Welcome to my 'dot mobi' (small screen) website - I hope you like it.
We are an experienced independent mortgage advice firm providing nationwide services from our base is South Oxfordshire since 2008.
Websites are fine for basic information - but financial advice is all about talking and communicating.
So why not give us a ring (or request me to ring you) - for a no commitment first/initial consultation at our expense ?
Websites are fine for basic information - but financial advice is all about talking and communicating.
So why not give us a ring (or request me to ring you) - for a no commitment first/initial consultation at our expense ?
I am Janet Hall - I opened The Mortgage Lady, based in South Oxfordshire, in 2008.
We now have a team of 5, dedicated to providing our national client base with the best possible advice and support with their mortgage and insurance needs
As independent mortgage advisers we are able to advise on both first and second charge mortgages with any lender who will deal via ourselves and/or the many master brokers that we have access to for specialist lending.
We pride oursleves in making the unusual and difficult cases look easy - so, if you are concerned about your mortgage situation, please give us a call.
As independent mortgage advisers we are able to advise on both first and second charge mortgages with any lender who will deal via ourselves and/or the many master brokers that we have access to for specialist lending.
We pride oursleves in making the unusual and difficult cases look easy - so, if you are concerned about your mortgage situation, please give us a call.
Tim - Business Development Mgr
Not often unleashed on the public, Tim sits in the corner playing on the internet - although he likes to tell us he is researching and managing our systems and databases. He is also responsible for negotiating with the lenders should we want something out of the ordinary.
We are recruiting !
We are looking for a new case manager and/or trainee mortgage adviser to join our small team - if you would like apply please forward your CV to janet@themortgagelady.co.uk
Minisha - Case Manager
Minisha is one of our two Case Managers, one of whom will become your main point of contact on a day to day basis starting with the collection of your supporting documentation and oustanding data before processing your application and then liaising with the lender, solictors and estate agent as necessary through to publication.
Heather - Records Administrator
As a client you will rarely speak with Heather, who is the 'backroom powerhouse' ensuring that our client and case records are complete and compliant with the everchanging regulatory requirements. Her other job is telling Tim off !
How it works:
I will deal personally with your initial enquiry, data collection and providing the relevant advice - and continue to monitor your case progress.
At an early stage, one of our case managers (Jo or Minisha) will be allocated to your case - and they will deal with the administration aspects (such as collecting and checking documents, processing the physical application while liasing with you, the lender, your solicitors and the estate agent - if applicable).
Tim works mainly in the background -maintaining our systems and databases, researching more complex cases and negotiating with lenders while ensuring we stay current with the ever changing regulations under which we work.
Heather, again works in the background - ensuring that our client and case records are maintained to ensure our service levels and regulatory compliance.
I will deal personally with your initial enquiry, data collection and providing the relevant advice - and continue to monitor your case progress.
At an early stage, one of our case managers (Jo or Minisha) will be allocated to your case - and they will deal with the administration aspects (such as collecting and checking documents, processing the physical application while liasing with you, the lender, your solicitors and the estate agent - if applicable).
Tim works mainly in the background -maintaining our systems and databases, researching more complex cases and negotiating with lenders while ensuring we stay current with the ever changing regulations under which we work.
Heather, again works in the background - ensuring that our client and case records are maintained to ensure our service levels and regulatory compliance.
We charge fees for applying for your mortgage.
Typically this will be £350 for a purchase transaction and £250 for a remortgage transaction. However, if your circumstances are more complex (for example, but not limited to: guarantor involvement, multiple applicants above two, adverse credit, foreign or non-standard income or recent/current expatriate status) the fee is likely to be £500.
Where extreme circumstances are identified we reserve the right to apply an increase to the above fees, but any such increase will be negotiated and confirmed on a Client Agreement in advance of any formal instruction to proceed.
Our fees become payable when we make an application to a lender on your behalf and are not refundable.
We will also normally be paid a commission from the lender for arranging the mortgage on your behalf.
We do not normally charge you a fee for arranging insurances.
Full written details of our fee charging policy are available on request.
Typically this will be £350 for a purchase transaction and £250 for a remortgage transaction. However, if your circumstances are more complex (for example, but not limited to: guarantor involvement, multiple applicants above two, adverse credit, foreign or non-standard income or recent/current expatriate status) the fee is likely to be £500.
Where extreme circumstances are identified we reserve the right to apply an increase to the above fees, but any such increase will be negotiated and confirmed on a Client Agreement in advance of any formal instruction to proceed.
Our fees become payable when we make an application to a lender on your behalf and are not refundable.
We will also normally be paid a commission from the lender for arranging the mortgage on your behalf.
We do not normally charge you a fee for arranging insurances.
Full written details of our fee charging policy are available on request.
The guidance contained within this website is subject to the UK regulatory regime and is primarily targeted at consumers based in the UK.
The Mortgage Lady is a trading style of Janet Hall, who is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266
Proprietor: Janet Hall
115 The Street • Crowmarsh Gifford
Wallingford • Oxon • OX10 8EF
0330 999 1955
115 The Street • Crowmarsh Gifford
Wallingford • Oxon • OX10 8EF
0330 999 1955
Click on the FCA logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
