Just Mortgages
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Just Mortgages
At Just Mortgages we know that it's not just about mortgages: we offer a service dedicated to your needs and requirements. Your journey should be one of simplicity, choice and expertise. We aim to provide the ultimate mortgage services experience by delivering the highest standards. Your Just Mortgages Adviser will assist you throughout the home buying, moving or remortgage process to ensure you receive the right guidance and advice.

We provide a level of service that cannot be obtained directly from the lender or comparison site. We offer mortgage advice from a comprehensive panel of lenders and have access to some exclusive and semi exclusive mortgage deals. We liaise with the lender, valuer, estate agent and solicitor to ensure deadlines are met.
Services
Just Mortgages is a member of the Spicerhaart family. Established in 1989, Spicerhaart is one of the UK's most innovative estate agency groups, combining the largest independent residential sales and residential lettings branch network with a rapidly growing mortgage and protection services and legal business.
With a complex choice of mortgage schemes, lenders and ways to apply quite often people are unsure of where to start. We understand it can be a complicated process, but our mortgage advisers know the market inside out and will be happy to answer any questions you have. Please feel free to call us or request an appointment and let us assist you in making the right decision.
Buying your first property can be both exciting and daunting, there are important decisions to make and criteria to be considered before you take your first steps onto the property ladder. Your Just Mortgages Adviser will assist you throughout the home buying process to ensure you receive the right guidance and advice.
At Just Mortgages we believe your journey should be one of simplicity, choice and expertise. Whether you are selling for the first time or an experienced home mover we offer a service dedicated to your needs and requirements. We understand that there are many considerations to make before you commit to selling your home and moving on; we are here to help you every step of the way.
Equity release plans are available for homeowners aged 55 and over to release the tax-free cash tied up within your home. By opting for an equity release plan, you do not need to move out of your home, and depending on the plan you opt for, there are a variety of repayment options.

Your adviser will explore your current circumstances to determine the amount of money you may be able to release, taking into consideration the value and age of your property.Just Mortgages have dedicated professional advisers on hand who can provide clear information and guidance on what Equity Release options are available to you, giving recommendations and planning for your next steps.
Reviews (10)
Andreas Kounnis
Andreas Kounnis
Dec 14, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Chris Naya is very professional, efficient and always responds to his clients queries.
He turns things around very quickly.
Highly recommended.
Jordan Fletcher
Jordan Fletcher
Dec 08, 2021
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I'm an estate agent that works for a different company to this that has it's own mortgage services set up, I would still only ever use Chris. His product knowledge is incredible. But the best thing about him is that he never comes across as a typical 'suit', he's just a really top guy. Thanks a lot Chris for putting up with my incessant phone calls and texts at all times of the day and never making me feel like a nuisance.
Esther Lala
Esther Lala
Dec 05, 2021
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Just Mortgages is the best Financial Broker I’ve ever come across. They are very helpful in getting the right mortgage that suit your needs and right for your financial situation. They give you good advice and about clearing your debts and other financial commitments that you have. They are very responsive to any query you may have. I will recommend anyone to speak to them first before you try any other broker. But I can bet that you won’t need another broker after you’ve tried them.
Cosmin C.
Cosmin C.
Dec 04, 2021
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I have tried to buy my first flat two times with different mortgage advisers but no success. Third time a friend recommend me Chris Naya from Just Mortgages Colchester and all his support and advices got me in my new flat. Recommended to everyone with full confidence.
Rebecca Mcgowan
Rebecca Mcgowan
Dec 04, 2021
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Positive: Professionalism, Responsiveness
One word - fantastic! The whole process with Chris has been first class, from the fist communication, right through to the application, Chris managed to secure us a mortgage in no time at all and got us a great deal. If anyone is looking for a broker, seriously Chris is your man! Cant recommend him enough.
B. A.
B. A.
Nov 23, 2021
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Positive: Professionalism, Responsiveness
@Chris Naya: Highly experienced mortgage broker. He really knows his stuff when it comes to buy-to-let mortgages. He has been really helpful in sorting out my mortgages and insurances. I would highly recommend him 100%.
- Ben A.
Elizabeth Harrison
Elizabeth Harrison
Nov 18, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Cheryl Damen has just helped me with my re-mortgage and I can't thank her enough. Fantastic, prompt service and she was more than happy to answer any silly questions I had. Would highly recommend to anyone looking for friendly mortgage advice!
Christine Harrison
Christine Harrison
Oct 30, 2021
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Cheryl Damen at Just Mortgages Wivenhoe was absolutely brilliant. I can't express how wonderful and helpful she was more highly. If anyone was needing a mortgage you will be in very safe hands with Cheryl. I will be recommending her to friends and family for sure. Chris Harrison.
Steve Newland
Steve Newland
Oct 19, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Cheryl and her mortgage advice was the one stress-free element of buying a house. She was able to save us a lot of money and provide good advice on what we were looking for. Always professional, but equally friendly, she was always responsive and we cannot recommend her highly enough.
Matthew Sparrow
Matthew Sparrow
Sep 16, 2021
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Cheryl provided a very quick and comprehensive service. Having purchased a property that wasn't straightforward to mortgage she identified some very good deals for us. Then when our property was delayed by a month she notified us that there had been a rate drop and reapplied for us saving more money before we completed.
I would recommend Cheryl to anyone moving/buying a property.