About Us

CALL US TODAY ! 01923 232111

About Us

  • PJ Mortgages (UK) Ltd are directly authorised by the Financial Conduct Authority.
  • We give individual advice tailored to your exact needs.
  • We’re free to recommend products from the whole of market – unlike some other advisers.

Who we are

Our advisers have a wealth of experience, specialising in mortgages, investments, pensions and life assurance.

How we work

You can have a complete financial makeover, or we can concentrate on just one area. Either way, we'll give you a comprehensive interview to understand your needs - and how we can best help

Meet The Team

Paul Johnson CertPFS - Director and Financial Adviser

Paul began his career in Financial Services with Legal & General in 1990. In 1995 Paul became a Sales Manager with Legal & General managing a team of Financial Advisers, together with his own client bank. In 1996 Paul established PJ Mortgages in Watford, remaining as a Financial Adviser with Legal & General. Paul recognised that the financial world was changing and that he would be able to offer a more comprehensive service to his clients under an “independent” banner. Therefore in 1999 Paul became an Independent Financial Adviser. In 2011 PJ Mortgages (UK) Ltd became directly authorised under the Financial Services Authority. Paul and his team at PJ Mortgages (UK) Ltd continue to ensure all clients receive a professional and quality service at all times. Paul was born in Watford and has lived in the Watford area all his life. He is married with three children.

Clive Higgins - Mortgage & Protection Adviser

Clive has been in Financial Services for 22 years starting his career with Legal & General Financial Consultancy Services in 1991. Clive joined the team at PJ Mortgages (UK) Ltd in 2003. Clive became a Member of The Personal Finance Society by Diploma in 2012. Clive lives locally in Croxley Green with his wife Julie and their three sons.

Gary Holmes - Mortgage and Protection Adviser

Bio coming soon.......

Mark Downes DipPFS - Financial Adviser

Mark has worked within Financial Services for 23 years, joining PJ Mortgages (UK) Ltd in 2002. Mark specialises in Pension and Retirement Planning.

Contact Information

PJ Mortgages (UK) Limited

354 St Albans Road,

Watford WD24 6PQ

Phone: 01923 232111

My pension fund has grown by 10.8% since February. Thank you for looking after my pension fund so well. I look forward to enjoying the benefits soon. Pip Buist

My pension fund has grown by 10.8% since February. Thank you for looking after my pension fund so well. I look forward to enjoying the benefits soon. Pip Buist

Thanks for reviewing my pension and giving me advice on what pension I should go for. I will have no hesitation using your services in the future and will be pleased to recommend you. T Clark, Watford

Thanks for the help you gave my wife and I on investing a lump sum which gave us a very positive outcome that will be pleased to recommend you to whoever we know or meet.” R Vickers, Watford

Thank you for your professional and efficient service in sourcing the right mortgage provider for me - I wish more businesses would follow PJ Mortgages (UK) Ltd model. F Benenson, Finchley

Thanks for all your help and hard work and attention to detail. You have worked diligently and kept me up to date and explained everything to me. S Mann, Dunstable