Mortgage Services


First time buyer

We can guide you to buy your first home from start to finish, including how much you can borrow and how much deposit you will need.


We will review your existing mortgage and compare them with the market, so that you can secure a lower interest rate and start to save money.

Buy to Let

Whether you are a landlord or new to the buy-to-let mortgage, we can help you to find the best buy-to-let mortgage for your circumstance.

Moving Home

We will advise you to get the right mortgage offer for your requirements and support through the process of moving into your dream home.

Bad Credit Mortgages

It doesn’t matter if you’ve been turned away in the past as, with the right advice, it may be possible for you to obtain a bad credit mortgage.

Bridging loan

Bridging loans are short-term, high-rate interest loans that help people to complete the purchase of a property before selling their existing home.

Also we can guide you through this using our specialist knowledge, including:

  • Right to buy
  • Help to buy
  • Exclusive rates
  • Capital raising
  • Debt consolidation
  • Rate switch
  • Portfolio Landlords
  • Second charge
  • Self-employed mortgages
  • New Build
  • Self build
  • Leasehold
  • Freehold
  • Equity Release
  • Commercial/Semi-Commercial Mortgages
  • Bridging Loan
  • No credit history
  • Late payments
  • Payday Loans
  • Defaults
  • Low credit score
  • Missed mortgage payments
  • Debt management schemes
  • CCJs
  • IVAs
  • Bankruptcy
  • Customers with multiple credit problems

Your Property may be repossessed if you fail to keep up repayments on your mortgage.

​‘JAKS Finance’ is a trading style of S&M FINANCIAL PLANNING LTD Registered address: 223 St. Albans Road Watford WD24 5BH. Registered in England and Wales under number 11934106.

S&M FINANCIAL PLANNING LTD is authorised and regulated by the Financial Conduct Authority under number 920482 in respect of mortgage, insurance and consumer credit mediation activities only. The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK.