Jo Farrell - Mortgage Adviser

Since 2018, I have worked as a mortgage adviser at Chesterton Grant. The most rewarding aspect of my role is assisting clients in achieving their property aspirations. I maintain continuous relationships with my clients, guiding them throughout their mortgage journeys. I am always available to provide support and assistance during what can be a challenging process for many individuals.

How can we help
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Whole of market, independent, fee free mortgages

When looking for a mortgage solution, it’s important that you have the confidence you’ve made the right decision in getting the best possible rate and product for your needs. With access to independent advice our brokers can explore the whole of the marketplace on your behalf to enable you to secure the best possible deal without the need to spend potentially £100s on unnecessary broker related fees. 

Absolutely no broker fees

Getting the right advice for your mortgage can at times prove stressful enough without the added financial burden of having to pay for it. Fee-free brokers offer mortgage advice without charging clients directly as, like all brokers, are paid a commission from lenders when your mortgage completes. This arrangement enables you to access professional advice and recommendation without any cost commitment with your mortgage adviser. At Chesterton Grant Mortgages, you can be assured that our entire mortgage advice service will cost you nothing.

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HOW CAN WE HELP
07881 028856
J.FARRELL@CHESTERTONGRANT.CO.UK
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Re-mortgage – a win-win opportunity 

Remortgaging can be used to obtain a better deal, or simply a way of releasing some of the equity held in your property. You can potentially secure an offer up to 6 months before your current mortgage deal comes to an end, although nearer the time of completion (up to1 month before) should market conditions have changed in your favour, we will again advise you of your best options.

Access to whole of market for competitive deals

With the ability to access the whole of market, your mortgage advisor can find the most suitable mortgage deal that meets with your current needs and circumstances from the hundreds of possible options available in the marketplace. You can be confident that from the wide choice on offer in the marketplace, your mortgage deal is the most suitable and cost-effective solution for your unique situation. 

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Fully independent mortgage advice

When a mortgage advisor has no affiliations to any specific lenders, prioritising your interests can be put first. You advisor can find you the best mortgage options to meet your current needs & circumstances. When a Mortgage Advisor is tied to a specific pool of lenders, it can restrict which mortgage products they offer you as they have a limited market to choose from. 

Your mortgage

The team at Chesterton Grant can help source a wide range of mortgages:

        1.  Residential Mortgages

        2.  Remortgages

        3.  First Time Buyers

        4.  Home Movers

        5.  Employed or Self Employed

        6.  Help to Buy/ New Build

        7.  Buy to Let

        8.  Second Charge Loans

        9.  And more……


‘As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments’


‘Some types of buy to let mortgages are not regulated by the Financial Conduct Authority’

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  • What are the benefits of using a broker who can access whole of market when getting a mortgage

    Using a broker with access to the whole market offers numerous advantages when securing a mortgage. Brokers can provide impartial advice, ensuring you find the most suitable deal tailored to your unique financial circumstances. With access to a wide range of lenders and products they can offer more options than traditional banks, potentially leading to better terms and lower rates. Additionally, brokers can navigate complex mortgage processes, saving you time and hassle while guiding you through every step of the journey to homeownership. Ultimately, working with a broker who has access to the whole marketplace can increase your chances of finding the most suitable  mortgage solution to meet your needs and circumstances.

  • What does being ‘independent’ actually mean?

    Being an independent mortgage broker means not being tied to any specific lender or financial institution. Instead, independent brokers have the freedom to search the whole of the market for potential mortgage products, ensuring that clients receive impartial advice and access to a wide range of options. This independence allows brokers to prioritise the client's best interests, offering tailored solutions that meet their unique needs and financial goals. By remaining unbiased and transparent, independent brokers provide clients with peace of mind, knowing they are receiving unbiased guidance to secure the most suitable mortgage deal available.

  • How is it possible to get fee-free mortgage advice?

    Fee-free mortgage advice is possible when working with brokers who only earn commission from lenders rather than those that earn a combination of both commission from the lenders and who charge clients directly. These brokers, often termed as "fee-free" or "commission-based," offer their expertise without additional advice costs being levied on to the borrower. 

    By leveraging their relationships with lenders, they can secure competitive deals while ensuring clients receive unbiased guidance and advice tailored to their needs. This approach allows borrowers to access professional mortgage advice without worrying about additional advice fees adding to the overall cost.

Navigating a complex financial landscape

In the face of currently escalating living costs and interest rates, Chesterton Grant Mortgage can help you navigate the complex financial landscape. Our mortgage team can both research and identify tailored solutions to help alleviate your stress without compromise. With careful analysis and a holistic approach, our advisors help facilitate a smoother path towards obtaining a mortgage.

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 Always contactable and flexible but also solve any problems encountered along the way.

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“Worked with Joanne for years now. Always friendly and very helpful. Thanks”

Chris Ramsden

“I’ve used Joanne at Chesterton and Grant for every mortgage I’ve ever had and I can’t compliment her enough. She makes the whole process smooth from start to finish and is very good at explaining all the information I need. I wouldn’t be able to do it without her. I’ve recommended her to all my friends and family and will never use anyone else. She had the perfect amount of professionalism and empathy. Thanks Jo”

Jennifer Newell

“I am so grateful to have had someone like Jo to navigate me swiftly and clearly through the mortgage world. Her honesty and efficiency has made a real difference to my experience. I spent years sorting things out on my own before I turned to her for help and it's the best thing I could have done.”

Natalie Calderbank

“Joanne Farell our mortgage adviser at Chesterton Grant is outstanding. She has been supporting us for many years now with remortgages and purchases and her knowledge, expertise & service is first class. She is always on hand to answer any questions or concerns, and everything is always completed efficiently with no hassle. Our current house buying process has not been a simple one having 2 purchases fall through but she has made the process very seamless and got everything amended accordingly and always ensures we have the best deal on the market. I would highly recommend Joanne for any mortgage and protection related needs you will be in very safe hands.”

Neil Whiteside

"Great experience using Chesterton Grant. Big thank you to Joanne Farrell who helped me get a mortgage on a property that I was buying on my own. She made a daunting task easy and stress free! I would definitely recommend Jo & Chesterton Grant."

Natalie D

"We just want to say a massive thank you to Jo Farrell from CGM. Our remortgage application was handled very efficiently and quickly in 28 days from our first enquiry to the completion date. Jo was always there to answer and resolve any queries or questions we had. Her advice was invaluable and we will definitely be in touch in 2 years when our fixed rate is up! :))"

Donna Rawson

"Can’t fault Jo Farrel at Chesterton Grant. No fee and by far the best service I’ve had from previous advisers. Prompt response, friendly and very thorough. Thanks Jo!"

Ben Mason

"Joanne was so helpful and efficient arranging our mortgage, I wouldn’t ever use anyone else. A brilliant service, we felt very reassured every step of the way and things were explained in a way we understood. Highly recommend."

Elizabeth McColgan

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