I first came to the UK over 11 years ago, initially to work on a 16 months long project. During that period, I met my future wife and decided to stay. My background was electronics engineering and I retrained 5 years ago to work in the financial sector. Thanks to my background, I am confident in dealing with numbers and computers – believe me, I have met plenty of financial advisers who are not good at it!

I initially specialised in commercial finance for properties in the UK but soon diversified to offer a fully fledged service and I therefore advise now on both commercial and residential matters. The vast majority of my client base consists of British clients wishing to put in place finance or refinance against UK properties. I am fully authorised and regulated by the FSA and can therefore source suitable mortgages on British properties. I can source solutions from the whole market, without any restriction or bias towards any particular lender.

Being French I can also assist with clients wishing to either purchase a property in France or even remortgage an existing one, whether the clients are British expats living in France, or clients living in the UK (French OR British) who want an investment property or maybe a holiday home. I can speak to estate agents and solicitors if need be and make sure the process can go as smoothly as possible.

I have contacts with lenders in France, but also with an independent French broker working in France if a case turns out to be more complex. I can also source international mortgages with a Britain based lender in the currency of your choice for properties in Europe and in some countries further afield. For instance, at the moment I’m helping a German client living in Switzerland buy an investment property in London, and an Italian client, ;living and working in Italy buy a pied-à-terre in Brighton. Last year, I helped a British couple living and working in the UK remortgage their chalet in France with a mortgage secured in sterling.

Another area where I can help is with offset mortgages. They are sophisticated financial products, not suitable for everybody though, but when you fit the right profile they can potentially save you substantial costs on borrowing or allow you to obtain the equivalent of a line of credit. Clients can leverage against UK assets and then use them for subsequent purchases, in the UK or abroad, and only pay interest when the additional funds are actually drawn down. Another use of this powerful tool is to allow borrowers to pay off mortgages earlier, thereby saving considerable sums over time. For more information on these, do feel free to contact me after this presentation.

http://www.jam-mortgage.com/Default.aspx

Address

3 Dartmeet Court
Poundbury
Dorchester
Dorset
DT1 3SH

Telephone
01305 25 99 85

Fax
0118 919 7765

Email
enquiries@jam-mortgage.com