A one-stop shop for your mortgage and protection needs.
Since JML was established in 2001, we have been committed to providing exceptional customer service. Our personable advisers strive to make the mortgage and insurance process as smooth as possible for our valued clients.
With a small team of trusted experts, our customers appreciate the ‘family touch’ that JML provides. We will take the time to get to know you and, along the way, you will get to know us, too.
JML’s commitment to helping clients achieve their homeownership dreams is at the heart of what we do. Our friendly experts take great pride in diligently researching and negotiating favourable terms for our clients. We believe that prompt, professional, and transparent updates are crucial to making the mortgage process stress-free.
JML understands that everyone’s circumstances are different. Whatever your situation, we are here to help. As an independent firm, we have access to the whole of the mortgage market, including exclusive deals.
We offer a fully advised service, patiently educating you in all areas of financial planning. JML’s experienced team is well connected within the industry, so can introduce you to professional partners such as solicitors and wealth managers.
Having started her career in 1989, Michelle Ford is a seasoned professional in financial services. She holds the Diploma in Financial Planning, the Certificate in Advanced Mortgage Advice, and the Certificate in Equity Release. As a non-selling partner at JML, Michelle plays a crucial role in supporting the business and contributing to its continued growth and success.
Michelle’s career spans a variety of roles, including estate agency mortgage broking, financial advice at high street banks, and independent wealth management. This extensive experience allows her to provide valuable insights and guidance across a wide range of client needs, from first-time buyers to high-net-worth individuals and those considering equity release solutions.
With her decades of expertise, Michelle is dedicated to upholding the firm’s high standards of service and professionalism. Her unwavering commitment to excellence has been instrumental in establishing JML as a trusted provider of mortgage and protection advice.
In her leisure time, Michelle enjoys staying active with Pilates, walking her dog, and attending the theatre and concerts. She also has a passion for exploring restaurants and discovering new culinary experiences.
Kate rejoined JML in 2015 and brings a wealth of experience to her dual role as Practice Manager and Mortgage and Protection Adviser. She holds the Certificate in Mortgage Advice and Practice, enabling her to provide expert advice on Mortgages, Life Protection, and General Insurance.
With a strong focus on client care and operational excellence, Kate ensures the smooth running of the practice while helping clients navigate their financial options with confidence and clarity.
In her spare time, Kate enjoys staying active through running and gym sessions, tending to her garden, immersing herself in a good book, and exploring her eclectic taste in music.
Daniel has been a trusted professional in Financial Services since 2004. He holds the Certificate in Mortgage Advice and Practice as well as the Certificate in Equity Release, enabling him to offer expert guidance across a range of services, including Mortgages, Equity Release Mortgages, Life Protection, and General Insurance.
As a top-rated adviser on VouchedFor, Daniel is highly regarded for his client-focused approach and dedication to delivering tailored financial solutions. Whether assisting first-time buyers, those seeking remortgage options, or clients exploring equity release, Daniel provides personalised advice to meet each client’s unique needs.
Outside of work, Daniel is a passionate Arsenal supporter and enjoys attending matches as a season ticket holder.
Tink, our beloved Golden Retriever, is the heart and soul of the JML office. She’s always ready for a walk but spends much of her day perfecting her napping skills. Tink’s friendly presence brings smiles to the team and adds a little extra comfort to the workplace.
For our latest news and views, sign up for our emails. We will never share or sell your information.
JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. 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 https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2025 JML (Financial) Associates Ltd. Privacy Policy | Cookie Policy
Website by Content Streams.
JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. 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 https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
© Copyright 2024 JML (Financial) Associates Ltd. Privacy Policy | Cookie Policy Website by TOMD.