we are committed to finding you the right mortgage

Our Mortgage Consultants are here to help you every step of the way through the mortgage maze, beginning with the application forms through to finding the right mortgage for you, one that will suit your needs and financial requirements - we'll help you do it all.
With our professional advice and access to a panel of selected lenders - we're sure we can help you, whether you are a first-time buyer, a seasoned property mogul, wanting to move up the property ladder or even just remortgaging.
more help for you... we have a selection of free guides to help you with your mortgage requirements and how we can help you. Simply download the relevant guide below:




























All figures are for illustrative purposes only and are based on a repayment mortgage only basis.
Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
Please complete our Contact Us form below to obtain further detail on the products listed above.
The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.
Fixed. A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.
Tracker. The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn't mean it's the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.
Standard Variable Rate (SVR). This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England's base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.
The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.
The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.
The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.
Whether the lender charges a fee to arrange the mortgage
This is the Annual Percentage Rate of Charge (APRRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.
reasons to choose our mortgage services...

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protecting your property
We offer advice on insurance products designed to ensure that even if you are too ill to work or in the event of your death, you still have the funds to keep your home for your family. We can also arrange buildings and contents insurance for you, to protect your home and your belongings.
On request, we can refer you to a specialist Consultant to provide you with advice on additional products that can be designed to provide a lump sum or income for you and your family. These products are designed to help you and your family to maintain your current lifestyle in the event of ill-health or death before your selected retirement age.
Our specialist advisers can tailor a solution to meet your individual circumstances.
Our products and suppliers are - Ageas Insurance Limited for Buildings and Contents Insurance and Aviva for Term Assurance, Critical Illness Cover and Income Protection.

help to buy?
No problem, we work with lenders who’ve been arranging Help to Buy mortgages for years.
Find out more about (You are about to leave the website of Brown & Merry and view the content of an external website. Brown & Merry cannot be held responsible for the content of external websites)
Help to Buy here

you'll gain access to myaccount
Keeping an eye on where you are with your mortgage and insurance transaction has never been easier with myaccount. With myaccount you'll gain access to key tools, guides and monitor your milestone markers to see how your transaction is progressing and much more!
what our mortgage customers say...
We love hearing what our customers have to say about our service, we use an independent review company Feefo to find out what our customers think - take a look for yourself...
Excellent service. Ashley Shackell did great job, helped me lot. Answered my emails.signposted me to few services. I can’t be thankful enough for him & his help
I stumbled across Jones and Chapman after booking a viewing on a property they were listing and it's the best accident ever! Having already been looking for a home for 5 months I took up their offer to speak to their in-house Mortgage Advisor and instantly felt comfortable with her. Megan seemed surprised I hadn't got further in my house journey as the team got people properties fairly quickly, she said. Not having any previous experience of the home buying process, I didn't know what to expect, but it had to be more than I was getting from my current Mortgage Advisor, so after meeting with Megan went for it and when I say everything went fast far there, I'm not lying!
I met with Megan and viewed a property on the Saturday and by the following Thursday, my offer had been accepted! I couldn't believe it!
Following that, I have been supported all the way and cannot say a single negative thing about anyone I have come into contact with at Jones and Chapman, definitely sticking with them.
Will service. Lovely lady listened, almost therapeutic. Well organised. Gives you time to ponder.
Excellent service and has made the process much smoother for us! Thankyou ant for all your help couldnt of done it without you! Would 1000% recommend
Really helpful and informative! Explaining every detail well and not overloading you with too much information all together breaking it down so it understandable
Brilliant! Hugo explains everything in ways that it’s clear and easy to understand. Answers any questions we have as soon as we email or call. All round amazing service
Catherine Hughes is absolutely excellent. We went into the process very blindly and she has helped us through every step of the way.
Can’t fault the service. Staff very helpful and would recommended this service to others.
Georgina has been amazing with arranging our mortgage. Great communication, fast and efficient in dealing with questions and she went above and beyond to get us the best deal
We are first time buyers and due to this were completely uneducated in this process. Catherine has been amazing, she’s been there every step of the way!
Fantastic - Megan has been responsive, very helpful and got my mortgage accepted in less than 1 week of having my offer accepted.
Very Informative, no question is stupid to them. Make everything as easy as possible. Great service so far.

find out how we can help you with your mortgage requirements by using the contact form.
talk to someone
call our Mortgage Services team on01525 213 721
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.
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