Jo Vijay – Our Trusted Mortgage Advisor
We know buying a home can be an overwhelming and difficult process. Finding a home can be tricky, arranging the mortgage can only serve to add to the stress.
That’s why we are proud to have Jo as our expert mortgage advisor here at Kelvin Francis.
Trust is vital when it comes to choosing a mortgage advisor. Jo has over ten years of experience in financial management, with her background focusing on wealth management and mortgage advice. She is a member of the Chartered Insurance Institute and is fully approved and regulated by the Financial Conduct Authority to advise, and arrange, regulated mortgage contracts.
She has helped countless first-time buyers, property investors and those who are looking to remortgage, make the best decisions.
Also, as a member of the Chartered Insurance Institute, you can be rest assured you are getting guidance from someone who knows the industry inside out. Jo is fully committed to delivering the best advice for your property goals.
Jo understands the mortgage process can be overwhelming, especially for first-time buyers and families. This is why she focuses on clarity, trust and getting to know your circumstances in order to deliver the best advice and recommendations.
Whether you’re looking for the best rates, need help with the mortgage application process, or just want straightforward advice, Jo is here at the Kelvin Francis offices, to help.
“The home buying process can be so overwhelming, so I’m here to take the stress away and navigate you through the process, step by step”.
Why Choose Kelvin Francis for Mortgage Advice
Whole of Market Representation
Jo is an independent mortgage advisor working in the offices at Kelvin Francis Estate Agents. This means she is not tied to specific lenders. You can be rest assured that your options will not be limited to a specific panel of lenders, instead, you will have access to representative of the whole market.
Exclusive Deals to Get the Best Rates
With her years of experience in the mortgage industry, Jo is well connected and can access exclusive rates that are cheaper than going direct. With access to a wide range of lenders, from high street banks to building societies and specialist lenders, she works hard to get the best deals for you.
Independent and Tailored Advice
Her approach is simple. She listens to your circumstances and goals to understand which rates will be best for you now and in the future. By speaking with Jo, you may realise that:
- You could get a cheaper deal than initially thought.
- Obtaining a mortgage you didn’t think was possible.
- Borrow more and get a better rate than expected.
Who We Can Help?
First Time Buyers
Do you need help buying your first property? Jo can help navigate you through the entire process. Getting on the property ladder can be a challenge in today’s market, working with an experienced advisor with access to the best opportunities can help secure your first property. Whether it is via a bank or building society, Jo can guide you in the right direction.
Give Jo a call today and get on the path to owning your first home.
Buy to Let Mortgages
Are you thinking about starting your property investment journey or looking to expand your current portfolio? No matter if you are a first-time landlord or an experienced investor, Jo will guide you through the process, ensuring you find a mortgage that suits your financial goals.
Kelvin Francis are here to make the whole process simple. From arranging viewings to finalising tenancy agreements, we take care of everything. Our dedicated team will keep you updated, resolve any issues and ensure a smooth tenancy agreement.
Book a consultation today and take the next step in your investment journey with confidence.
Remortgaging and New Mortgages
Whether you’re remortgaging or looking for a new mortgage, finding the right deal can save you money. If your fixed rate is ending, you may be in a position to get a better interest rate and reduce your monthly payments. Alternatively, if you are moving home, Jo can help you find the best rates from new lenders or help you port your current mortgage, making the application process stress free.
Speak to Jo today and begin your mortgage consultation.
Mortgage Advice for Cardiff Homebuyers
Getting mortgage advice from a local expert makes all the difference. Cardiff’s property market is unique and having someone who understands it inside out can save you time, stress, and money. Jo knows the area, the lenders, and the best deals available.
Cardiff has its own mortgage challenges. House prices vary widely across different areas, and demand can be high. Some lenders have stricter criteria for certain postcodes. If you’re self-employed or a first-time buyer, it can feel even trickier.
Whether you’re buying in Lisvane, Cyncoed, or elsewhere in Cardiff, she can guide you through the process with advice tailored to Cardiff’s market.
Looking for the right mortgage and a team that makes home-buying easier? Find out more about why choosing Kelvin Francis can make all the difference.
How to Contact Our Cardiff Mortgage Advisor
Getting in touch with Jo is easy! Simply send her an email @ or give her a call on to schedule your first appointment. She offers telephone or online meetings for convenience, or if you prefer face-to-face advice, you can meet her at our Cyncoed office or our newly refurbished Lisvane office.