Julie was born and raised in Cheshire but moved to Dereham, Norfolk 20 years ago. She studied Law at the University of Hull. After completing her degree, she attended the College of Law in Chester where she successfully completed the Legal Practice Course.
She has two children, now grown up, and after spending a few years as a stay at home mum she decided it was time to get back into the world of work. Prior to her becoming a mortgage and insurance broker Julie worked as a compliance offer in a brokerage where she trained to become a fully qualified mortgage and insurance Adviser.
Julie also owns a successful Estate Planning and Will Writing business…
Julie has experience of dealing with numerous situations whether you’re looking to buy your first home, move house or even purchase an investment property.
Pro-Mortgages is an independent mortgage brokerage and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability. Julie Memmory and Pro-Mortgages are members of the Equity Release Council.
Pro-Mortgages is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. Our Financial Services Register number is 783699
Level Term Insurance
Whole of Life
Family Income Benefit
First time buyers - the house buying process can be daunting at the best of times, so as a first time buyer you are not alone. Before you even begin to look for a property, we can talk through your financial situation to see what loan you can afford. You could do this online yourself, but without the necessary knowledge needed, you may affect your ability to borrow without even realising it. Our mortgage brokers can talk you through the entire process from start to finish. Once you know what you can borrow you can begin looking for your new home. Once you have found it and had your offer accepted your adviser at Pro-Mortgages can then apply for your loan. Your adviser will walk you through the whole process from application to completion.
Moving home - Pro-Mortgages can help you all the way with your home move, relieving you of any stress and hassle. We offer a whole of market choice so we can decide what best meets your needs.
Re mortgage – you may wish to re mortgage for a number of reasons - you may want to secure a better interest rate, you may want to raise funds for home improvements. Whatever the reason, Pro-Mortgages listen to their clients and sources them the best mortgage deal for their circumstances. We will also contact you prior to your deal ending to ensure you don’t pay more for your mortgage deal than is needed.
Buy to let - whether you have just one buy to let property or a whole portfolio we can help source you the right deal. If you have an existing buy to let or are interested in purchasing one, contact Pro-Mortgages today to ensure you get the best deal for you.
Shared ownership - This is a way of part owning and part renting a home and is designed for people who can’t afford to buy a home outright. With this scheme you own a percentage of the property which you will take out a mortgage for. The remaining share is owned by the local Housing Association to which you will pay rent. Pro-Mortgages know which lenders offer shared ownership schemes and we will endeavour to get you the best rate. These schemes offer you the option to buy extra shares in the property as and when you can afford it. Call Pro-Mortgages today to discuss the options.
Equity release & Lifetime Mortgages – these are aimed at the older individual who may be facing a pension shortfall or may need some funds for an unexpected expense. They may wish to provide a lump sum for a relative to get on to the housing ladder. Equity can be released from the property in order for these to be done. Pro- Mortgages is a member of the Equity Release Council.
Right to buy - if you live and pay rent for a council owned home you may have the right to buy it from the council at a discounted rate. In this instance a right to buy mortgage should be a consideration. Call Pro-Mortgages to discuss your options.
Term Assurance is the most common type of life insurance. It provides cover for a fixed term, set at outset, and pays out a lump sum on death. On a joint policy it usually pays out on the first death and then ceases. The life insurance policy can be a level policy which pays a set amount helping those who are dependent upon you, to ensure they are left financially sound.
It could alternatively be on a decreasing basis, most commonly to cover a mortgage that reduces over a term. The decreasing policy is generally cheaper as the amount it pays out reduces as you get older and are more at risk. You can also add Critical Illness cover to your life insurance so that if you are diagnosed with a critical illness during your policy term you will be covered. Life insurances can also pay out an income instead of a lump sum, this is explained in the Family Income Benefit section of this website. We are able to offer life protection from a selection of leading providers meaning this cover is not only cost effective but also allows us to build a policy that suits you.
Whole of life Insurance - Life insurance can also be arranged on a whole of life basis, which does not have a defined term, and will cover the insured for their whole life, for as long as premiums are maintained. Call us at Pro-Mortgages for more information.
Family Income Benefit - this type of life insurance provides the benefit of a regular tax free income. So if one of the main salaries in the household was to suddenly stop due to death of an individual, this insurance would provide a regular monthly income.
Income Protection - This is an insurance policy that pays out if you’re unable to work due to injury or illness .It will usually pays out until retirement, death or your return to work. Payments made are based on a percentage of your earnings and are tax free. These policies only pay out once a pre-agreed period has passed, which can range from 1 - 12 months after a claim is put in, the longer you can defer these payments the lower the premiums will be. Speak to Pro-Mortgages to find out more about the benefits of Income Protection Insurance.
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Julie Memmory t/a Pro-Mortgages is authorised and regulated by the Financial Conduct Authority.