Oliver Bailey Just mortgages

Oliver Bailey Just mortgages - St Albans Broker | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Oliver Bailey Just mortgages

At Oliver Bailey Just Mortgages, I focus on guiding clients through the often complex world of mortgage financing. Based in Welwyn Garden City and serving the broader St Albans area, I specialise in several key areas, including adverse credit scenarios, buy-to-let investments, and first-time buyers. My approach is grounded in a thorough understanding of the mortgage landscape, which allows me to provide informed advice tailored to the unique circumstances of each client. Navigating adverse credit can be daunting, but I work diligently to identify suitable mortgage options for those who may have faced financial challenges in the past. With a firm grasp of the lending criteria of various institutions, I can help clients uncover opportunities they might not have considered otherwise. For first-time buyers, I understand that purchasing a home is often one of the most significant decisions in life. I take the time to explain the Help to Buy scheme and other government initiatives that can assist in making homeownership more accessible. My aim is to empower clients with knowledge, enabling them to make confident decisions as they embark on this exciting journey. Buy-to-let mortgages are another area of expertise. I assist investors in navigating the specific requirements of buy-to-let financing, helping to analyse potential yields and understand the responsibilities tied to property investment. This ensures that my clients are well-prepared for the challenges of the rental market. When it comes to remortgaging, I provide insights into when it makes sense to switch lenders or adjust mortgage terms. By evaluating existing agreements and exploring new options, I help clients to maximise their financial position and reduce monthly outgoings. In all my interactions, I prioritise clear communication and transparency. I believe that understanding the mortgage process is essential for my clients, so I strive to demystify every step, from initial consultation to completion.

Specialisations

Adverse CreditBuy-to-Let

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(14 reviews)

Rachelle Castillo

24 Mar 2024

Oliver has been our mortgage broker since 2020 and we cannot thank him enough for being so helpful, efficient and just someone who we can easily contact and trust. We used him with our first purchase and just recently with remortgaging and each time, the process has been smooth and straightforward. We are extremely happy with Oliver and his work and we highly recommend him! Thank you Oliver for all your help! :)

David Cockram

31 Jan 2024

Oliver has been dealing with our mortgage for the last few years now and each time it’s been due for renewal the process has been carried out swiftly and efficiently, it’s been made so easy for us and Oliver is always easily contactable should we need to ask any questions. Would recommend Oliver to anyone in need of help with their mortgage.

Silviu Aluculesei

23 Jan 2024

Oliver has been our mortgage broker for the past 9 years. He is dealing with all matters professionally, always punctual for the meetings and prompt in replying to any risen queries. We have bought 2 properties so far and will not hesitate to contact the company in the future. The charges are realistic and affordable. Based on the experience we had so far we highly recommend OJB Mortgage Solutions .

Max Heanue

28 Jul 2022

Oliver could not have been more efficient, helpful and friendly throughout the home buying process. He gave clear and understandable advice on our different options and made recommendations which we're very happy with. He was also very accommodating and flexible with home visits outside of our working hours which made things far easier. We strongly recommend using Oliver as your mortgage broker - we'll certainly use him again the future.

Marti Farfalov

5 Oct 2021

As first time buyers, we walked in our meeting with Oliver with close to no idea if we would even be able to get a mortgage and he talked us through the whole process and provided us with a perfect estimate of what we could expect to get. Oliver was regularly in touch for updates and always available for help and advice from start to finish. Honestly amazing service and will definitely be back again. Would definitely recommend!