Business Details
Independent Mortgage & Protection Advisors Sheffield
At JPM Financial, we bring decades of expertise to mortgage and protection advisory services, combining in-depth market knowledge with a client-centric approach. As an independent firm regulated by the Financial Conduct Authority, we offer access to the whole of the mortgage market, ensuring tailored solutions for home purchases, remortgages, investment properties, and critical illness protection. Our team of certified advisors prioritises transparency, with clearly disclosed fees and a free initial review to assess your unique financial situation.We specialise in complex cases, leveraging strong relationships with medical underwriters and providing trust planning services to safeguard your financial legacy. Committed to regulatory compliance and ethical standards, we work closely with solicitors and estate agents to streamline processes while maintaining accountability through the Financial Ombudsman Service for dispute resolution.
Services
Mortgages
Protection Plans
Remortgages
Buy to Let Mortgages
Trust Planning
Highlights and features
- We offer 20+ years of experience in mortgage and protection advisory services.
- Our independent status provides access to the entire mortgage market.
- We provide a free initial review to assess individual financial needs.
- Our team maintains strong relationships with medical underwriters for optimal outcomes.
- We include trust planning as part of our protection advisory process.
Associations and certifications
- Financial Conduct Authority
Services
Mortgages
We provide comprehensive mortgage advisory services covering home purchases, remortgages, and investment properties. Our independent status ensures access to the entire market, allowing tailored solutions for clients. With expertise in complex cases, we streamline the process through direct liaison with solicitors and estate agents.
Protection Plans
Our protection services cover critical illness, loss of income, and life cover to safeguard against unforeseen circumstances. We work within client budgets while maintaining relationships with medical underwriters to secure optimal terms. Trust planning ensures proceeds reach intended beneficiaries without regulatory complications.
Remortgages
We specialise in remortgaging solutions to release equity for home improvements or better rates. Our advisors assess individual circumstances to identify cost-saving opportunities while ensuring compliance with Financial Conduct Authority regulations throughout the transition process.
Buy to Let Mortgages
Our buy-to-let mortgage advisory service caters to property investors seeking competitive terms. We provide market analysis and lender comparisons to support informed decisions while disclosing all fees, including our 295 arrangement charge, upfront.
Trust Planning
We integrate trust planning into protection services to ensure financial legacies are preserved according to client wishes. This non-regulated service works alongside life cover to direct proceeds appropriately, providing peace of mind for clients and beneficiaries.
People
James Mace
Company Director
James Mace oversees operations at JPM Financial, applying extensive mortgage market expertise to guide clients through complex financial decisions.
Peter Mogan
Company Director
Peter Mogan co-leads JPM Financial, focusing on regulatory compliance and strategic partnerships within the mortgage advisory sector.
Karen Wright
Mortgage & Protection Advisor
Karen Wright provides specialist mortgage and protection advice, leveraging industry relationships to secure tailored solutions for clients' financial needs.
Kelly Waldron
Mortgage & Protection Advisor
Kelly Waldron offers mortgage and protection advisory services, specialising in first-time buyer schemes and critical illness coverage options.
Questions
What mortgage types do you specialise in?
We specialise in residential mortgages, remortgages, buy-to-let investments, and complex cases requiring specialist lenders.
Do you charge fees for mortgage advice?
Yes, our mortgage arrangement fee is £295, disclosed upfront before any commitment.
Are protection plans regulated?
Life cover and critical illness protection are FCA-regulated, while trust planning falls outside their scope.
How do you handle client complaints?
Unresolved complaints are referred to the Financial Ombudsman Service for independent resolution.
Can you assist with first-time buyer mortgages?
Yes, we provide tailored advice for first-time buyers, including government schemes and competitive rate comparisons.
