Finding the right mortgage means more than comparing interest rates on a website. With thousands of products across hundreds of lenders, each with different criteria and quirks, getting proper advice makes a real difference.
SJ Financial Solutions provides whole-of-market mortgage advice to clients across Birmingham and the West Midlands.
First-Time Buyers
Buying your first home is exciting and daunting. We guide you through the process, explain everything clearly, and find mortgages suited to your situation. We help with:
Home Movers
Moving house means new mortgage decisions. Porting existing mortgages, additional borrowing, different property types – we handle the complications.
Remortgaging
Your current rate ending? Now’s the time to review options. We find better deals and manage the switch, often with minimal paperwork.
Buy-to-Let
Investment property mortgages have different rules. We work with landlords from first-time investors to portfolio owners, finding appropriate lenders for each situation.
Complex Situations
Self-employed income, credit issues, unusual properties, complex ownership – straightforward applications are easy. We add value when circumstances are complicated.
Initial Conversation
We discuss your situation, requirements, and any concerns. This takes about 30 minutes and costs nothing.
Research and Recommendation
We search the market, analyse options, and recommend suitable products. We explain why they suit your situation.
Application
We submit your application and chase progress. We troubleshoot issues before they become problems.
Completion
We coordinate with solicitors and estate agents to keep everything on track. You complete on time.
Ongoing Support
We stay in touch. When your rate expires or circumstances change, we’re here to help again.
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 our advisors can help your company? Send Amanda an email and she will get in touch or phone 0121 448 0161 between 09:00 and 17:00 on Monday to Friday and she will be delighted to have a chat with you.
Note: Your details are kept strictly confidential as per our Privacy Policy. A link to this can be found in the footer. By submitting your information you agree that you have read this and that you agree to its contents.
We search across the entire market - major banks, building societies, specialist lenders, and those who don't deal directly with the public. More options mean better chances of finding the right mortgage.
Each lender assesses applications differently. We know which lenders suit which circumstances - saving time and avoiding damaging declined applications.
We handle paperwork, chase lenders, and solve problems that arise. You deal with one person who knows your case, not a call centre.
We contact you before your rate expires. We're here when circumstances change. We're not just processing a transaction.
We pride ourselves in working with our customers as transparently and honestly as possible, so if you have any questions then please don’t hesitate to contact us and we’ll be happy to answer any queries that you may have. Simply click the button below to submit a contact form or ring either our Birmingham office on 0121 448 0161 or our Tamworth office on 01827 230 760.
