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Emma Jones

Managing Director
Whenthebanksaysno.co.uk
When The Bank Says No is a team of professional mortgage and insurance brokers, dedicated to helping our clients achieve the finance they need to buy their home. Founded by our parent company Alder Rose Mortgage Services Ltd, we were born out of a desire to support people – no matter the complexity of their situation. Instead of sending more challenging cases to other brokers where we had no control over their experience, we wanted to be there for everyone – every time.
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Address

Oak House, Beechwood, Runcorn WA7 3EH, UK

Media Pack / Portfolio

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Media Coverage

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The Sunday Times

How to make a fortune flipping property

For most of us moving house is an exhausting, stressful and, thankfully, infrequent experience. But Emma Jones is not like most of us.Over the past decade Emma

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Sky News

The most common reasons mortgage applications are rejected

Getting a mortgage application rejected can feel like you have no chance of becoming a homeowner.

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Daily Express

Mortgage expert explains 'common reason' for rejection and what to do next

It can be devastating if you've found your dream home

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The Times

'A false parking fine cost me a mortgage’

Having a country court judgment against him after fraudsters cloned his number plates left Eren Mehmet struggling to get a loan. His case is far from unusual

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Daily Express

Nationwide and Halifax changes as customers face ‘uncertainty’

Experts have given a summary of how things stand

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AOL.com

New alert to 100,000 people in England and Wales as ‘affordability drops overnight’

Experts have explained the major impact such a life event can have when it comes to money

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Daily Express

New alert to 100,000 people as ‘affordability drops overnight’

Experts have explained the major impact such a life event can have when it comes to money

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Daily Mirror

Everything to know as Santander confirms extra cost for UK customers

Santander followed Halifax earlier this week

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Daily Express

Santander customers hit with extra costs warning 24 hours after Halifax change

The bank has announced certain terms are changing.

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Daily Express

UK mortgage borrowers told ‘lock in as soon as possible’

Renewed tensions could mean the road remains bumpy, experts say

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Thisismoney

Two more lenders hike mortgage rates ahead of Bank of England interest rate decision on Thursday

More lenders have pushed up their mortgage rates ahead of the Bank of England's interest rate decision on Thursday.

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AOL.com

UK Santander customers told of new extra cost after Monday Halifax announcement

Experts have explained that it is ‘where the market is heading’

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Daily Mirror

UK Santander customers told of new extra cost after Halifax update

Experts have explained that it is ‘where the market is heading’

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Daily Express

Brits warned of one ‘relatively minor mistake’ causing mortgage ‘nightmare’

The mistake can end up costing mortgage holders ‘thousands of pounds extra’ in interest payments.

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Daily Mirror

Unpaid parking fines ‘can mean losing home’ as record numbers issued

Experts have explained how a seemingly minor issue can spiral into a major problem

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Daily Mirror

‘I was rejected for three mortgages because of parking fines’

It might seem minor, but can have troublesome knock-on effects

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Daily Express

Nationwide announces new rule for customers ‘from today’

Sounds helpful, but don’t get carried away

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The Independent

Mortgage rates fall at fastest pace in almost two years – but experts issue warning

The ceasefire in the Middle East pushed rates to drop – but the reverse could happen if hostilities ramp up

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Daily Mirror

New concern for borrowers looking for new mortgage amid latest Iran war flare-up

A wave of mortgage lenders have trimmed the cost of new fixed rate deals over the past month but fresh tensions in the Middle East throw further cuts into doubt

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Cambridgeshire Live

Barclays update as borrowers told to ‘sharpen their pencils’

Barclays has new details for customers

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Cambridgeshire Live

Barclays update as borrowers told to ‘sharpen their pencils’

Barclays has new details for customers

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Daily Express

Barclays brings ‘good news’ update for borrowers

Finally, a tiny bit of relief

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Daily Mirror

Important Monday update for anyone taking out a UK mortgage

Mortgage brokers and property experts have hailed Trump’s Middle East peace deal, but also issued a note of caution

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Daily Star

‘I’m a broker and people with low credit can still get mortgages’

In fact it can help to improve your score, she said

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Daily Mirror

‘I’m a broker and people with low credit can still get mortgages’

In fact it can help to improve your score, she said

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Daily Mirror

People with mortgage deals ending soon ‘should act now’

Continued global tensions mean nothing is set in stone

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Chronicle Live

Halifax ‘positive’ move after new Nationwide update

It’s a mixed and changing picture

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Cambridgeshire Live

Halifax ‘positive’ move after new Nationwide update

It’s a mixed and changing picture

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Daily Express

Halifax announces change for customers as Nationwide issues update

Feels like a brief breather, not a turning point

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Wales Online

Halifax ‘positive’ move after new Nationwide update

It’s a mixed and changing picture

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Yorkshire Live

Nationwide, Virgin, NatWest customers among those told ‘be quick’

Anyone looking to lock in a deal is being urged to do it quickly

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Daily Mirror

‘May 21’ alert for customers after Nationwide, Virgin make changes

Experts warn things could be about to change again

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Daily Star

‘May 21’ alert for customers after Nationwide, Virgin make changes

Experts warn things could be about to change again

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Daily Express

Nationwide, Santander, NatWest customers among those given ‘May 21’ alert

Lenders including Nationwide, Virgin Money and NatWest have been making changes in recent weeks

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What Mortgage

Mortgage rate cuts: Which lenders reduced prices this week?

Nationwide, NatWest and Virgin are among the lenders to have cut mortgage rates this week but borrowers are being warned these price reductions may not last.

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Hackney Gazette

Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decision

Nationwide has cut mortgage rates by up to 0.36, with its lowest deal now at 4.35, as members await news on another £100 Fairer Share payment.

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Reading Chronicle

Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decision

Nationwide has cut mortgage rates by up to 0.36, with its lowest deal now at 4.35, as members await news on another £100 Fairer Share payment.

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Hexham Courant

Nationwide cuts mortgage rates ahead of £100 Fairer Share payment decision

Nationwide has cut mortgage rates by up to 0.36, with its lowest deal now at 4.35, as members await news on another £100 Fairer Share payment.

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Thisismoney

Nationwide slashes mortgage rates to offer cheapest two-year deal on the market

Britain's biggest building society is slashing mortgage rates and will now offer the cheapest fixed deal on the market.

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