Jack Wellstead - CGC Mortgages

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Jack Wellstead - CGC Mortgages Approved by The Openwork Partnership on 15/09/2026

Your income helps pay for much more than your mortgage. 🛡️Bills, food, childcare and everyday living costs still need to...
25/10/2026

Your income helps pay for much more than your mortgage. 🛡️

Bills, food, childcare and everyday living costs still need to be covered if illness or injury leaves you unable to work.

Income protection is designed to provide a regular income if you're unable to work due to certain illnesses or injuries, subject to the terms of the policy.

đź“© If you'd like to understand how income protection works, get in touch.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

Already have financial commitments? đźš—đź’łMonthly repayments for loans, credit cards, car finance and other borrowing may be...
21/10/2026

Already have financial commitments? đźš—đź’ł

Monthly repayments for loans, credit cards, car finance and other borrowing may be taken into account when a lender assesses how much you could afford to borrow.

That doesn't automatically mean you can't get a mortgage - it simply forms part of the wider affordability assessment.

đź“© A conversation before you apply can help you understand where you currently stand.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

Taking on a mortgage is often one of the largest financial commitments you'll make.Life insurance can provide a financia...
16/10/2026

Taking on a mortgage is often one of the largest financial commitments you'll make.

Life insurance can provide a financial payout if the person covered dies during the policy term, helping provide financial support for those left behind.
The amount and type of cover you may need will depend on your individual circumstances.

🛡️ We can discuss protection alongside your mortgage and explain the options available.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

Your credit history is one of the areas a lender may review when considering a mortgage application. đź’łIt can show how yo...
13/10/2026

Your credit history is one of the areas a lender may review when considering a mortgage application. đź’ł

It can show how you've managed borrowing and repayments in the past, but lenders have their own criteria and assessment processes.

If you're concerned about something appearing on your credit file, it can be helpful to discuss it with a mortgage adviser before submitting applications.

đź“© Speak to us about your circumstances and the options that may be available.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

Two people earning the same salary won't necessarily be able to borrow the same amount.Lenders may consider regular expe...
11/10/2026

Two people earning the same salary won't necessarily be able to borrow the same amount.

Lenders may consider regular expenditure and financial commitments alongside your income when assessing affordability.

This could include loans, credit cards, childcare costs and other ongoing commitments.

Getting an idea of your affordability early can help you understand what borrowing may be available before you start viewing properties.

đź“© Planning a move? Let's talk through the numbers.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

It’s natural to focus on getting your mortgage agreed, but it’s also worth thinking about what would happen if your circ...
08/10/2026

It’s natural to focus on getting your mortgage agreed, but it’s also worth thinking about what would happen if your circumstances unexpectedly changed. 🏡

Could your household continue meeting the mortgage payments if illness, injury or loss of income affected your finances?

Protection options can be discussed alongside your mortgage so you can understand what may be suitable for your circumstances.

🛡️ Get in touch to talk through your mortgage and protection needs.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

When assessing a mortgage application, lenders don't just consider how much you earn.They may also look at where your in...
06/10/2026

When assessing a mortgage application, lenders don't just consider how much you earn.

They may also look at where your income comes from, your employment history and whether your earnings include things such as overtime, commission, bonuses or self-employed income.

Different lenders can assess income in different ways, which is where mortgage advice can help.

đź“© Speak to us about your circumstances before starting your application.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

It’s one of the biggest questions people have before starting a mortgage application: “Will I get approved?” 🏡There isn’...
03/10/2026

It’s one of the biggest questions people have before starting a mortgage application: “Will I get approved?” 🏡

There isn’t one single factor that determines the answer. Lenders may look at your income, employment, monthly commitments, credit history, deposit and overall affordability.

Understanding your position before applying can help you feel more prepared for the process.

đź“© If you're thinking about buying in Cambridge, get in touch to discuss your circumstances.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

🏡 Reaching completion and collecting the keys can feel like the end of the mortgage journey but it is also worth thinkin...
30/09/2026

🏡 Reaching completion and collecting the keys can feel like the end of the mortgage journey but it is also worth thinking about how you would protect your new home and the people who rely on you.

Life insurance, critical illness cover and income protection could provide financial support if illness, injury or death affected your household income, subject to the terms and conditions of the policy.

Protection should be considered based on your circumstances, responsibilities and existing cover.

đź“© Get in touch to discuss your mortgage and protection needs.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

⏳ Every mortgage journey is different, and timescales can depend on the lender, how quickly documents are provided, the ...
25/09/2026

⏳ Every mortgage journey is different, and timescales can depend on the lender, how quickly documents are provided, the property chain and the legal work involved.

Once your mortgage offer is in place, your solicitor or conveyancer will guide you towards exchanging contracts and agreeing a completion date. Exchange is when the purchase generally becomes legally binding, while completion is when the funds are transferred and you can usually collect the keys. 🔑

A mortgage adviser can help explain each stage, liaise with the lender and keep you updated throughout the process.

đź“© Get in touch for support with your mortgage journey.



CGC Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 22/07/2026

Address

Hills Road
Cambridge
CB21GE

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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