What we Offer
We provide bespoke advice to clients on all aspects of mortgage and protection using a wealth of extensive experience to offer you the most suitable products for your individual needs. .
About Us →
An experienced team of advisors with a wealth of knowledge. Our team benefits from having years of experience in banks and buildings societies. Between us we have worked at huge household names such as Halifax, Santander and Lloyds as well as smaller companies like Britannia Building Society, West Bromwich Building Society and the Coventry.
Frequently Asked Questions
How much can I borrow?
This very much depends on your income and expenditure . Long gone are the days of income multiples, lenders now use affordability calculators and this takes into account your current financial commitments such as loans, credit cards, car finance as well as every day expenditure such as gym membership, fuel costs and child care. Having a conversation with one of our advisors means we can work out what you can borrow and more importantly, can you afford it.
How much do you charge?
Our typical fee is £299 but ultimately depends on your individual circumstances. Before we proceed with an application you will be made aware of the fee and it is fully refundable if the mortgage does not proceed for any reason.
This is the only broker fee we charge but our service also includes: We arrange all the paperwork for you, speak to the lenders, solicitors and estate agents on your behalf, research and advise you on home insurance options, discuss protecting your mortgage and the importance of ensuring you can still pay your mortgage in the event of death or sickness. You will have your own advisor who is available at a time and day to suit you and you will have their mobile number to contact at your convenience.
What is the lowest rate you can get?
It is quite easy to quote you the lowest rate available but it doesn’t necessarily mean it is available to you. Lenders all have different criteria and it is our role to find you the most competitive or suitable product that is available and this can vary depending on deposit, credit profile, what you are going to use the property for.. too name just a few.
We have over 50 years of combined experience.
we can arrange an appointment to suit you, whether this be face to face, over the phone/Skype or via email
We will talk to you in plain English and not confuse you with financial jargon and legal terms.
Here’s what just some of our clients have said
I would just like to say how happy I am with the service offered by SJ Financial Solutions. Stuart has a wealth of Mortgage and Life Assurance knowledge which I have not found elsewhere. As such, I will always contact Stuart. Further to this, his after sales support team are friendly, professional and very approachable, it really is a winning team
“”I’ve used SJ Financial Solutions for every residential mortgage I’ve had over the years, buy to let and my own homes, they have been professional, swift and have always got the best deals even on some of the more complex purchases, I couldn’t recommend Stuart and his team enough.”
Rich and Debs Honick
I have dealt with SJ FS for over 10 years now, they have assisted me with my personal mortgage and buy to let arrangements on many occasions. They are both knowledgeable and attentive and I have no hesitation in referring clients of my own to them for mortgage advice
Neil Courier – IFA
I was struggling to get a mortgage as my credit rating was poor as I’d been living overseas. Stuart and his team were so helpful and managed to get me a mortgage so I could buy our family home. I would not have got this house without their expert help.
Providing a lifetime of mortgage and protection advice
Request a Call Back
Would you like to speak to one of our advisors over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.
For Businesses: Do you have questions about how Broker can help your company? Send us an email and we’ll get in touch shortly, or phone 0121 448 0161 between 09:00 and 17:00 Monday to Friday — we would be delighted to speak.