JP Mortgages is an independent whole-of-market mortgage broker founded by John-Phillips, who has more than three decades of experience. The firm has established relationships with hundreds of lenders, from high-street banks to specialist providers, giving it access to thousands of mortgage products JP Mortgages works quickly to secure decisions in principle, often within 24 hours, and specialises in helping borrowers who have failed automated decision systems by finding lenders willing to consider their circumstances The team provides a fast, efficient and personal service and can arrange residential, buy-to-let, HMO, limited-company, remortgage, right-to-buy and adverse-credit mortgages, as well as equity release They also arrange bridging and secured loans, property and commercial finance, life cover and buildings and contents insurance, and they have access to exclusive products not available directly to the public Initial consultations are free and the firm reminds borrowers that their home may be repossessed if they do not keep up repayments.