Advice that works for you,
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About TJ Brookes LTD
TJ Brookes LTD is a mortgage broker based in Leigh-on-Sea, with offices in Basildon. We provide tailored mortgage advice to clients across the UK, supporting a wide range of residential and investment property needs.
Every client’s circumstances are different. Before making any recommendation, we take time to understand your income, employment status, financial commitments, credit history, deposit position, and long-term plans. We also consider the type of property you are buying or refinancing and how this fits with your future goals. This ensures that any advice provided is suitable for your individual needs and objectives.
Our role is to assess what is affordable and sustainable for you, both now and in the future. We explain how lenders assess applications, including income multiples, expenditure checks, and credit scoring. Where relevant, we discuss fixed and variable rates, early repayment charges, and overall cost comparisons so you can see the full picture rather than focusing only on headline rates.
Whether you are a first-time buyer, home mover, remortgager, self-employed, a contractor, or expanding a property portfolio, we provide clear and straightforward guidance. We understand that some circumstances can be more complex, such as variable income, limited company structures, or previous credit issues. We will outline the options available based on current lender criteria and explain any limitations that may apply.
We avoid jargon and present information in plain language. You will have the opportunity to ask questions and take time to consider your options before making any decisions. Mortgage approval is always subject to lender criteria, affordability checks, and underwriting.
We are committed to clear communication and treating customers fairly at every stage of the process. This means providing balanced information about the benefits and risks of different mortgage products, being transparent about any fees, and ensuring you understand your responsibilities as a borrower.
We Can Provide Advice
We support clients across the UK in navigating property finance with clear and transparent guidance. Whether you are buying your first home, refinancing, investing, or expanding a portfolio, our advisers provide information tailored to your individual circumstances.
If you are planning to relocate to Essex and require mortgage finance, we are happy to provide advice and explain the options available to you.
Our role is to help you understand your choices, compare suitable products, and make informed decisions based on your needs and financial position.
Residential Mortgages
If you are buying your first home, moving home, or remortgaging, it is important to understand how different mortgage products work. We explain fixed-rate, tracker, variable, and other mortgage options so you can assess how interest rates and terms may affect your monthly payments and long-term costs.
Mortgage approval is subject to lender criteria, affordability assessment and credit status.
Buy to Let Mortgages
A buy-to-let mortgage is designed for properties rented to tenants. Lenders assess applications differently from those for residential mortgages and may require higher deposits and calculations of rental income.
We assist landlords, including first-time and accidental landlords, by outlining lender requirements, tax considerations and potential risks so they can make informed investment decisions.
Bridging Finance
Bridging finance is a short-term lending solution that may help when there is a timing gap between transactions, such as buying before selling. These loans are typically secured against property and can carry higher interest rates and fees than standard mortgages.
We explain the costs, risks and repayment strategy required so borrowers understand whether bridging finance is suitable for their circumstances.
Commercial Mortgages
Commercial mortgages are used to purchase or refinance business premises such as offices, retail units or industrial property. Lending decisions are based on business performance, financial accounts and property suitability.
We provide guidance on available options and outline how terms, interest rates, and security requirements may differ from those in residential lending.
Development Finance
Development finance is intended for property building, refurbishment or conversion projects. Funding is usually released in stages and is subject to valuation reports and monitoring.
We help clients understand how staged payments work, what documentation lenders require, and how exit strategies are assessed before funds are agreed.
Whatever your property objective, we provide clear information to help you understand your options. Our advisers aim to ensure you are aware of costs, risks and lender criteria before making any commitment.
If you are moving home within the UK or relocating to Essex and require mortgage advice, we can assist with your mortgage requirements.
Contact Us
[Adviser/Director Name] trading as TJ Brookes LTD is an Appointed Representative of Connect IFA Limited (441505), which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference [Insert Reference Number].
Please note: The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Important Notice
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The precise amount will depend on your individual circumstances. Your adviser will confirm the actual amount prior to any commitment, but we estimate this to be a minimum of [Insert Fee] or [Insert Percentage]% of the mortgage balance — for example, [Insert Example Calculation].
We usually charge a [Insert Admin Fee] administration fee when submitting your application to the lender.
Company Details
TJ Brookes LTD
[Insert Office Address]
[Insert Town/City]
[Insert Postcode]
Registered in England and Wales No: [Insert Company Number]
Commission Disclosure
We act as a credit broker and not a lender. We have access to a wide range of lenders. Once we have assessed your requirements, we will recommend a suitable product from one or more of these lenders. However, you are under no obligation to accept our advice or recommendation.
We typically receive commission from the lender upon completion of your transaction. This is usually a fixed percentage of the loan amount. The amount of commission varies by lender and product, but it does not affect the amount you pay under your credit agreement.
Complaints Procedure
It is our aim to deliver excellent customer service at all times. However, if you wish to make a complaint, please contact us in writing at:
Compliance Department
Connect IFA Ltd
39 Station Lane, Hornchurch, RM12 6JL
Tel: 01708 676110
If your complaint cannot be resolved, you may have the right to refer it to the Financial Ombudsman Service:
www.financial-ombudsman.org.uk
Important Considerations
Think carefully before securing other debts against your home.
By consolidating debts into a mortgage, you may end up paying more over the full term than you would with your existing arrangements.