I was recommended to JustMortgages by my Estate Agent. It was 13th of March when I got my offer accepted on a new build (ready to move). I asked the EA if we could be fast as I had hopes to beat the stamp duty deadline and they said it might be possible if I went with "their guys". The initial process was ok, although I was annoyed that they were overselling insurance when I clearly had coverage from my employer benefits. Nevertheless, the problems started happening on their interactions with the lender (HSBC) on my behalf. The lender never approved my application and keep asking for additional documents because they didn't like the wording on my employment contract (which is a standard American multinational contract). Even though I appealed many times, JM took the lender's side and said I would have the same issue with any lenders. In the end, after wasting almost 3 weeks, I decided to go on my own and get a mortgage directly with a lender. To my surprise, I had my offer approved in less than a week, no questions asked about the contract. Also I got a better rate than HSBC / JM were offering, which makes me both happy and mad, as if I got this approved in less than a week, I could have beaten the stamp duty deadline without JM in the way. I've requested my money back, but they are being as efficient at refunding me as they were at getting my mortgage approved. Huge disappointment. Lesson learned: go directly to the lenders!
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