Business Details
Expert Mortgage Brokers in Southport
Based in Southport, we are a mortgage brokerage with deep Lancashire roots, offering tailored mortgage solutions across the UK. Our FCA-regulated team specialises in first-time buyer mortgages, remortgaging, and buy-to-let financing, prioritising jargon-free advice and competitive deals. With extensive experience in complex cases, including adverse credit and portfolio landlords, we combine local market knowledge with national expertise. Our process focuses on transparency, client education, and securing mortgages aligned with individual financial circumstances. As an authorised FCA firm (531615), we maintain rigorous compliance standards while delivering personalised service.Our technology-enabled approach ensures accessibility for clients in Merseyside, Lancashire, and beyond. We empower clients through clear cost breakdowns, mortgage calculators, and guidance on government schemes like Help-to-Buy. Our track record includes successful placements for clients rejected by high-street lenders, demonstrating our problem-solving expertise. We maintain partnerships with diverse lenders to access exclusive deals unavailable through direct applications. Client testimonials highlight our stress-free process, market knowledge, and commitment to long-term financial relationships.
Services
First-Time Buyer Mortgages
Remortgage Advice
Buy-to-Let Mortgages
Help-to-Buy Schemes
Mortgage Calculators
New Build Mortgages
Portfolio Landlord Mortgages
HMO Mortgages
Regulated Buy to Let Mortgages
Bad Credit Mortgages
Highlights and features
- FCA regulated with 15+ years' experience in complex mortgage cases
- Specialist in adverse credit and portfolio landlord mortgages
- Access to exclusive deals through 50+ lender partnerships
- Transparent pricing with no hidden fees or surprises
- Personalised service combining local market knowledge with national expertise
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Knowledgeable and reassuring
Excellent advice
Stress-free process
Competitive mortgage
Understood our needs
Services
First-Time Buyer Mortgages
Guiding first-time buyers through the mortgage process with tailored advice on eligibility, deposit requirements, and competitive deals. We specialise in helping clients with adverse credit histories access suitable financing options. Our service includes detailed affordability assessments and access to exclusive lender partnerships.
Remortgage Advice
Expert guidance for homeowners seeking better mortgage terms, including rate negotiation and equity release. We specialise in complex remortgage cases involving adverse credit or property development plans. Our process ensures seamless transitions between mortgage products while minimising exit fees.
Buy-to-Let Mortgages
Specialist financing solutions for property investors, including portfolio landlords and HMO operators. We provide comprehensive advice on rental income assessments, tax implications, and regulatory compliance. Our services cover both standard and complex buy-to-let scenarios across the UK.
Help-to-Buy Schemes
Expert navigation of government equity loan schemes for new build properties. We assist clients with eligibility assessments, application processes, and maximising scheme benefits. Our service includes guidance on both standard and extended Help-to-Buy arrangements.
Bad Credit Mortgages
Tailored mortgage solutions for clients with credit challenges, including County Court Judgments and recent arrears. We work with specialist lenders to secure competitive rates while providing clear pathways to improved credit positioning. Our advice includes deposit optimisation strategies.
People
James Blundell
Founder
With 15+ years' experience in mortgage broking, James specialises in complex cases including adverse credit and portfolio landlords. He established JB Financial Solutions to provide transparent, jargon-free advice while maintaining rigorous compliance standards.
Questions
What mortgage options exist for first-time buyers with bad credit?
We specialise in adverse credit mortgages through our network of specialist lenders, offering tailored solutions based on individual circumstances and deposit size.
How does the Help-to-Buy scheme work?
The government provides an equity loan up to 20% of a new build property's value, requiring a 5% deposit and 75% mortgage. We guide clients through eligibility and application.
Can I remortgage with early repayment charges?
We assess all costs including exit fees to determine if remortgaging remains financially beneficial, often negotiating with lenders to reduce charges.
What are the costs of buy-to-let mortgages?
Costs include arrangement fees, higher stamp duty rates, and mandatory safety certifications. We provide full cost breakdowns before application.
How do I start the mortgage process?
Contact us for a free initial consultation where we assess your financial situation and recommend suitable mortgage products and lenders.
