Mortgages

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.

How Our Mortgage Advice Services Can Help You

We will first book a consultation with one of our mortgage advisors who will gather brief information in order to understand your current situation. Once we have established your situation and your needs, we will be better positioned to help you achieve your mortgage aims.

Our mortgage advisors can assist you with putting in an offer, advise on the mortgage products and lenders available to you, and will support you through the entire process as well as being available to you after completion. We are also able to search through and recommend to you those schemes that are available to first time buyers. If you’re a first-time buyer and you’re looking for a mortgage or advice, visit our first-time buyer page for more information.

If you have a question at any point, no matter how complicated it may seem, please feel free to consult with your mortgage advisor. We’re open Monday to Friday (9AM to 6PM) and Saturday (9AM to 4PM).

Contact Our Mortgage Advisors in Birmingham

If you are looking for bespoke mortgage advice in Birmingham and you would like to speak to an experienced mortgage advisor, please get in touch with us. We have years of experience in providing tailored mortgage advice and we can help you find the most suitable products that suit your situation and your needs.

Call us on 0121 448 0161 or you can arrange a chat with our mortgage advisors here.

Testimonials

Richard Barbieri

Mortgage

“Stuart Mosely tailored a mortgage plan to meet our exact requirements and I wouldn’t hesitate in contacting him for further financial advice. Recommended.”

Neil & Michelle

Mortgage

“We wouldn’t hesitate to recommend Stuart Mosley and SJ financial Solutions to anyone looking for the best mortgage product on the market. We’ve used Stuart for many years and he will always be the mortgage consultant we will turn to for mortgage services and advise.”

Mr Hunt

Mortgage

“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

Mortgage

“We’ve used Stuart and his team for our last 2 house moves. He offers a flexible and seamless service – just what we need with busy lives and two kids. Stuart and his team did particularly well in our last move where we had to get it done quickly- Stuart managed to get our mortgage offer in before the sale contract- impressive, even for me- a solicitor used to dealing with mortgages. He also secured us a good rate and even got it reduced before we signed up. Their life cover offers are also very competitive and Stuart steered us easily through all the complexities of those. Well done guys and keep up the good work and winning those awards. Well deserved”

Neil Currier – IFA

Mortgage

“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.”

Louise Engers

Mortgage

“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.”

R Townsend

Mortgage

“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

Mortgage

“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.”

Steve Sanders

Mortgage

“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.”

Richard & Ranjit

Mortgage

“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.”

Suzy Elsey

Mortgage

“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!”

Colin Duffield

Mortgage

“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 everyone – good quality service.”

Ashley Nicholls

Mortgage

“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.”

Katie Berriman

Mortgage

“Another smooth remortgage has been successfully done by Stuart and the team. Thank you all, it’s an easy decision to come back to you every time.”

Colette Hartley

Mortgage

“We would recommend Stuart and his team without reservation. Having used SJ Financial Solutions a number of years ago we felt confident they would be able to guide us through a slightly complicated mortgage deal. Stuart is straight talking, happy to answer any questions and kept in touch throughout the whole process. Additionally, he was able to arrange life cover and home insurance. Definitely took the stress out of the process. Thanks Stuart and co.”

Mortgage Client

Mortgage

“Due to unforeseen circumstances I needed extra advice about how to deal with an issue with my mortgage which I had never had before.  Stuart looked into the details of my product and then advised the best next steps I needed to take with the company to get the issue rectified. He supplied the numbers I needed to contact and supported me with direct phone calls himself.  It seemed an impossible situation but it has ended in a really positive outcome, which I know I couldn’t have reached without Stuart’s support and expertise.”

Mortgage Client

Mortgage

“Deb at SJ Financial Solutions was able to provide us with lending, whilst many mortgage brokers believed it would be difficult to do so given our personal circumstances. The rates she found were the most competitive on the market and often were rates that other brokers could not match! As our portfolio grew and understanding our long term goals, Deb arranged for us to speak to Stuart to get Life Insurance and Critical illness cover to protect our portfolio which we had not previously considered. We realised from Deb that growing a portfolio is one matter and then protecting it is another!  There is nothing more that Deb and the team at SJ Financial solutions could have done better, they even provided us with the most competitive buildings insurance on the market for our properties! That makes it a all in one complete service. Many thanks to Deb, Stuart and the entire Team at SJ Financial solutions for providing such a wonderful service.”

Mortgage Client

Mortgage

“I called Stuart’s office on a Saturday not expecting anyone to answer. Stuart answered straight away and emailed over application forms within minutes of my call. By the Monday morning, Stuart was working on our case and had a mortgage solution for us within 48 hours.  Extremely impressed with Stuart for his prompt attention and hard work in finding a mortgage solution for us.”

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