The world of mortgages can be a daunting place and it can be difficult to know where to start. At SJ Financial Solutions, we have an experienced team of mortgage advisors and mortgage brokers who are here to support you through every step of the mortgaging process and provide bespoke mortgage advice.
We know that mortgages can be confusing and that is why we are determined to make your experience as easy as possible. We will sit down and explain the home buying process, work out how much you can borrow and how much it will cost so you can go away and start looking for a property. If needed we can provide an agreement in principle (sometimes known as a mortgage promise or decision in principle) so you can confirm to the estate agent you are a serious buyer and can proceed with a property, should you find one.
We know that mortgages can be confusing and that is why we are determined to make your experience as easy as possible. We will sit down and explain the home buying process, work out how much you can borrow and how much it will cost so you can go away and start looking for a property. If needed we can provide an agreement in principle (sometimes known as a mortgage promise or decision in principle) so you can confirm to the estate agent you are a serious buyer and can proceed with a property, should you find one.
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.
Mortgage rates are constantly changing and the types of rate offered varies from lender to lender. Terms such as fixed, discounted, tracker, offset etc are probably terms you have heard. Well part of our role is explaining what they all do and the pros and cons of each.
At SJ Financial Solutions, we understand that mortgage terms and definitions can often sound a lot like double dutch to anyone who doesn’t work in the industry. That’s why we’re here to advise you accordingly, translate into English and to answer any questions you might have.
Before getting to involved in the process of obtaining a mortgage, there are several things to consider. Your credit score and history, your deposit and income all play a big role in determining your eligibility for a mortgage and which lenders maybe able to assist.
Securing a mortgage involves various steps, starting with an affordability check, assuming this is all ok, it is onto an agreement in principle. Once this is accepted and once you have found a property it is only a formal application. Sounds lengthy…. But we arrange all of this 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.
