JPMorgan Chase review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

JPMorgan Chase lends direct as JPMorgan Chase Bank, N.A., with a 30 fixed period at up to 97% loan to value, which suits borrowers who want a long fixed stretch. Its 6.99% and 7.189% sit above the site median of 4.9%, so cost is the trade-off you weigh.

Key facts

Best for
Borrowers after a long fixed mortgage period and a high maximum loan to value.
Initial rate
6.99% (Source, checked September 26, 2026)
APRC
7.189% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
97% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
JPMorgan Chase Bank, N.A. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
chase.com

Loans

Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Car, Secured, Business (Source, checked September 26, 2026)
Legal entity
JPMorgan Chase Bank, N.A. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXjpmorganchase.com

Pros and cons

Pros

  • A fixed period of 30 ranks at 3 on fixed period.
  • Maximum loan to value of 97% ranks at 45.
  • Covers purchase, remortgage and first time buyer, so purchase, remortgage, first-time buyer and home equity sit in one place.
  • Support runs on phone and help centre.

Cons

  • The initial rate of 6.99% is well above the site median of 4.35%.
  • An APRC of 7.189% compares with a site median of 4.9%, so total cost is high.
  • Support runs on phone and help centre only, with no branch or in-person channel listed.
JPMorgan Chase

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Buyers who want the full 30 fixed period rather than a short fix
  • Borrowers stretching to 97% maximum loan to value
  • Anyone taking out a car, secured or business loan from the same bank, since car, secured and business are covered

Who should look elsewhere

  • Price-first shoppers: Sofkredit lists initial rates of 8% to 14%, so the cost gap is wide.
  • Borrowers wanting a shorter fix than 30, where Creditilia ES starts at 4%.
  • Anyone chasing the cheapest headline rate, since Prestalo quotes 2.36%.

How JPMorgan Chase compares

Where JPMorgan Chase is available

Available
United States
Licence in United States
NMLS (399798), checked September 26, 2026
Licence in United States
FDIC, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does JPMorgan Chase offer on a new mortgage?+

The listed initial rate is 6.99%, and the APRC is 7.189%. That sits above the site median of 4.9%, so the headline cost is not the strongest part of this offer.

How long is the fixed period?+

The rate is fixed for 30, which is a long stretch compared with most listings. Fixed period ranks at 3 here, so borrowers who value certainty are the ones who gain.

How much can I borrow?+

Maximum loan to value is 97%, which ranks at 45 among the brands compared. That gives borrowers with a smaller deposit more room than the 90% site median.

What can I use the mortgage for?+

The stated purposes are purchase, remortgage and first time buyer, so purchase, remortgage, first-time-buyer and home-equity borrowing are all covered. Each of those sits in the same product range rather than needing a separate lender.

Does JPMorgan Chase lend outside the US?+

The legal entity is JPMorgan Chase Bank, N.A. and the headquarters country is US. Availability is tied to the US market, and the listed licences are US registrations, so borrowers elsewhere should check before applying.

Is the lender regulated?+

It is listed with the NMLS and the FDIC in the US. The lender kind is direct lender, meaning you deal with the bank itself rather than a broker or marketplace.

Can I get a car, secured or business loan too?+

Loan types include car, secured and business, so car, secured and business lending sit alongside the mortgage range. For borrowers who want one bank across several needs, that keeps the setup in one place.

How do I get help?+

Support runs on phone and help centre. Phone and a help centre cover most questions, and there is no listed chat or email channel, so a quick question can mean waiting for the phone line.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

JPMorgan Chase

JPMorgan Chase

Borrowers after a long fixed mortgage period and a high maximum loan to value.

8.8/10See alternatives

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