About Us
Our History
Helping source mortgages since 2001
JML (Financial) Associates Ltd is an established Independent Mortgage and General Insurance Advisers firm based in Cobham, Surrey. The practice was set up in 2001 and is owned by Michelle Ford, a non-selling Director of the Company, and Daniel Ford who is an experienced and qualified adviser with years of industry experience.
We are experienced
We pride ourselves on our professionalism and attention to detail, providing well researched, unbiased, independent mortgage and protection advice, specifically tailored towards each client’s individual requirements. We not only advise you on the most suitable product, but also find you the most competitive provider. We offer a very professional, friendly service, with the highest of service standards. All our advisers and staff are highly trained and experienced and specialise in all types of mortgages, equity release, life assurance and income protection for both individual and business clients.
OUR SERVICES FOR YOU
Independence
We are independent and have access to the whole of the market place including exclusive deals
Thousands of products
We are able to search thousands of mortgage deals to find the most suitable for your individual needs.
Efficient
We will carry out affordability checks with all lenders, enabling us to recommend the right mortgage, first time
Flexible
We are fully aware that everyone has a busy life, so we can arrange telephone calls or face to face meetings to suit your availability.
Advice
We offer a fully advised service, educating you in all areas of financial planning.
Protection
We can give you advice on protecting your mortgage in the event of death, critical illness and income protection, sourcing the whole of the market for independent quotations.
Connected
We can help with introducing you to professional partners, including solicitors and surveyors
Investment advice
We can introduce you to wealth managers who will help with advice on pensions, investments and Inheritance Tax Planning
Here for you
Our dedicated sales support team liaise with all relevant parties, taking the stress away from you
Ongoing assistance
We offer an ongoing service, contacting you up to six months prior to your preferential rate ending, meaning you will not just automatically go to the lenders ‘go to’ rate. (You will have to opt in to this service under new GDPR rules)
Who We Are
Michelle Ford Managing Director
Michelle has passed the Diploma in Financial Planning, Certificate in Advance Mortgage Advice and Certificate in Equity Release. She has been in the industry since 1989 and is a non selling partner in the business.
Daniel Ford MD & Independent Mortgage and General Insurance Adviser
Daniel has passed The Certificate in Mortgage Advice and Practice and Certificate in Equity Release. He has been in the industry since 2004 and can advise on Mortgages, Equity Release mortgages, Life protection and General Insurance.
Kate Keeling Practice Manager & Independent Mortgage and General Insurance Adviser
Kate returned to work at JML in 2015. She has passed the Certificate in Mortgage Advice and Practice. She can advise on Mortgages, Life protection and General Insurance.
Our fees
We do not charge for our consultation. No fees are payable until application.
For residential and Buy to Let mortagages
For residential mortgage advice you can choose how we are paid: pay a fee which is usually 0.5% of the loan amount and we will refund any commission paid to us by the lender, or we can accept commission from the lender and no fee will be charged, subject to a minimum of £500. For example, on a £100,000 mortgage our fee would be £500. We also charge a £175 administration fee upon application which is non-refundable.
Portfolio Buy to Let mortgages
For Buy to Let mortgage advice you can choose how we are paid: pay a fee which is usually 0.65% of the loan amount and we will refund any commission paid to us by the lender, or we can accept commission from the lender and no fee will be charged, subject to a minimum of £650. For example, on a £100,000 mortgage our fee would be £650. We also charge a £275 administration fee upon application which is non-refundable
For equity release mortgages
For residential mortgage advice you can choose how we are paid: pay a fee which is usually 2% of the loan amount and we will refund any commission paid to us by the lender, or we can accept commission from the lender and no fee will be charged, subject to a minimum of £1,000. For example, on a £100,000 mortgage our fee would be £2,000. We also charge a £750 administration fee upon application which is non-refundable