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Providing a lifetime of mortgage and protection advice

About Us >>
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Providing a lifetime of mortgage and protection advice

About Us >>
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Friendly advisers in Birmingham

Mortgages >>
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Offering you Mortgage &
Insurance Advice

Insurances >>
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Mortgage Advice & Financial Advisors in Birmingham

With over 50 years of combined experience, we are a leading team of financial advisors and mortgage brokers in Birmingham. Our team of expert mortgage advisors benefits from having years of experience in banks and building societies. Whether you are looking to buy a new home, in need of mortgage advice, or would like to review your insurance options, our financial and mortgage advisors can offer you tailored advice on various aspects and tell you what’s possible. Get in touch with us today and see what our mortgage advisors can do for you.

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Mortgage Services


The world of mortgages can be a daunting place and it can be difficult to know where to start.

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  →


With the recent developments surrounding COVID-19, we would like to reassure you that we are committed to ensuring the well-being of our clients, business partners and staff. We are adhering to the guidance set out by the government and at this moment in time do not see any reason why this will affect the service you have come to expect from us.

As many of you may know, we have invested heavily in new technology over the last 12 months and this means that we can still advise on and arrange mortgages, life insurance and home insurance even if you prefer not to be seen in person.

For those of you who have appointments with us over the coming weeks, just let us know if you would rather have the appointment over the phone or via Skype. This is something we do on a regular basis so is easily arranged.

If you are considering of reviewing your mortgage or life cover or do have any questions or queries, please do not hesitate to get in touch with one of the team on 0121 448 0161 or enquiries@sjfinancialsolutions.co.uk.


About Us

We’re an experienced team of mortgage advisors and mortgage brokers in Birmingham with a wealth of knowledge. Our team benefits have 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 everyday expenditure such as gym membership, fuel costs, and child care. Having a conversation with one of our financial advisors means we can work out what you can borrow and more importantly, can you afford it.

How much do you charge?

There may be a fee for mortgage advice. The amount will be determined upon your individual circumstances, depending on what product or service you need.

Before we proceed with an application you will be made aware of the fee. It is fully refundable if the mortgage does not proceed for any reason.

The fee includes: Our mortgage brokers arranging all of the paperwork for you, speaking 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 be assigned your own personal mortgage advisor who will be available at a time to suit you to help you start your mortgage journey with us. They will be on hand until you need them, you’ll be given their details so that you’re able to contact them at your own convenience should you have any questions.

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 our mortgage brokers will find you the most competitive or suitable product that is available. This can vary depending on various factors, and just to name a few, it can depend on the deposit, your credit profile, and what you are going to use the property for.


Why Choose Us?


We have over 50 years of combined experience.


We can arrange an appointment to suit you, whether this is face to face, over the phone/Skype or via email.

Straight talking

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

Mr Hunt

Mortgage & Life Insurance

“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.”

Rich and Debs Honick


“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.”

Neil Courier – IFA


“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.”

R Townsend

Mortgage & Life Insurance

“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.”

Ian, Louise and Family


“We just wanted to say what a great help you’ve been during our recent house move. You and your team have helped us get the right product for us with genuinely very little hassle. You made the whole, potentially daunting experience seem really simple and explained each process really well. We came with the plan of getting advice about our mortgage, but you helped us save hundreds of pounds off our various insurances too. Thank you so much.”

S Brown


“We appreciate the professionalism of SJ Financial Solutions and the customer service too. SJFS have assisted a number of our clients over the years and continue to do so. Thank you.”



“I just thought I would drop you a note to say that both Charlotte and Deb have been absolutely brilliant throughout this whole process and are an absolute credit to your business.”

Richard & Ranjit


“Stuart has recently provided advice on our remortgage, and made the transition to the new provider seamless and hassle free.  His market knowledge is excellent, both in terms of products available and legislation we should be aware of.
Our current deal changes again in 2 years and I’ll be sure to get back in touch to see how Stuart can help us again.  Top work – thanks.

Clare O’Callaghan


“Amazing company so easy to sort all your financial needs. Great work and staff are so helpful would not use any other company.”

Colin Duffield


“Getting a re-mortgage to completion always has its twists and turns starting with getting the best deal in the first place – especially if (like everyone else) life and circumstances are a little complicated. Then when processing things to completion you need some support when you’ve got a million and one other balls in the air – these guys hit home on both counts. Solid financial advice with a no nonsense product to sign up to and help whenever I needed it. well done every on – good quality service.”

Ashley Nicholls


“Deb & her team were unbelievable in turning around our re-mortgage ASAP. Always available whenever we needed them & so knowledgeable. If only all businesses could operate in such a prompt & professional way.”

Vanessa Anness


“So helpful, not afraid of a challenge (12 story ex-local council block above a Chinese shop) and respond quickly to changes. Thank you so much Deb Wale, I wouldn’t be in my new house without you.”

Louise Engers


“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.”

Steve Sanders


“The service SJ Financial Solutions provided was very friendly and hassle free. I would highly recommend you to anyone looking for a new mortgage and will be in touch in a couple of years’ time when our fixed mortgage term comes to an end.”

Suzy Elsey


“Would absolutely recommend Deb and the team. SJ Financial Solutions initially dealt with my first purchase. We have since done a remortgage. The team here are absolutely faultless.

Thank you!”

Providing a lifetime of mortgage and protection advice

Request a Call Back

Would you like to speak to one of our mortgage 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 our mortgage brokers can help your company? Send us an email and our mortgage brokers will get in touch shortly, or phone 0121 448 0161 between 09:00 and 18:00 on Monday to Friday. We would be delighted to speak.

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