PJK Associates Ltd is an FCA-regulated mortgage broker based in Surrey Heath, GU15 2PP, specialising in Buy-to-Let, First Time Buyers, Holiday Lets and 3 other areas. Rated 5/5 from 285 reviews.
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Meet our experienced team of mortgage professionals
J L
2 Mar 2026I would not hesitate to recommend Matthew Honey wood at PJK associates to anyone. He is an concise, forward talking communicator, and knows his field inside out/ with years of experience. With his expertise, he has carefully helped me with a ltd buy to let mortgage and will be using him for my future personal mortgages/ future property investments. Thank you Matthew!
Kevin Lopez
4 Feb 2026Led by Matthew, we had a great experience arranging our mortgage with PJK Associates. From the initial consultation through to a detailed review of the options to secure a market-leading rate, the whole process was smooth, clear and highly professional. Everything was explained in a way we could easily understand, we were kept informed at every stage and we felt confident throughout. Very happy to recommend — a well-deserved 5-star service. ⭐⭐⭐⭐⭐
randy nonan
14 Jan 2026This is our second time using PJK, and once again we had a great experience.Matthew has been an excellent mortgage adviser kind, professional, and always happy to explain everything clearly. He made the whole process smooth and stress-free, and we felt well supported from start to finish. We truly appreciate his help and would highly recommend Matthew to anyone looking for reliable mortgage advice.
Kam Sham
23 Dec 2025PJK Associates were incredibly helpful in guiding me through the entire process of buying my home. As a first-time buyer, the process felt overwhelming at times, but Matthew was outstanding from start to finish. He explained everything clearly, kept me informed at every stage, and was always available to answer questions, no matter how small. His professionalism, knowledge, and patience made the whole experience much smoother and far less stressful. I’d also like to thank Peter, who helped at the beginning of the process and set everything up in a clear and supportive way. I highly recommend PJK Associates to anyone looking for a reliable and supportive mortgage broker. They truly go above and beyond for their clients.
Gianluigi Rossi
11 Dec 2025PJK Associates provided excellent support in helping us secure a loan for the purchase of our flat. They were professional, efficient, and very easy to work with. In particular, James Moyle was outstanding — always available when needed, quick to respond, and extremely knowledgeable throughout the entire process. His guidance made everything smooth and stress-free. I highly recommend James and the team at PJK Associates and I would not hesitate to use them again in the future.
No memberships listed.
Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
A complete guide to buy-to-let tax in 2026 — covering Section 24 mortgage interest relief restrictions, capital gains tax, allowable expenses, and tax-efficient structures.
Step-by-step guide for first-time landlords on getting a buy-to-let mortgage, from deposit requirements and rental yield calculations to lender criteria and stress tests.
Understand how lenders stress-test buy-to-let mortgage applications, including interest coverage ratios, pay-rate calculations, and how to improve your chances of approval.
Delve into the recent decrease in UK mortgage rates for limited company buy-to-let deals, its impact on the market, and future predictions for 2025.
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