Business Details
20 Years
experience
Your Trusted Mortgage Advisor in the West Midlands
At S J Financial Solutions, we are committed to delivering bespoke mortgage experiences tailored to each client's unique needs. Founded in 2006 by Stuart Mosley, our team combines over 100 years of collective experience in the financial services industry, ensuring expert guidance through every stage of the mortgage process. We prioritise open, honest communication and personalised service, eliminating call centres to provide direct access to dedicated advisors. Our approach focuses on understanding clients' aspirations, whether purchasing a first home, expanding property portfolios, or navigating complex financial scenarios.We operate under UK regulatory oversight, maintaining transparency in all dealings while offering jargon-free advice. Our team's extensive background in major financial institutions informs our ability to address even the most challenging mortgage requirements. We pride ourselves on continuous support throughout the mortgage lifecycle, ensuring clients receive optimal solutions aligned with their financial goals.
Services
Mortgages
Buy To Let
Commercial
First Time Buyers
High Net Worth Mortgages
New Build Purchase
Remortgage
Self Build
Home Insurance
Personal Protection
Details
- Year established: 2006
Highlights and features
- Over 100 years of combined experience in mortgage advisory services
- Direct access to dedicated advisors without call centre intermediaries
- Transparent fee structure with mortgage advice costs ranging from 149 to 750
- Tailored solutions for complex mortgage scenarios including self-build and buy-to-let
- Comprehensive support throughout the entire mortgage lifecycle
Associations and certifications
- Financial Conduct Authority
What people say
Miracle workers
Friendly and professional
Impeccable service
Swift and no fuss
Knowledgeable and quick
Services
Mortgage Advice
Our mortgage advisory service provides comprehensive guidance through the entire mortgage process. With access to a wide range of lenders, we help clients secure competitive rates tailored to their financial circumstances. Our qualified advisors offer expert analysis of mortgage options, ensuring clients understand all available products and their long-term implications.
Buy To Let
Specialised buy-to-let mortgage solutions for property investors. We provide expert guidance on investment property financing, helping clients navigate tax implications and maximise rental income potential. Our advisors offer market insights to support informed investment decisions and portfolio growth strategies.
Remortgage
Comprehensive remortgaging services to help clients secure better rates or release equity. We analyse current mortgage arrangements and market offerings to identify optimal refinancing opportunities. Our process includes assessing exit fees and arranging seamless transitions to new mortgage products.
Self Build
Tailored financing solutions for self-build projects. Our advisors specialise in navigating the unique challenges of construction financing, coordinating with builders and surveyors to ensure appropriate funding structures. We provide phased payment planning and lender selection for custom home building projects.
First Time Buyers
Dedicated support for first-time homebuyers navigating the mortgage process. We explain available schemes like Help to Buy and Shared Ownership, while providing clear guidance on affordability assessments. Our advisors simplify complex mortgage terminology and help clients understand long-term financial commitments.
People
Stuart Mosley
Founder
With over 13 years' experience in major financial institutions, Stuart established S J Financial Solutions in 2006 to provide more personal mortgage advisory services. His expertise spans complex mortgage scenarios and self-build projects.
Deb Wale
Director/Advisor
Deb joined in 2012 after 15 years at Lloyds Bank, bringing extensive mortgage advisory experience. She became a director in 2023 and specialises in helping clients navigate complex mortgage requirements with practical solutions.
Amanda Simcox
Protection Professional
A former Senior Bank Manager at Lloyds Bank, Amanda joined in 2018 to lead our protection services. She specialises in ensuring clients have appropriate financial safeguards in place to protect their mortgage investments.
Charlotte Wallace
Mortgage Advisor
Qualified in 2017 after joining from Co-op Bank, Charlotte provides expert mortgage advice while maintaining exceptional administrative efficiency. Her approach combines technical knowledge with clear communication to demystify the mortgage process.
Becky Sadler
Team Administrator
Becky manages our administrative processes after nine years at Lloyds Bank. She ensures smooth transaction processing while maintaining her role as a qualified mortgage advisor, combining operational excellence with client service expertise.
Questions
How can a mortgage broker help me secure better rates?
Our brokers access exclusive deals and negotiate competitive rates by leveraging relationships with multiple lenders, ensuring you find the most suitable mortgage product for your circumstances.
What sets your team apart from other mortgage advisors?
We combine over 100 years of collective experience with a commitment to personal service, offering direct advisor access and tailored solutions rather than standardised approaches.
Can you help with complex mortgage situations?
Yes, our team specialises in handling challenging cases including self-employed mortgages, buy-to-let portfolios, and non-standard property financing with proven success.
Do you offer protection services alongside mortgages?
Yes, we provide comprehensive protection advice including life cover, critical illness cover, and income protection to safeguard your mortgage investment.
How quickly can I expect mortgage approval?
While timelines vary by lender, our proactive approach typically expedites the process, with many clients receiving initial offers within 2-3 working days of application submission.
What areas do you serve across the UK?
We advise clients nationwide from our Birmingham and Tamworth offices, supporting customers in England, Scotland, and Wales through face-to-face, phone, or virtual consultations.
