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MORTGAGES – Competitive mortgages & protection insurance

Where to go for the best mortgage deal?

Choosing a mortgage is one of the biggest financial decisions you’re likely to make. There are thousands of mortgage deals out there, so how do you choose the right one for you? This is where we come in, Stuart James specialise in mortgages and have in-depth knowledge of the market, deals and offers, which can change sometimes hourly. It’s our job to understand everything that is available. We work with you to understand your circumstances and needs then consider the range of lenders and products available and then provide you with the details of the ones that suit your needs. Some look at deals from a limited list of lenders, others are tied to a specific lender, and there are those who will check the whole market for a wider and more comprehensive range of products, like us.

Our Mortgage advisers look at the whole market, are not tied to any lender and have no limitations on the lenders available.

The mortgage market is extremely competitive and it can be hard to understand what exactly is included in any offer, from the varied and many providers through to the extensive range of products and rates available. Getting help to source the right mortgage for you and your circumstances is critical so you understand the options available to your specific needs, rather than trying than trying to fit around a specific mortgage.

Things you need to know about your broker

  • Are they whole of market? A “wide range” of mortgages is NOT “whole of market.” Make sure the adviser gives you the correct information about the service they offer. We are a whole of market mortgage broker

  • Are they regulated? You should only go to a qualified mortgage adviser regulated by the Financial Conduct Authority (FCA). You can check your broker on the FCA register.

For a mortgage enquiry call 01423 561060 or email stuart@sj-fs.co.uk or complete our quote form


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There may be a fee for mortgage advice the precise amount is dependent on the circumstances but we estimate it will between £350 to £1,000 depending on amount and complexity.

Your home is at risk and may be repossessed if you do not keep up your mortgage repayments.