Our mortgage advisor Joy Bowden has 40 years knowledge and experience in the mortgages and financial services sectors and is CEFA, CEMAP and CERER qualified. Joy provides expert impartial advice, helping you to choose the most suitable mortgage or insurance protection product for your needs. We cut through all the jargon and find a tailored solution to suit you. ​ Mortgages with Joy Limited pride ourselves on giving our customers the personal touch. We work around your needs, take you through every step of the process and even complete your paperwork for you, to make everything as stress-free as possible - so you don’t have to worry about a thing!