooth and straight forward. Luke’s knowledge is extensive, and he would always respond to calls / messages / emails expeditiously and without delay. He always found the time to answer any questions or concerns and ultimately found me the best product available. I would highly recommend him.Trustindex verifies that the original source of the review is Google.nathan james2022-06-09From day one you put a clear plan of what was needed to obtain our mortage which was very reassuring. We then hit a few hurdles on the way but this did not phase you, you advised us on what was required and you bulldozed through these hurdles for us. You was there for us day and night when we needed any advice and we couldn't of got this without you. Thank you Luke you have been tremendous and we will definitely be recommending you to anyone and everyone . A very proffesional job completed. thank you again LukeTrustindex verifies that the original source of the review is Google.Ellie Kirby2022-01-30I used LMW mortgages after I found them on Openwork (which my friend recommended). Carly rang me and explained everything. She was really thorough which I wanted as a first time buyer. I also looked at man move in Manchester who were nice actually but over twice the price. Carly helped me through a first offer (which I was ill and so had to pull out) then my second which was successful! I'm in my new house now and can genuinely recommend Carly and her assistant Charlotte very highly. They are really efficient, thorough and nice to work with too. Thank you Carly.Trustindex verifies that the original source of the review is Google.Tom Bannister-Wright2021-07-20We used LWM for our first mortgage process, and Luke was beyond brilliant. Always explained everything for us, and was very prompt with replies. We knew he'd always be at the end of the phone when we needed him. He's made a very stressful process easy to understand, and has supported us every step of the way to make it less so! We will definitely be using again when it comes to remortgaging/moving house. Thank you Luke!!!
Your property may be repossessed if you do not keep up repayments on your mortgage.
Send us a message and we’ll get back to you as soon as we can.
A remortgage is when you take out a new mortgage on your existing property, in order to obtain a different deal.
If you have poor credit, you may still be able to get a mortgage. It will depend on things like your affordability and expectations of the lender.
The fees you incur when taking out a mortgage will vary but you can typically expect to pay an arrangement fee, a booking fee, a valuation fee, and possibly some other smaller fees, there are lenders with fee free options, all will be discussed at length with your broker.
There is no legal requirement to take out insurance when you get a mortgage, but your lender will want you to have buildings insurance in place.
A buy-to-let, or buy-to-let mortgage is a type of mortgage used for buying a property that you intend to rent out to residential tenants.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Yes, possibly. If you lender allows you to do so, you can consolidate personal debts into your new mortgage deal, reducing the amount you pay in interest over time.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments in your mortgage.
There is no “one size fits all” approach to a mortgage term as everyone’s circumstances are different, the lower your mortgage term the less interest you will pay overall, it’s important to factor in what you are able to spend monthly and complete a thorough income and expenditure review to determine the right term to suits your budget.
There are a number of mortgage’s available ranging from fixed rates to discounted rates and offset mortgages and many more, similar to the term of your mortgage there is no one size fits all approach, everyone has unique needs and circumstances. We will discuss the different options at length and ensure we obtain the right mortgage product for your needs.
This depends, but typically you’re looking at around 2-6 weeks for a mortgage offer to be issued, this does heavily depend on the lender and their current service levels, part of what we do is manage this process, so you don’t need to contact the lender for updates, we work closely with the lender to obtain the mortgage offer and update you throughout the process.
LWM Mortgages is a trading style of Just Mortgages 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. Just Mortgages Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference number 404016.
Registered Address: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England & Wales.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.
Approved by The Openwork Partnership on 15th of February 2023.