Whether it’s purchasing a new home, navigating mortgage options, or considering insurance, the choices can be overwhelming. That’s where our team of advisors step in to offer tailored solutions and peace of mind.
Mortgages can mean many things to many people. Well in short, a mortgage is…..
‘A mortgage is kind of loan you can use to help you buy property. The average mortgage lasts for 25 years – although they can range from six months to 40 years – during which you’ll make monthly repayments. It’s secured against your home, which means you may lose your home if you can’t keep up with the repayments’.
Or at least it is according to Experian. But aside from it being a loan secured against a home. What options are there and what do terms such as the following mean?
And why should things such as the following be important to you or more importantly, the lender..
Well, that’s were we come in. As established brokers with loads of experience, our role is to find you a mortgage. Yes, we will ask lots of questions, as we need to get to know you, your plans for the now and for the future.
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.
Navigating the property and mortgage market can be daunting, especially if you have never done it before, or perhaps brought your current property some time ago. Our team can advise you on what happens and when, what you can borrow, how much it will cost and is it even possible.
Securing a mortgage is a significant milestone in the property process. Our role is to assist so that you can purchase your dream home and that it is affordable now and in the future, regardless of what life throws at you.
Insurance is a huge part of the home buying process, and solicitors may not let you exchange contracts without certain cover in place. Our advisors conduct comprehensive reviews of your existing cover, identify gaps, and recommend cover that could provide optimal protection for you and your loved ones.
At SJ Financial Solutions, our expert advisors will not only help you find the best possible mortgage, but we will also help you protect it. We know that everyone’s needs are different and that’s why we take a consultative approach by fully understanding your requirements in order to help you get the best possible insurance deal.
Our team of advisors can discuss and explain all of the options available to you, explaining the differences, and recommending the most suitable product for your circumstances.
We get to know your needs so that we can build a tailored protection package to suit you and your budget, providing you with the essential cover that you and your family may one day need.
Mortgage Brokers such as ourselves not only provide a personal service around your situation, but we are also reviewing the huge number of mortgage products available with an increasing number of lenders. Gone are the days when a lender has only 3 or 4 mortgage rates available. Many lenders have different lengths of fixed rate available, and then this rate depends on how much deposit you have and then once you have decided which length of fixed rate and how much deposit, the rate can then vary depending on much the specific rate fees are.
Our team distinguishes itself through a combination of experience, expertise, and a really getting to know you approach. With over 100 years of combined experience and a commitment to personalised service, we go above and beyond to help our clients' and assist them in getting their needs met with the utmost care and attention to detail.
While it's not mandatory to work with a mortgage advisor, we feel expertise can significantly streamline the homebuying process and save you time and money in the long run. Whilst you may have to wait a number of days for a formal mortgage appointment with a bank or building society, we would like to think that if you made an enquiry, an advisor could speak to you the same day and if not, certainly the following.
In short, yes, It is crucial to us to understand how you plan to maintain your mortgage payments in the event of you losing an income. Fantastic that once you have purchased your property you will still have ££££ in savings, but unfortunately that is not true for many. Ensuring you can still maintain your mortgage payment with no income is part of what we do and making sure you are aware of the implications of not having such cover in place.
Arranging an appointment is team. Simply give us a call, or complete our website contact form, and we'll arrange a meeting at a time that's convenient for you. Whether you prefer a face to face appointment, a phone call or a virtual appointment, let us know and we can arrange some convenient for you.
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.
