Mortgage Services Designed for Clarity and Confidence

We search thousands of mortgage products across the whole of the market—including exclusive deals you won’t find on the high street—to find the perfect match for your circumstances.

Explore our products

First-Time Buyers

Getting on the property ladder can be daunting. We guide you through the entire process, explaining how much you can borrow, how much deposit you need, and helping you secure a Decision in Principle. We hold your hand from your first appointment until you get the keys.

Remortgaging

If your current fixed-rate deal is coming to an end, doing nothing could mean slipping onto your lender’s expensive Standard Variable Rate (SVR). We review your current mortgage against the entire market to secure a new rate that could save you hundreds of pounds a month.

Home Movers

Moving house involves a lot of moving parts. Whether you are upsizing for a growing family or downsizing for retirement, we can help you "port" your existing mortgage or find a new deal that suits your new property and budget.

Buy-to-Let

Building a property portfolio can be a great way to secure your financial future, but the mortgage market for landlords has become increasingly complex. We specialise in finding the right funding solutions for your investment strategy.

white concrete building during daytime
white concrete building during daytime
Self-Employed & Complex Income

High street banks often struggle with complex income streams. If you are a sole trader, company director, or contractor, we know which specialist lenders look at the "bigger picture" of your earnings to get you the mortgage you deserve.

Bridging & Short-Term Finance

For property investors, speed is everything. If you are purchasing an "uninhabitable" property to renovate, buying at auction, or need capital quickly for a business opportunity, high-street lenders often say no.

A Seamless Mortgage Journey

Expert support from application to completion. I manage the lenders and the paperwork so you don’t have to

01

Initial Consultation

Everything starts with a conversation. We discuss your financial situation, your budget, and your property goals. Whether you are a first-time buyer or looking to remortgage, I take the time to understand exactly what you need so I can build a strategy that works for you.

02

Research & Recommendation

I scour the whole of the market—comparing thousands of deals from high-street banks to specialist lenders. I’ll present you with the best options and secure a Decision in Principle (DIP), putting you in a strong position to make an offer on your dream home.

03

Application & Management

Once your offer is accepted, I handle the full application process. I deal with the lenders, liaise with your solicitors, and chase up the estate agents so you don’t have to. I manage all the paperwork and admin to ensure your Mortgage Offer is issued as quickly as possible.

04

Approval & Completion

The best part! Once your offer is issued and legal work is done, funds are released, and the property is yours. But my support doesn’t end there—I ensure your new home is protected with the right insurance and stay in touch for when your fixed rate ends.

Why Choose an Independent Broker?

Quick answers to common questions about working with me and the mortgage process

We Work for You, Not the Bank: We are not tied to any single lender. Our loyalty is to you and your best interests.

Access to Exclusives: We often have access to "broker-only" rates and lenders that you cannot access directly

Stress Reduction: We deal with the solicitors, the surveyors, and the lenders. You just focus on packing the boxes.

No Jargon: We speak plain English. We ensure you understand exactly what you are signing up for.

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

Get In Touch

0330 133 2620

info@ijmortgages.co.uk

Warrington

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© 2025 I J Mortgage Solutions Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority 1052669.

Registered Office: I J Mortgage Solutuons Limited, 17 Blackley Close, Warrington, WA4 1JA. Registered Company

Number: 16424810 Registered in England & Wales/Northern Ireland/Ireland/Scotland