Valley Mortgages
Making mortgages simple, stress-free, and built around you
With over 20 years experience across financial services and the property industry, we are perfectly placed to ensure you receive expert advice tailored to you and your individual circumstances. Customer service is absolutely key to everything we do which makes the process as stress free and seamless as possible.
We aim to support you throughout your financial life cycle, from your first time buy, to your growing family, perhaps buying some buy to let properties and then we also specialise in later life mortgages, which is a specialised area of advice which many brokers are not qualified to offer.
We also have excellent relationships with other professionals in the area, ranging from solicitors, estate agents, accountants and wealth managers meaning we can support you with the whole process in one package!
Services we offer…
- Purchases and remortgages
- Capital raising
- First time buyers
- Buy to let
- Later life mortgages for the over 55s
- Let to buy
- Life, critical illness and income protection insurance
Don’t see exactly what you’re looking for? Our listed services cover the most common requests, but they’re not the only solutions we provide. If you need something that’s not mentioned here, we’d still love to hear from you. Get in touch and we’ll be happy to discuss your requirements and find the right way to help.
“Buying a home should be exciting, I'll help take the stress out of the mortgage. My aim is to help people make confident mortgage decisions with clear, honest advice”
At Valley Mortgages, we’re dedicated to five-star service and long-term relationships. We’re here to support your property and protection needs at every stage of life.
Valley Mortgages provides expert mortgage, protection and insurance advice. Valley Mortgages is a trading name of Just Mortgages Direct Limited and Valley Mortgages is the name under which we carry out these services.
Valley Mortgages is not a business in it’s own right, it is part of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Just Mortgages Direct Limited was set up in 1989 and has been part of The Openwork Partnership since 2016.
The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Most Buy to Let & Let to Buy mortgages are not regulated by the Financial Conduct Authority.
A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.