Michael Thomas Just Mortgages

29/09/2026

As you repay your mortgage and property prices change, the amount you borrow compared with your home’s value may also change.

This could influence which products and rates you are eligible for when it is time to review your mortgage. Eligibility will depend on your circumstances and the lender’s criteria. 📈🔑

A Just Mortgages adviser can help you understand where you currently stand: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

24/09/2026

When did you last look closely at the details of your mortgage?

Knowing what you currently owe, the conditions attached to your deal and whether any charges apply can help your adviser build a clearer picture of your needs. 🏠✅

Gather your latest mortgage statement and start preparing for your next review: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

22/09/2026

Six months can pass quickly, especially when there are finances, paperwork and lender requirements to consider.

Reviewing your mortgage ahead of time could help you avoid a last-minute rush and give you space to explore what may be suitable for your circumstances.🔍📄

💬Learn more about how you can prepare for your next mortgage: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

17/09/2026

🚨Base Rate Announcement🚨

17/09/2026

🏡 You do not necessarily need to be buying with a partner to become a homeowner.

Whether you could buy alone may depend on your income, available deposit, regular commitments, credit history and the price of the property.
Understanding your position early could help you set a realistic budget and focus your property search.

A mortgage adviser can help you understand your potential borrowing range and what could be realistic for your circumstances.

📩 Speak to a Just Mortgages adviser to take your first step towards home ownership: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

15/09/2026

Buying alone can mean managing each decision and cost independently, but you do not have to work everything out by yourself.

A mortgage adviser can explain the application process, help you understand how lenders may assess your finances and explore options based on your circumstances.

You may discover that your plans are already realistic, that you need more time to prepare or that adjusting your property budget could help.

📩 Speak to a Just Mortgages adviser about your next steps: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

10/09/2026

Preparing your financial information before speaking to a mortgage adviser could help make your initial conversation more productive.📄

You may be asked about your income, deposit, regular spending, existing commitments and the property price you are considering.

Income from self-employment, bonuses, commission or several sources may be assessed differently between lenders.

📩 Speak to a Just Mortgages adviser to find out what information you may need: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

08/09/2026

🏡 Buying a home does not have to be something you do with a partner.

Your mortgage options may depend on your income, deposit, regular outgoings, credit history and the price of the property you are hoping to buy.
A mortgage adviser can help you understand your potential borrowing range and whether home ownership could be realistic for you.

📩 Speak to a Just Mortgages adviser to explore your options: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

03/09/2026

Michael was supportive thorughout the process. He explained all the stages of the process diligently. He was readily available and he was responsive by text, email or zoom depending on your preferred method of communication. I'm grateful for having been guided by him and his team during a stressful period.
Thank you Michael
Precious sept 2026

03/09/2026

🏠 A missed payment doesn’t always mean your mortgage plans have to stop.

Lenders may consider when it happened, how much was involved, whether it has been resolved and your current financial position.

If you’re thinking about buying a home, getting advice before you apply could help you feel more prepared.

🔗 Find out more via the link: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

01/09/2026

🔍 Had credit issues in the past and unsure where you stand?

Older credit issues may be viewed differently to recent ones, especially if they’ve been resolved and your finances have been managed well since.
Every lender has different criteria, so it’s worth speaking to an adviser before ruling yourself out.

🔗 Read the full blog here: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

20/08/2026

Michael has been nothing short of fantastic when it came to helping me arrange my mortgage. He made the process very smooth and easy and would always check in on me to make sure I was happy and understood everything. Would highly recommend his services ☺️ thank you
Pauline 20 aug

18/08/2026

Are you ready to Step on the property Ladder?
You may be thinking: I am ready to make the step but do I earn enough to get a mortgage?
Do you earn an income by being employed or self-employed?
Do you earn overtime, commission or a bonus?
Do you receive company benefits such as car allowance or London weighting?
Do you receive extra benefits such as child benefit?
Do you want to know if you can make the step?
Contact me for a no obligation chat.

31/07/2026

Thinking about making plans for the future such as buying a property. Maybe you have a mortgage already. Whether you are employed or self-employed when you are ill or have an accident and your income stops your plans and dreams can soon become a burden. Protecting your income helps protect you and your family . Why not talk to me today on 07533725211 or email [email protected]

30/07/2026

28/07/2026

Entering the world of buy to let was made so less stressful by Michael. We did the whole process remotely and felt completely at ease via the numerous communications, online video, email ,text or phone. We received prompt responses to the many questions we asked, and Michael’s patience was exceptional. At no time did we feel any pressure to commit to a decision, and he supported right through the property purchase process. We have no hesitation in using Michael again and would most definitely recommend him to others.
Sarah 29/07/2026

12/07/2026

03/06/2026

Buying your first property can be daunting and may seem impossible but help is available. There are multiple schemes available to help First Time buyers get on the property ladder. This can include:
100% loan-to-value mortgage deals
Deals that require low deposits
Shared Ownership Scheme
Forces Help to Buy
Joint Ownership Sole proprietor that allows support from family members
If you are thinking about taking that first step why not have a chat with me!

05/05/2026

The Bank Of England Rate remains unchanged but Lenders are still very active. Over the last few weeks Lenders have been reducing rates so if you have a Fixed rate ending this year, looking to move this year or a First Time Buyer why not review your options now and avoid the unexpected.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 05/05/2026