About JLW Financial Management Ltd

Hi, I'm Phil - and if there's one thing I've learned over the years, it's that financial decisions feel a lot easier when you've got someone in your corner who genuinely cares. Mortgages, protection, later-life lending... they can all feel a bit overwhelming, but they don't have to. My role is to make everything clearer, calmer, and far less stressful.

I chose this career because I've always believed that good advice should feel personal. Not rushed. Not full of jargon. Just honest conversations and guidance that actually makes sense for you and your family. As a dad myself, I understand how important it is to feel secure, supported, and confident when making decisions that affect the people you love. That's why I take the time to listen, explain things in a down-to-earth way, and make sure you never feel like you're navigating things alone.

One of the biggest advantages I bring is access to the whole of the market. I'm not tied to a single lender or a small panel - I can search widely to find options that genuinely fit your needs, your goals, and your comfort level. It means more choice, more flexibility, and more confidence in the decisions you make.

Whether you're buying your first home, reviewing your protection, or exploring later-life options, you'll always get advice that's friendly, straightforward, and tailored to what matters most to you.

Mortgages

Repayment, Interest Only, Fixed, Discounted, Tracker?

The list of options seems endless, and it can often prove difficult or confusing for borrowers when trying to reach the right conclusions.

This is where a competent & experienced Mortgage Adviser can help smooth the path to finding the right solution for you.

We use sophisticated mortgage sourcing products, combined with a full appreciation of our clients requirements and current market conditions. We provide mortgage solutions from the whole of the market. This includes both 'Intermediary' and 'direct to lender' deals.

We provide Mortgage advice
on the following:

  • Purchases
  • Remortgages
  • First Time Buyers
  • Buy to Let

Risk Warnings

Residential Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE

Buy to Let Mortgages

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority

Equity Release

Equity Release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55.

You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.

We provide Equity Release advice
on the following:

  • Lifetime Mortgages
  • Home Reversion

Risk Warnings

Equity Release

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

Protection

If you have anyone financially dependent on you, such as a partner, sibling, children or even an aging parent, then Life Insurance is for you. People take out life insurance policies to ensure that, if they die, their loved ones are looked after. Life insurance can help with paying off debts, household bills, childcare costs and account for your mortgage payments.

We have access to large range of providers offering Defaqto 5-star rated cover.

We provide Protection advice
on the following:

  • Life Assurance
  • Critical Illness Cover
  • Permanent Health Insurance
  • Private Medical Insurance

Contact Form

Contact Permission

We take your privacy seriously and we will only use your personal information entered above to respond to the contact request you are sending to us.

However, from time to time we would like to contact you with details of other services and offers we provide. We would also like to contact you with news updates. If you consent to us contacting you for these purposes please select Yes on the Contact Form below, to confirm your agreement.

Yes please, I'd like to hear about your offers and services.

Contact Information

JLW Financial Management Ltd
138 Queensway
Heald Green
Cheadle
SK8 3HQ

Mobile : 07742 692890

Email : Please use the Contact Form

Regulatory Statements

Complaints Procedure

As an Appointed Representative of New Leaf Distribution Limited, we aim to provide you with a high standard of service. If you are unhappy with any aspect of our service, please let us know.

How to complain:
Email: complaints@newleafgroup.co.uk
Write to: New Leaf Distribution Ltd, 165 - 167 High Street, Rayleigh, Essex SS6 7QA
Call: 01702 431130

We will acknowledge your complaint promptly and aim to resolve it within 8 weeks.

If you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service (FOS):

Website: www.financial-ombudsman.org.uk
Phone: 0800 023 4567
Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Note: As an Appointed Representative, complaints are handled in accordance with New Leaf Distribution Limited's procedures, which are FCA-compliant.

JLW Financial Management Ltd is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority : FCA number 460421
Registered Office : 1st Floor, Princess Caroline House, 1 High Street, Southend on Sea, Essex, SS1 1JE.

This website is aimed at UK residents only.