Business Details
Award-Winning Mortgage & Insurance Advisers in Carlisle & Dumfries
MORTGAGE BROKERS IN CUMBRIA AND SOUTH WEST SCOTLANDIndependent Mortgage & Protection Advice
Richard Jennings Mortgage Services is a trusted and respected mortgage & protection advice firm based in Carlisle but with the ability and expertise to help clients all over the United Kingdom.
We have over 20 years of experience within our team and provide the highest quality advice to help you meet your property and home ownership aspirations.
We will ensure you are given the right advice in all aspects of your Financial Life.
Richard Jennings Mortgage Services understands that reviewing your financial circumstances is vitally important, that's why we have a wider team of expert advisers who we will refer you to; Pensions, Investments, Tax Planning, Wills, Trusts, Estate Agency and conveyancing services.
Services
First Time Buyer Mortgages
Remortgage Advice
Buy to Let Mortgages
Life Insurance Policies
Income Protection Plans
Served areas
- Carlisle, Dumfries, Annan, Lockerbie, Gretna, Moffat, Kirkcudbright, Workington, Penrith
Details
- Licensed
- Insured
Highlights and features
- We offer over 20 years of specialist mortgage and insurance expertise.
- Our team provides tailored solutions for complex financial circumstances.
- Award-winning service with a 4.6/5-star client satisfaction rating.
- Access to thousands of mortgage and insurance deals nationwide.
- Personalised guidance from application to final approval.
Associations and certifications
- Ce-MAP
Payment methods
- Bank transfers
What people say
Professional and super helpful
Knowledge is 1st class
Excellent and prompt advice
Fantastic customer service
Outstanding service
Services
First Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers navigating property purchases. We guide clients through eligibility criteria, deposit requirements, and government schemes to secure competitive rates. Our process simplifies complex paperwork and ensures clients understand all financial obligations, making homeownership accessible and stress-free.
Remortgage Advice
Expert guidance for homeowners seeking better mortgage terms or equity release. We analyse current deals, assess affordability, and negotiate with lenders to secure optimal rates. Our service includes penalty calculations for exiting existing mortgages and ensuring seamless transitions without financial disruption.
Buy to Let Mortgages
Specialist financing for property investors requiring buy-to-let mortgages. We explain lender criteria, deposit requirements, and tax implications while sourcing deals aligned with portfolio growth goals. Our support extends to understanding rental income assessments and long-term investment strategies.
Life Insurance Policies
Customisable life insurance plans to protect dependants financially. We explain policy types, coverage limits, and payout conditions to ensure clients select appropriate protection. Our advice considers family needs, mortgage obligations, and long-term financial security for loved ones.
Income Protection Plans
Tailored income protection to safeguard against illness or injury preventing work. We clarify policy terms, payout percentages (50-70% of earnings), and waiting periods to ensure clients maintain financial stability during prolonged absences from work.
Questions
How can I get a mortgage with a low income?
We work with specialist lenders accepting Universal Credit, tax credits, and other benefits. We'll assess your stability and explore joint borrower options to secure approval.
What happens if my mortgage application gets declined?
Common reasons include changed circumstances, property issues, or deeper credit checks. We'll review the cause and adjust your application strategy accordingly.
Why should I use a mortgage broker?
Brokers access thousands of deals, provide expert guidance on affordability, and streamline applications. Our industry knowledge saves time and increases approval chances.
What insurance policies do you recommend with mortgages?
We advise life insurance to cover mortgage debts, critical illness cover for major conditions, and income protection to maintain payments during work absences.
How long does a mortgage application take?
Typically 18-40 days, depending on lender processes, property valuations, and legal work. We prioritise timely communication to keep you informed throughout.
Can I remortgage to release equity?
Yes, remortgaging allows equity release for home improvements, debt consolidation, or investments. We'll assess your property's value and negotiate competitive rates.
Reviews (10)
Alison Martin
Nov 16, 2023
Report
Provided first class advice for my son who is a first time buyer. Made the whole
Process easy thanks very much very appreciated highly Recommended
Process easy thanks very much very appreciated highly Recommended
Chris Sullivan
May 01, 2023
Report
I would 100% recommend the services of Richard. As a first time buyer the process seemed quite daunting but Richard has guided me step-by-step through the process using his knowledge and experience. He is extremely dedicated sometimes responding out of hours to questions I had. He has helped find the best mortgage rate and package for my circumstances, a good solicitor and land surveyor. He continues to represent and support me as I move ever closer to exchange and completion. Thank you again Richard for your help and support.
Vicky
Apr 24, 2023
Report
We cant recommend Richard enough! He has worked so hard to find us a great mortage on our dream home when we didnt think it was possible. Hes been there to answer all my silly questions, which he kindly reassured me werent silly. He talked us through it all step by step so we knew exactly what was going on and what we needed to do. He even took my calls whilst he was away on holiday. He has made this whole process stress free for us.
It is very clear to see that not only is Richard great at his job, he loves his job and that makes a massive difference to the level of care you get. I would recommend him in a heartbeat and I look forward to him doing our mortgage renewal in a few years time. Thank you again for all your help!
It is very clear to see that not only is Richard great at his job, he loves his job and that makes a massive difference to the level of care you get. I would recommend him in a heartbeat and I look forward to him doing our mortgage renewal in a few years time. Thank you again for all your help!
Anthony Starkey
Apr 20, 2023
Report
Richard assisted me with re-mortgaging a 2 year fix at a competitive rate. The process was smooth and hassle-free. He has my strong recommendation for anyone in need of a mortgage advisor.
Daniel Wilde
Oct 26, 2022
Report
Richard provided a friendly, personal and professional service from start to finish. In addition to finding a suitable mortgage that we're happy with, he was on hand with guidance, advice and support through the whole process; as first time buyers this was a huge help to us and made all the difference. We would have no hesitation in recommending Richard.
Melissa McKinnell
Nov 14, 2021
Report
I would recommend Richards services to anyone needing mortgage advice. Richard has been extremely helpful, efficient and reliable in getting us our best possible deal!
Joanne McInnes
Sep 15, 2021
Report
We would thoroughly recommend Richard for anyone needing a mortgage. We were able to get a much better deal through Richard than those offered on the Internet. He certainly knows his stuff and was able to answer all our questions. We had several with this being my first time getting a mortgage in Scotland. He made the whole process so simple and no query was too much trouble for him. Definitely always on hand to help.
Lorna Waters
Feb 17, 2021
Report
Me and my Husband would fully recommend Richard for any mortgage advice. We were given his first inital appointment through Scotland Mortgage Advice Bureau due to relocation from England to Scotland. And Richard has made the whole journey exceptional. We are not first time buyers but with obvious differences in Scotland Richard has been there every step of the way going above and beyond to assist in our new mortgage. We fully recommend Richard and his services and will definately be using him again. Thank you so much Richard looking forward to our completion day
Stuart Macpherson
Dec 15, 2020
Report
Richard has been absolutely brilliant throughout our process. How refreshing it is to talk to someone that understands how self employed people work. He is knowledgable, friendly and super helpful, going that extra bit to see us over the line to secure our mortgage. Top marks Richard! We are delighted.
Karla West
Dec 09, 2020
Report
What can we say! Richard has been brilliant, always at the end of the phone, very helpful and clever knows what he is talking about can't recommend him enough! Thanks once again Richard for everything making our dream become our reality