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[alt_text]( Why buy during winter? Buying a house during the winter months can be daunting to some, and majority avoid it at all costs. However, there are many positives to buying a house around Christmas time, especially for first time buyers, including the flexibility on house prices and a higher level of availability. This, alongside recent news of the government extending the mortgage guarantee scheme for first time buyers means that this winter could be your time to secure your first home. [Learn More→]( Thank you for a great 2022! We would like to wish you all a Merry Christmas and Happy New Year from the team at [Just Mortgage Brokers]( and thank you for your continued support throughout 2022! Here are our revised opening hours over the Christmas and New Year period: Saturday 24th Closed Monday 26th and Tuesday 27th Closed for bank holiday Wednesday 28th to Friday 30th Open 9am to 3 pm Saturday 31st Closed Monday 2nd Jan Closed for bank holiday Tuesday 3rd Jan Back to usual hours Use our free mortgage calculators below − no credit checks! alt_text [Mortgage Affordability calculator]( Complete your income details to give yourselves an idea of how much you may be able to borrow. alt_text [Shared Ownership calculator →]( Complete your income details below to give yourselves an idea how much you may be able to borrow with a shared ownership mortgage. alt_text [Bad Credit mortgage calculator]( Don't let a history of bad credit hold you back. See whether you qualify for a bad credit mortgage. [More calculators →]( [alt_text] Mortgage Affordability Visit our mortgage affordability page to learn more about mortgages and what you may be able to afford. It contains useful links and articles which can help aid you in buying your first, or next home. [Mortgage Affordability →]( Blog post First-time buyers could benefit from housing market changes Recent announcements by the government have caused some confusion in the UK housing market and among potential buyers. Especially those taking the plunge for the first time. First-time buyers, in particular, could benefit from taking advantage of Stamp Duty cuts that will now end in 2025. [Read post →]( Blog post The Advantages and Disadvantages of a Bad Credit Mortgage Finding yourself in the situation of having to consider a bad credit mortgage can be a difficult place to be, not knowing if you should proceed down this path or not. With this in mind we have put some helpful pros and cons of these types of loans to hopefully assist in your decision. [Read post →]( Moving house, or buying a new property? [Visit our website →]( [alt_text]( [alt_text]( [alt_text]( [01473 356 284](tel:01473356284) [justmortgagebrokers.co.uk]( Just Mortgage Brokers Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Just Mortgage Brokers Limited. Registered Company number: 08389911. Registered office: 80 Compare Crescent, Ipswich, IP2 0EH. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. DECEMBER 2022 [Unsubscribe](#) This email was sent to {EMAIL} [why did I get this?]( [unsubscribe from this list]( [update subscription preferences]( Just Mortgage Brokers · Unit 2/3 Friars Courtyard · 30-32 Princes Street · Ipswich, suffolk IP1 1RJ · United Kingdom