Mortgages

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.

What is a Mortgage?

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?

  • Green mortgage

  • Self build mortgage

  • Buy to let mortgage

  • Let to buy mortgage

  • Remortgage

  • First time buyer

  • To name just a few....

And why should things such as the following be important to you or more importantly, the lender..
  • Service charge
  • Ground rent
  • Construction
  • Number of floors in the building
  • Is there a lift
  • Who will the tenant be
  • Leasehold
  • Flying freehold
  • EPC rating
  • Length of self employment..
  • Again, to name just a few..

 

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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 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.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying a New Home: How Our Advisors Can Help

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.

Mortgage Advice: Guidance Every Step of the Way

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Reviewing Your Insurance Options: Protecting What Matters

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.

Why Choose Us: Benefits of Working with Our Team

Personalised Attention

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.

Available Options

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.

Tailored Protection

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.

Get in Touch

Get in touch with us today to arrange an appointment with one of our experienced advisors. Whether it's a face-to-face meeting, a simple phone call or a virtual appointment, we can arrange whatever is convenient to you.

Summing Up

You don’t need the services of a mortgage broker to buy a property, but it helps. It’s a complex market out there, with many lenders, hundreds of options and loads of variations, so why not let us take all that hassle of your hands.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently Asked Questions

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

What Our Customers Say

SJ Mortgage Solutions Ltd is a company registered in England and Wales with company number 06008117. Registered Office: Offices 7 & 8, 8 Ladybank, Holloway, Tamworth, England, B79 7NB
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The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore tageted at consumers based in the UK.
SJ Mortgage Solutions Ltd trading as SJ Financial Solutions, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £149 to £750 and this will be discussed and agreed with you at the earliest opportunity.
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