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About Emma Jones

When The Bank Says No are here to guide you every step of the way to reach your mortgage goal.

Who is Emma Jones?

Emma began her career in Lloyds Banking Group, first in the unsecured & secured loans department at Halifax and later as a mortgage advisor at Lloyds. During 9 years in these roles and a further 2 years at Yorkshire Building Society, Emma was able to observe the impact of the recession, and how the banks let their customers down by denying loans and mortgages. Wanting to be a driving force for change, she stepped into a market advice role where she has been able to help clients when others couldn’t. Identifying a gap in the mortgage space, Emma went on to establish When the Bank Says No. As a keen property investor, she has been the focus of features in publications including The Sunday Times and This is Money. Emma’s greatest joy is overcoming the low expectations of their customers, many of whom have all but given up on getting a mortgage due. One thing Emma has learned through her own personal struggles is every client must be treated like a human and understood better by advisors and lenders in the industry. “We all have to navigate life events which can ultimately impact your financial status. It shouldn’t mean dreams of homeownership or business growth should have the breaks applied”. Emma and her team’s passion for helping people overcome the challenges they may face when applying for a mortgage have fuelled the success of When the Bank Says No.
Unpacking in new home

Articles & Features

What Mortgage awards 2025

When The Bank Says No has been highly commended in two categories at the what MORTGAGE Awards 2025 in both the Best Broker Website and...

Mortgage broker deal

When The Bank Says No has been announced as the first firm to join the inaugural Habito Accelerator programme that aims to help support and...

buy to let mortgage lending criteria

Investing in a buy-to-let property to generate rental income is a huge and exciting step for many landlords and potential first-time landlords, being an opportunity...

what mortgage schemes are available to key workers

Mortgage schemes make homeownership more accessible, especially for our struggling key workforce. However, with the Key Worker Living (KWL) Programme ending in 2019, what mortgage...

Renting First Home

First-time buyers will usually opt for a smaller property at first just to get on the property ladder as a starting point. But what happens...

how long should i fix my mortgage term for

With a fixed-rate mortgage, your interest rate stays the same for a set period. That means even if interest rates fluctuate during that time (whether...

mortgage after an agreement in principle

An agreement in principle (AIP) is, as the name implies, a non-binding statement from a mortgage lender that outlines roughly how much they’d be willing...

should i get my house revalued before remortgaging

Remortgaging may seem costly and a bit inconvenient to arrange. Yet, it can be a strategic move that’ll save you thousands of pounds by reducing...

salary percentage

Knowing how much you can afford when it comes to your mortgage payments starts with knowing your salary and how much salary should go towards...

mortgage equity
For those looking to get on the housing ladder, Help to Buy: Shared Ownership can be a suitable option. Effectively a combination of buying and...