If you are looking to buy your first home, remortgage an existing property, want a new mortgage, family protection or just want to review what you already have to try make it cheaper, as an experienced mortgage advisor in Norwich offering national coverage, we will be more than happy to help you. If you need help finding life insurance, critical illness insurance or income protection insurance, or if your premiums were increased after underwriting or worse turned down altogether, then you've come to the right place.
If you are an experienced buyer or purchasing for the first time, just looking to re-mortgage your property, we can help find a solution. People do not want to be sold a mortgage, they want to talk about a mortgage; it's all about relationships! One of the biggest goals in life is a happy, comfortable retirement. At whatever age you plan to stop working, you will want to ensure you have enough money to go with your newfound freedom.
Lifetime Wealth Management offer you the experience, quality and flexibility you need to look forward with confidence to building a long-term investment strategy.
If you are an experienced buyer or purchasing for the first time, just looking to re-mortgage your property, we can help find a solution. People do not want to be sold a mortgage, they want to talk about a mortgage; it's all about relationships! One of the biggest goals in life is a happy, comfortable retirement. At whatever age you plan to stop working, you will want to ensure you have enough money to go with your newfound freedom.
Lifetime Wealth Management offer you the experience, quality and flexibility you need to look forward with confidence to building a long-term investment strategy.
Services
JF Financial Associates is a business partner of Lifetime Wealth Management, with our Head Office located in St Albans.
Together we have Advisers located throughout most of the UK, who collectively have decades of experience in Financial Services.
Justin Fordham - South African born, but English by heritage.
He moved back to the UK in 1998 and migrated into financial services shortly after.
Starting as a bank adviser, he soon moved onto one of the country's largest and most respected independent mortgage and insurance brokerages where he learned and mastered his trade before setting up "JF Financial Associates" in 2007.
Together we have Advisers located throughout most of the UK, who collectively have decades of experience in Financial Services.
Justin Fordham - South African born, but English by heritage.
He moved back to the UK in 1998 and migrated into financial services shortly after.
Starting as a bank adviser, he soon moved onto one of the country's largest and most respected independent mortgage and insurance brokerages where he learned and mastered his trade before setting up "JF Financial Associates" in 2007.
When you deal with a bank or building society directly, the majority of them are not allowed to offer you advice, they are only permitted to offer you information on the products they offer.
Unlike the banks that are single tied, JF Financial Associates are Whole of Market authorised, so depending on your specific client profile like income into the home, current debts, your credit history, the loan to value required, product flexibility and the other individual requirements, we offer you ADVICE and RECOMMENDATIONS based on the most suitable mortgages and products that best suits you as an individual.
Unlike the banks that are single tied, JF Financial Associates are Whole of Market authorised, so depending on your specific client profile like income into the home, current debts, your credit history, the loan to value required, product flexibility and the other individual requirements, we offer you ADVICE and RECOMMENDATIONS based on the most suitable mortgages and products that best suits you as an individual.
The financial consequences of having a critical illness or dying prematurely can be catastrophic!
A huge proportion of adults do not have any form of life or critical illness protection in place!
However dealing with such issues provides a little peace of mind knowing that in the event of misfortune, your loved ones can be financially protected and avoid financial hardship.
Most people may already have some form of financial protection in the shape of mortgage protection.
However it is important to consider the wider financial implications, especially if you have a family and are the main earner.
A huge proportion of adults do not have any form of life or critical illness protection in place!
However dealing with such issues provides a little peace of mind knowing that in the event of misfortune, your loved ones can be financially protected and avoid financial hardship.
Most people may already have some form of financial protection in the shape of mortgage protection.
However it is important to consider the wider financial implications, especially if you have a family and are the main earner.
Your Buildings Cover provides protection for damage caused to the structure of your home, while your Contents Cover provides protection for the items inside your home.
You can also get Personal Possessions Cover, Legal Expenses Cover and Home Emergency Cover all within the same policy.
Not all of this cover is needed by everyone, so our experienced advisors at JF Financial Associates are here to help get you cover to suit your individual circumstances.
When finances are tight, this type of insurance is the most common type to be stopped in hopes of saving a few pennies.
You can also get Personal Possessions Cover, Legal Expenses Cover and Home Emergency Cover all within the same policy.
Not all of this cover is needed by everyone, so our experienced advisors at JF Financial Associates are here to help get you cover to suit your individual circumstances.
When finances are tight, this type of insurance is the most common type to be stopped in hopes of saving a few pennies.
There are two types of Life Assurance plans, namely Level Term Assurance and Decreasing Term Assurance.
Level Term Assurance are the policies where the amount you are covered for, remains the same for the duration of your plan.
Decreasing Term Assurance are the policies where the amount you are covered for, reduces month on month and is directly related to the remaining term of the plan.
Each plan can then have additional extras which our experienced advisors at JF Financial Associates can talk you through, but they include benefits to you like Mortgage Repayment Guarantee, Guaranteed Premiums, Total and Permanent Disability or Waiver of Premium.
Level Term Assurance are the policies where the amount you are covered for, remains the same for the duration of your plan.
Decreasing Term Assurance are the policies where the amount you are covered for, reduces month on month and is directly related to the remaining term of the plan.
Each plan can then have additional extras which our experienced advisors at JF Financial Associates can talk you through, but they include benefits to you like Mortgage Repayment Guarantee, Guaranteed Premiums, Total and Permanent Disability or Waiver of Premium.
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