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“Joy made everything stress free by keeping everything simple & explaining clearly what I needed to know.”

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15 Years

We’re celebrating 15 years of bringing Joy to our customers

This year we are celebrating 15 years of Mortgages with Joy. That means 15 years of happy customers from the ‘Happy home of mortgages’, but sadly all great things must come to an end.

Having spent the last 47 years in Financial Services and advising on mortgages and protection for the past 27 years it is with a heavy heart that I write it is now time for me to retire and concentrate on my family. Over this time, I have had the privilege of getting to know many of you personally advising across two generations helping families onto the property ladder and assisting with your financial affairs.

It is very important to me that all my clients continue to have a trusted point of contact for any mortgage or protection queries you may have. Therefore, with effect from 31st of January 2026, Mortgages with Joy Ltd is no longer providing any financial advice or services to new clients.

I have built up a strong connection with another Mortgage & Protection Adviser who will be looking after my existing clients on a referral basis & should you wish to talk to Charlotte from CCC Mortgages please contact her directly on , 01271 603699, 07872 924051 or charlotte@cccmortgages.co.uk

From the bottom of my heart thank you for being a valued customer and making mortgages with Joy what it is today. The business will cease trading from the 31st of March 2026.

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A mortgage is a loan against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.  

The Financial Conduct Authority does not regulate commercial mortgages and most forms of buy to let mortgage.

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Just a few of our happy customers

“5 Star Service !

Thank you for servicing our needs so efficiently Joy for the last 10 years!

9th July 2020.”

 

"Joy you were sent from the Heavens !

5th February 2019"

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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

 

Mortgages With Joy Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’swebsite www.fca.org.uk/firms/systems-reporting/register.

Our Financial Services Register number is 1001653.

If you wish to register a complaint please write to Joy@mortgageswithjoy.co.uk or phone 01271 324720. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

 

Mortgages With Joy Limited is registered in England and Wales under company number 07664448. Registered office address: 47 Boutport Street, Barnstaple, Devon, EX31 1SQ. Phone: 01271 324720.

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