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J Finance Ltd is a team of independent financial advisers and mortgage consultants and we would be delighted to help you with your financial requirements. Below we have highlighted a little about the history of our firm and outlined our services.
Jonathan Bright founded J Finance Ltd in 2001. The financial services company is based in Newbury and serves customers throughout Berkshire, Buckinghamshire, Oxfordshire and Hampshire.
As a team of financial advisers and mortgage consultants our focus is on giving our clients outstanding customer service and professional advice. We value building long term relationships with our clients, and we know this can only grow from offering a first-class personal service and establishing mutual trust. More importantly, many of our team are parents themselves. We’ve all experienced family life and along with our extensive industry knowledge, we believe this helps us to assist growing families.
To help identify the best financial products for you, whatever your stage of life, we need to understand your personal position, so it is vital to take the time to talk about your current situation and your plans for the future.
Areas we cover:
We are based in Newbury but have clients throughout much of the south of England including Oxford, Wantage, Didcot and Abingdon as well as Basingstoke, Reading, Andover and Farnborough. We have advisers based in Oxfordshire, Berkshire, Hampshire and Buckinghamshire.
What we do:
Our team of Financial advisers, mortgage brokers and protection specialists, are here to help you make the best of your financial situation and achieve your financial goals – we have many years of experience and we’ve built our business by offering excellent customer service.
We know that having a family can take up a lot of energy and time, so once you’ve decided on the products you want then we will help by giving you a dedicated administrator who will work closely with all of the banks, providers and insurance companies to ensure that you get the best level of service with the minimum hassle. We are happy to offer virtual meetings online as well as face to face (when permitted) and telephone calls. We also offer our clients a free personal financial portal where you can securely upload documents to keep you safe online.
Our financial services include: Mortgages, Insurance, Pensions, and Investments.
Whether you are looking to buy property in a personal or professional capacity, getting the right mortgage is extremely important. We are not tied to any bank or building society, so our experts can offer a first-class mortgage advice service based on an independent review of the whole market. We can assist with remortgages, help to buy, first time buyers, buy to let, new build mortgages and equity release.
The most important aspect of insurance is that it’s there to help you when you need it, but there’s also a balance to be struck between having the right level of cover and paying for something you don’t need.
Have you a partner or family you wish to provide for, or outstanding mortgages or debts you need to protect? As you go through life your responsibilities may change and it is worth reviewing your insurance products to ensure you are getting the best value for your needs.
Insurance can seem complicated, but our advisers are here to help you make the most appropriate decisions for you and for your family. Below is a brief guide to different types of insurance available but why not contact us to talk this over?
Level term life insurance
This is a simple and cost-effective insurance which is for an agreed number of years (the term). You pay premiums each month and if the worst happens and the individual who is insured happens to die during that time, a pay-out will be made to the family. The size of that award and the length of the term is decided before you start the policy.
Whole of life insurance
This type of policy is self-explanatory – you are insured for the whole of your life. Your family will receive a lump sum should you die. The coverage is agreed at the start of the policy and, as long as the premiums are paid, that amount will be paid out on your death. Many of the most popular type of policies acquire a cash value as you pay the premiums, because some of your premiums are invested. It is usual for you to eventually get access to some of that cash, but that may affect the ability of the plan to continue to provide the amount of cover previously agreed.
Mortgage decreasing term insurance
This insurance is used to pay the balance of your mortgage, so as time goes on and the balance falls, the pay-out will become less. You pay this insurance over a fixed term – normally the same period as your mortgage. The reductions may happen either once a year or monthly. This is cheaper than level term as the amount of cover needed reduces as time passes.
Family income benefit
This is a different kind of insurance – it pays out a regular, fixed and tax-free income should you die, rather than a lump sum. It can be a cost-effective way to ensure your family’s financial security without your income. The policy is paid out for a certain term – for instance until your youngest child has reached a given age. Whilst to some it may be attractive to have a large lump sum, for others a regular income may remove the concern of investing the money or making sure that it lasts.
Critical illness cover
This policy pays out if you are diagnosed with a serious illness specified in the terms of the policy. It may also cover you if you are deemed to be permanently disabled. This insurance is designed to enable you to concentrate on your treatment and recovery, without having to worry about paying the bills. This cover usually pays out a lump sum, which is tax free, and can be used to cover bills, pay off your mortgage or provide for the costs of treatment. It doesn’t usually cover you for death, in that case your life insurance would pay out.
Income protection insurance
This is not actually a life insurance but often considered at the same time and frequently seen as an alternative, especially if you are self-employed. This type of policy can assist if you are unable to work due to injury or illness. A regular premium is paid and, if you are not able to work, it will pay out a predetermined amount of cover each month for as long as the period stipulated at the start.
Healthy pensions are at the heart of all financial planning, giving you the opportunity to make your own choice about when and how you retire. Our pensions experts can advise you when you start saving for your retirement, when you approach the age that you want to retire or should your circumstances change, helping ensure that you make the most of your investments.
YOUR MORTGAGE IS SECURED ON YOUR HOME, WHICH YOU COULD LOSE IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS. BE AWARE THAT INTEREST RATES MAY CHANGE SO ENSURE YOU CAN KEEP UP REPAYMENTS.
- Insurance & protection
- Pensions & retirement
We regulated by the Financial Conduct Authority and members of the Equity Release Council
All our advisers are CeMAP qualified.
Jonathan Bright DipPFS
Jonathan Bright, Rowan Frayling and Jacek Jaguszewski CeRER
All new clients are offered a free one consultation to discuss their current situation and look at their potential financial requirements. please quote mybump2baby when requesting a consultation.