About Us

ABOUT

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.

Our History



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 History

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)

Team

Who We Are


Michelle Ford
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
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
Kate Keeling Practice Manager

Kate worked for JML back in 2002 and returned to work at JML in 2015. Kate supports the Directors and runs the Practice.

Leah-Marie Archer
Leah-Marie Archer Sales Support

Leah-Marie joined JML in 2013. Her main responsibility is to provide administration support to the practice and our clients. Leah-Marie started working in Financial Services in 2007.

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 £125 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 £225 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 £395 administration fee upon application which is non-refundable