JLM Mortgage Services Reviews 

Used JLM for both my initial mortgage back in 2022 and for a recent transfer of equity I've carried out over the last year.
Ryan oversaw both processes and has been superb throughout, really helpful, happy to answer any queries and generally keep me in the loop and super helpful when dealing with some pretty shoddy solicitors and some lender complexities. Would thoroughly recommend, made two potentially stressful experiences pretty easy and relaxing!

I cannot recommend Phil highly enough!
He was absolutely incredible throughout the entire mortgage process.
When I really needed a good deal, he went above and beyond to secure the best mortgage for me.
Her attention to detail, quick responses to emails and phone calls, and constant follow-ups made the entire experience smooth and stress-free.
He guided me every step of the way, from the initial application all the way through to completion.
Without a doubt, he is the best mortgage broker I have ever worked with.
If anyone looking for someone who is professional, reliable, and truly cares about getting you the best deal, look no further than Phil.
Thank you so much for your outstanding service 🙏🏻

Ryan Waters has been excellent once again, this is my second or third time using JLM Mortgages and every time Ryan has provided excellent customer service going an extra mile in helping with challenges that came up with me buying my new shared ownership home. Ryan without your help I don’t think I would be settling into this fabulous new home of mine so thank you so so much for the extra support that you and your team provided. I will be in touch in the future but no more buying just remortgage. Thanks again for everything.

Gareth was our advisor and was so patient so kind and helped us find the right lender !
Our property was ex council and not typical construction so it wasn’t easy !
We’re very greatful and highly recommend JLM and especially Gareth

Great service from Ryan who made the whole process easy and pain free. Ideal for my first time! Thanks again!

Ryan Waters was absolutely amazing at finding me the best mortgage for my circumstances as well as support throughout the whole process, I wouldn't hesitate but recommend him.

Gareth did an excellent job in in securing us a mortgage offer in our retirement years. He handled everything so smoothly. Thank you

Ryan was absolutely fantastic. We’re in the process of buying our second home and Ryan took the time to understand what we wanted and explained everything clearly. He’s efficient and a pleasure to work with

Ryan from JLM Mortgage Services was amazing at talking us through different mortgage options and provided clear and thoughtful advice. He was easy to get in touch with, was always happy to talk, and we really valued his input. We’ll definitely be using Ryan in the future when remortgaging comes around.

I have been in contact with JLM and more specifically Ryan for around 2 years.

Despite the huge length of time and several iterations of an MIP that had to be drawn up and thrown away as situations changed, Ryan was consistently professional, knowledgable, helpful and positive. We have finally crossed the line and I can’t say enough good things about the service I received throughout.

I would wholeheartedly recommend Ryan in particular and JLM generally to anyone I know looking for a mortgage. Your work and patience is greatly appreciated!

I have been dealing with a man called Andrew Steinbach from 17/12/24 to 30/01/25 during which he proved to have no expertise, no plan, and no strategy to deal with my mortgage case.
Having my Nationwide mortgage refused by a surveyor as the house was built from "pre-cast concrete", I called other high street banks, which confirmed they also categorically refuse loans for this type of construction. I took advice from two mortgage advisors, and then I was directed to the third one, Andrew, by the seller.

Ander said he knows the owners "and the house". However, I had a very bad opinion of him from the very beginning, as Steinbach was overconfident, not listening, not taking my preferences under consideration (trying to force me to take a long-term mortgage as if he was deaf I got a high deposit and a high paying job), which led me to the conclusion he has a problem with me as a successful migrant woman. Despite my reluctance towards small lenders, he insisted on making an unfavorable application with Accord Mortgages, the company another advisor from Mojo confirmed as not issuing loans for "pre-cast concrete". Nevertheless, Andrew made it, but it took him from 18/12/24 to 6/01/25!!!: constantly made excuses why he was not available ("off", "Christmas", "family arrived"). We were supposed to have a call, but he kept postponing it from 21st till 30th Dec '24. Wtf was this man doing if making a mortgage application takes 30min!? They applied with Accord only on the 9th Jan 2025.
And guess what? 16/01 Accord REJECTED it. The entire month was wasted, because the normal person would do this application before Christmas, not in the 2nd week of January 0_0.
Steinbach's next ingenious idea was to apply with Santander to which I reminded him I'd already told him that I had called Santander before I met Andrew and they're not lending for "pre-cast concrete". I also showed him news that Santander will depart from the UK market; after that, he kept silent, then proposed I call Lloyds to remove some pennies unpaid charges from my credit record because "it'll boost your credit score immediately" (the score he screwed himself). And guess what? They didn't! Lloyds also confirmed that an overdraft made after the account closure cannot be removed.
As you can see, 100% of what this man told me was wrong. He proved to have not enough knowledge, plan, or strategy to deal with my mortgage. His moves are chaotic, uniformed, and uncoordinated, he can't even stick to the hour he proposed to call. Steinbach wasted two months of our lives: the house is back on the market, sellers lost their dream countryside purchase, and I ended up with a destroyed credit score - all due to his incompetence.

From start to finish, an absolute pleasure to deal with.

As a first time buyer, Mark helpfully stepped me through all the various processes and things to know and look out for and made the whole thing a whole lot simpler.

Will be recommending to anybody I know that needs a mortgage!

I have been using JLM for a few years now and wouldn’t go anywhere else. Peter is professional and knowledgeable, and I can always rely on him. I highly recommend this firm, you won’t be disappointed.

Peter was helpful, support and responsive all through the stressful and confusing experience of purchasing my first home. He responded quickly to my calls and emails and was always friendly and warm when we spoke. Very knowledgeable and on a couple of occasions double checked/triple checked on my queries.

Truly amazing service from Seb and Nic who have looked after us for over 20 years and sorted 10+ remortgages for us. They literally take the stress and hassle out of it by walking you through step by step and I've happily recommended to family and friends, who by the way have all in turn raved about the fab care received. Never seen service like this anywhere else - do not hesitate to give them a go.

Excellent Mortgage Broker who couldn't have been more helpful from start to finish. Very high levels of service and communication and I would highly recommend them.

I needed a lot of support and patience as my house purchase took nearly two years. During that time, I was informed about JLM by a friend that had used them and it was my 1st time ever dealing with a company on financial matters through calls and emails instead of face-to-face. I am so pleased I took the advice as I have felt more valued as a customer by JLM than any other business that I have recently interacted with. My application was handled by Gareth and I couldn't have asked for any more from him. He showed an incredible amount of patience during the process and was very reassuring throughout. He gave me all the information to make my decisions and kept me informed throughout so I was never left wondering what stage the application was in. This is the highest possible "5 out of 5 star" endorsement I can give, thank you to the whole team.

Would 100% recommend JLM & Gareth my broker. Great service, found a product to fit my needs and my remortgage completed soon after.

Ryan Waters at JLM has helped us for 7 years, from buying our first house and multiple remortgages to currently now, moving house.
He has been extremely helpful in his guidance and awareness of finding the best deal for us, always considering our circumstances and what we are looking to achieve at that time. I would highly recommend.

I was nervous about agreeing a new mortgage deal and changing lender given he recent rises in mortgage rates nationally. Seb was brilliant throughout, and made me feel reassured. Throughout the process he was able to find a better deal to get me on the best possible rate in the current climate. He was also on hand to answer the questions I had and make the process as easy as possible.