About SJ Financial Solutions
SJ Financial Solutions searches mortgage and protection options for first-time buyers, homemovers, self-employed applicants and contractors. Its services include residential mortgages, buy-to-let lending and commercial finance.
The Birmingham team can handle administration, speak with lenders, estate agents and solicitors, and keep applicants updated throughout the process. Appointments can take place by Teams, Zoom, phone or face to face. The firm also supports clients throughout the lifetime of a mortgage, with published advice covering new-build purchases, remortgages, self-build projects and protection needs.
Before you choose SJ Financial Solutions
5.0 on average from 154 reviews
In its favour
- Teams, Zoom, phone or face to face
- Support throughout the mortgage lifetime
- Lender, solicitor and agent liaison
Typical client: Self-employed buyers and contractors seeking tailored advice
Specialties
Also works on: first-time buyers
Key facts
- Type
- Mortgage broker
- Rating
- 5.0 on average from 154 reviews
Prices
Prices published on its website, checked on 1 November 2026.
- Mortgage advice£149–750
Featured in
Questions and answers
How much does mortgage advice cost?
The initial conversation is free. Mortgage advice costs between £149 and £750, depending on the circumstances, with the fee discussed and agreed at the earliest opportunity.
Can I get a mortgage if I am self-employed?
Yes. Lenders assess self-employed income in different ways. Most want two years of accounts, although some options are available with one year.
How long does a mortgage application take?
Usually, a mortgage offer arrives within two to four weeks of applying. Complex cases can take longer, while having the paperwork ready can help speed up the process.
Can mortgage advisers help with insurance options?
Yes. Advisers can discuss insurance to help maintain mortgage payments if income is lost, explain the implications of not having cover and consider the protection required.
