Founded by Sebastian Murphy and Rory Joseph in 2002, JLM remains independently run and adviser led.
With over 30 years of experience across the mortgage, equity release, protection, and wealth advisory landscape, our Directors provide a deep, strategic understanding of the intermediary market, combined with hands-on expertise in compliance, governance, and business transformation.
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Our Directors extensive sector experience and leadership roles allow them to critically assess and guide policies that strongly advocate for good consumer outcomes, ensuring that product design, advice frameworks, and distribution models meet the evolving needs of client.
In addition to their leadership duties, they have remained closely connected to client advice, continuing to work with consumers in both mortgage and equity release markets. This keeps their perspective grounded and ensures they remain responsive to the evolving challenges advisers and their clients face.
Their involvement in a broader range of financial services reinforces the importance of offering truly holistic advice across the financial lifecycle. From first-time buyers through to complex later-life planning, their collective advisory background covers income strategy, retirement planning, inheritance and tax planning, care needs, and estate preservation.
And unlike other networks, our senior team is just a phone call away.
— Jonathan Murphy, RI, JLM Mortgage Services
Sebastian Murphy and Rory Joseph regularly contribute expert commentary to leading trade publications including Mortgage Solutions, Financial Reporter, The Intermediary, and Mortgage Strategy.
JLM Directors contribute to the intermediary industry through various panel memberships and chairing roles. These experiences enable them to engage with diverse stakeholders and bring constructive challenge to discussions around regulatory change, professional standards, and product innovation.
Applying a collaborative approach to draw on a range of industry insights and ensure the network delivers balanced, progressive frameworks to its members, that are grounded in market realities.
Our Directors speak out on broker rights, lender transparency, and regulatory challenges — always with the adviser’s best interests in mind.
JLM Mortgage Network Limited Registered Office: 21a Churchyard, Hitchin, Hertfordshire SG5 1HP. Registered company number 4701803. Registered in England and Wales JLM Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. FCA No. 300629. You can check this on the FCA’s Register by visiting the website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.