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:
Lenders correct as of February 2023.





























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 ÂŁ100,000 then the maximum loan permitted would be ÂŁ80,000.
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...

join our lifetime membership service

a tailored touch

committed to you

a service that you can trust

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.

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...
Nick was so helpful and really made sure I got the best deal on my mortgage, he went above and beyond his role. Couldn’t recommend enough
Went above and beyond to help me with the whole process, couldn’t rate them highly enough.
Rebecca, my mortgage adviser, was superb.
Explaining the best way forward for me and patiently taking all the steps necessary to get the best deal possible for me.
Thank you, Rebecca.
Georgina has been a huge help from start to finish! Always answers our many emails right away and was always more than happy to give us any help or advice. We are finally in the final stages or the house buying process and it has definitely all been made a lot less stressful with the help of Georgina at Jones and Chapman.
Quick, friendly, knowledgeable service. Good knowledge of the various products and explained them in an easy to understand way making for easy comparison
Great service from staff. Very knowledgeable and attended to my needs very swifty. I have used them 3 times now for mortgages
Outstanding and professional throughout. Rebecca was amazing and sorted my remortgage there and then. I definitley left stress free.
Me and my girlfriend are in the process of buying our first house and we have been dealing with Georgina and she has been amazing. Very helpful answering all our questions and has given us the best service. Recommend dealing with Georgina lovely person and made us feel relaxed about a stressful situation.
Georgina at the Wallasey branch Jones and Chapman has been great from our first meeting. She worked to get us the best mortgage deal and has stayed in regular contact throughout which has made me feel supported and valued. Being a first time buyer is stressful but I’m glad I’ve had Georgina there to help guide me through everything.
Very efficient. Explained things to me which I didn't understand. Nothing was too much trouble
I would have gives a 5 star review if we could have had a face to face appointment
Excellent work. Friendly and understandable cutting through all of the jargon and making sure everything was clear
Absolutely amazing couldn’t fault in anyway would definitely recommend to anyone
Ben has been looking after us while we buy our first home and I can’t recommend him enough! The communication we have had with Ben throughout the process has been incredible and continues to be.
Ben has really taken some of the stress out of being first time buyers and has made all the information clear, concise and highly professional.
Really professional and helpful throughout. Rebecca has given me invaluable advice to help me proceed with the house move.

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.
We use cookies to make our site work and to continuously improve it. You can control these by clicking 'cookie preferences'.
These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our site. They help us know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited our site.
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.