NJ Financial Consultancy Limited

NJ Financial Consultancy Limited UK Mortgage and Protection Specialists

HOW CAN THE GOVERNMENT PUSH UP YOUR MORTGAGE RATE? ⬆️ 📈
11/09/2026

HOW CAN THE GOVERNMENT PUSH UP YOUR MORTGAGE RATE? ⬆️ 📈

There’s a common misconception that lenders will judge every coffee, meal out or shopping trip on your bank statements. ...
07/09/2026

There’s a common misconception that lenders will judge every coffee, meal out or shopping trip on your bank statements. ☕️🛍️

In reality, normal day-to-day spending is rarely the concern. What can raise questions is a consistent pattern of gambling, particularly where it suggests financial pressure or affects affordability.

Lenders aren’t expecting you to stop living your life just because you’re applying for a mortgage.

25/08/2026

🏡 LATEST HOME MOVER RATES

Hovering in the mid to low 4s

If your thinking about moving home come have a chat ☕️ 🗣️

19/08/2026

Mate..

The lowest mortgage rate isn’t always the cheapest deal 🏡A lower rate might catch your eye, but once you factor in produ...
17/08/2026

The lowest mortgage rate isn’t always the cheapest deal 🏡

A lower rate might catch your eye, but once you factor in product fees, valuation costs and other charges, a slightly higher rate can sometimes work out cheaper overall.

That’s why we look at the total cost of a mortgage, not just the number in the headline.

Sometimes, a higher rate can actually save you money 💷

13/08/2026

Introducing WOULD THEY LEND? 🤔

Our new series where we give you real life lending scenarios, provide a Yes or No, then break down why.

Buying your first home can feel like a lot to get your head around 🤯Here’s a simple breakdown of what the journey actual...
11/08/2026

Buying your first home can feel like a lot to get your head around 🤯

Here’s a simple breakdown of what the journey actually looks like, from your first chat with us to getting the keys 🔑

Thinking of buying? Drop us a message — we’re always happy to chat 💬

10/08/2026

CURRENT BEST FIRST TIME BUYER RATES 🏡

Contact us for more information 📞 📧 📱

CLIENT CASE STUDYJust because your circumstances are complex or unique, doesn’t automatically make it a “NO”.We take the...
05/08/2026

CLIENT CASE STUDY

Just because your circumstances are complex or unique, doesn’t automatically make it a “NO”.

We take the time to understand your position and use our nohow, plus our wide panel of lenders, to find a solution 😎

It’s always worth a quick chat to see how we can help you reach your goal of home ownership ☕️ 🏡

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London

Telephone

+442080790180

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