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Your home, our priority:
Next Chapter Mortgages, personalised solutions for your next step.

Purchasing a property can be difficult. After all, there are several standards, stages, and tasks, and you might be concerned about making a costly error.

We're here to breakdown what to expect from the actual buying process, as well as advice to make life easier after you buy your first house, in an effort to demystify the process and ensure that you get the most out of your purchase.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Or call us at
07863 993 139
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Who we are

Next Chapter Mortgages provide personalised mortgage, protection and insurance advice. Next Chapter Mortgages is a trading name of Just Mortgages Direct Limited, and is the name under which we carry out these services.

We are part of Just Mortgages Direct Limited, who are an appointed representative of The Openwork Partnership, a trading style of Openwork Limited.

The Openwork Partnership is one of the UK's largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives throughout the UK.

Here at Next Chapter Mortgages, we will get to know your individual circumstances, establish what your goals are and what the right mortgage and protection arrangements are for you.

First Time Buyer

We Can Help

Finding your first house is no easy endeavour, especially if you also need to acquire a mortgage. But how can getting your first mortgage and buying your first house be made simpler? We can help you source your own first mortgage if you want to get your foot on the housing ladder.

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Home Mover

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Looking to Buy a New Home?

We can assist you if you want to move or are looking to buy a new house. We will conduct a thorough analysis of your financial situation, inform you of the maximum amount you are eligible to borrow, and recommend a deal that is suitable for your needs. Additionally, we will arrange a free agreement in principle, providing you peace of mind when making that crucial offer. To ensure that you have the necessary funds to buy your dream property, we will illustrate all estimated costs.

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Reasons to Remortgage

It is very wise to review your mortgage near the conclusion of any initial discount period since you might be eligible for a mortgage with a lower interest rate or one that is more suited to your needs. Many financially responsible people decide to switch their mortgage to one with a better rate or more flexible terms, whether it's with the same lender or a different one. Remortgaging includes getting a new loan on property you already own, so weigh the benefits and drawbacks carefully before determining if it's a good option for you.

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Buy To Let

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Giving You a Wider Perspective

There are a few things to think about before committing if this is your first time purchasing a home with the intention of renting it out. These range from investigating the rental market as a whole, learning about prospective neighbourhoods, and locating the right mortgage deal. We can ease this process and possibly put buy-to-let within your reach.

We can assist you in growing and diversifying your rental portfolio once you've gained some expertise with what buy-to-let implies. We'll constantly try to provide you the wider picture because more buy-to-let market activity entails higher financial instability. Additionally, we will take into account your future goals before advising you because your financial and life plans are inextricably linked.

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Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Equity Release

Expanding Your Financial Horizons

We understand that the world of equity release may initially appear complex, especially if you're new to it. Our aim is to provide clarity and guidance every step of the way. equity release can offer financial flexibility, but it requires careful consideration, particularly if it's your first experience with this financial tool. Our team is dedicated to ensuring that you have the information and support you need to make well-informed decisions that align with your unique financial and lifestyle goals.

A lifetime mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries.

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You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone. This is a referral service.


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Realise The Importance of Protection

Most of us have at least heard of the destruction that may follow illness or death. You're shrewd enough to understand that the correct safeguards can prevent a tragedy or misfortune from turning into a significant financial catastrophe. And you are aware that having a solid coverage with a reputed insurer is necessary for this.

There are many pre-packaged insurance options available, but they can be pricey or, worse still, leave you vulnerable when you most need their protection. Always, we will adjust our advice to fit both your particular needs and your budget.

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Buildings and Contents Insurance

Not Just For Disasters

You value your house a lot. We want to return there at the end of the day because it is a safe haven and the heart of the family. Therefore, it must be worthwhile to safeguard that with buildings and contents insurance, or, as it is more formally termed, house insurance.

The problem is that you can question your need for it and perhaps regret having to pay for it. That is, until something goes wrong and you realise how fortunate you were to have taken precautions to protect yourself.

In order to assist you understand the coverage you require, we will explain the two very dissimilar forms of insurance that together make up house insurance.

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