Mortgages Made Easy.

Mortgages can seem both daunting and confusing. Our job is to simplify and streamline every step of the way.

Full Status Disclosure

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.

what we do

Helping families & individuals make smart mortgage decisions.

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.

First-time Buyers

Buying your first home may seem daunting, but we're here to help you make smart decisions, whilst keeping the process simple and stress-free for you.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Moving Home

Moving home should be an exciting and positive time for you and your loved ones. We’re here to make sure everything goes smoothly from the get-go.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Remortgages

Remortgaging your property can be a great option for those looking for a better deal.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Buy-to-lets

Get all of the expert help you need when buying a property to rent out.
Your property may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial conduct Authority – only on the buy to let bit

Protection & Insurance

Protections and insurances are a must when it comes to mortgage & property.

We're here to source, explain and guide you every step of the way...

When it comes to mortgages, it’s easy to get lost in the details. Our job is to source your right options using our knowledge of the market, then explain them to you and provide complete guidance based on your wants and needs.

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meet the team

Expert mortgage advice from a team you'll feel at home with...

Your property may be repossessed if you do not keep up repayments on your mortgage.

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Proud to provide a first-class service, every time.

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Schedule a quick chat

To us directly about what it is you’d like some help with, select a date and time on our calender or give us a call directly.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Let us know what you need help with...

Send us a message and we’ll get back to you as soon as we can.

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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.

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.