Real people. straightforward advice. mortgage experts who work for you.

How much can I afford
Jigsaw Images (1)
Gurantee (2)

Rate match guarantee

You won't find a better deal anywhere else and if you do we will pay the difference!

Behind every mortgage application, every strategy call, and every bit of advice we give, there’s a real person on your side.

At Jigsaw, we’re a small, experienced team of independent mortgage and protection specialists who take the time to understand you, not just your paperwork. We’re self-employed professionals ourselves, which means we understand how important trust, clarity, and good communication really are, especially when you’re making a big financial decision.

Calculation-of-things
Finalising-the-house

Who we are

Jigsaw was founded by James Phipps in 2001 with one simple mission to offer mortgage advice that puts people first. After years working in an estate agency, James saw how rushed and impersonal mortgage advice had become, and how often clients were left to figure things out alone.

Today, that original mission still shapes everything we do keep the process personal, protect your interests like they’re our own, and make mortgages and protection feel simpler, not more stressful.

Meet your advisers

James Phipps

Managing director & senior mortgage adviser

James is the founder of Jigsaw and has over 30 years’ experience in property, mortgages and estate agency. He’s helped thousands of clients secure the right mortgage, especially those with complex income or unusual circumstances. James is known for his no-nonsense clarity, attention to detail, and ability to explain things that banks and brokers often overcomplicate.

Wayne Young

Mortgage partner

Description to be filled

Collette Waugh

Mortgage partner

Description to be filled

Tracey Phipps

Protection specialist

Description to be filled

Let’s have a chat

We’d love to hear your story and help you plan your next steps. Whether you’re just starting to explore your options or you’ve got a specific mortgage in mind, the best way to start is with a conversation.

Get in touch today to book a free, no-obligation appointment with a member of our team.

We’ll help you connect the right pieces, so you can move forward with clarity and confidence.

How can we help you?

Rate match

Know your budget

Get a quick estimate of your buying power based on your income and budget.

How much can I afford
Papers

Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

I need a mortgage in principal
House savings

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Calculate my mortgage

Find out what you can afford in minutes

Understanding what you can realistically afford is the first step toward a stress-free homebuying journey. Our affordability tool gives you a quick and accurate estimate of how much you may be able to borrow based on your income, expenses, and deposit.

It’s completely free to use, doesn’t affect your credit score, and takes just a couple of minutes. Whether you’re a first-time buyer, moving up the ladder, or simply exploring your options, our tool can help you plan with confidence and avoid unwanted surprises later.

How much can I afford
Jigsaw Mockup