At JF Financial Solutions we offer advice on all types of mortgages; whether you’re a first-time buyer, looking for a remortgage, or moving house we can offer you high-quality financial services from our qualified mortgage adviser.  Our first class mortgage advice will guarantee you the most appropriate mortgage deal for each individual.  No case is the same, so we take time to ensure you’re getting the best possible mortgage solution for your unique circumstances.

Finding a mortgage can be stressful, and with so many mortgage products available you can become overwhelmed, that’s why JF Financial Solutions are here to ease this process.

We are proud to be included in The Times list of Vouchedfor Top Rated Mortgage Advisers.

First Time Buyers                                                                                                     

As a first time buyer, you may have little to no knowledge on loans and mortgages, and when there are so many factors to consider you can be left feeling lost and confused. Let our financial adviser navigate you through the mortgage market; we will find you the best mortgage solution – we specialise in first time buying. Get in contact before you take your first step onto the property ladder to confirm the size of your possible loan.

Moving Home

You don’t need another worry when moving house; we aim to provide you with a hassle-free process of moving your mortgage to a new property. Whether you’re transferring your mortgage from one property to another, applying for a new mortgage or switching lenders, we are experienced and will give you trustworthy mortgage advice.


If you’re looking to review your mortgage arrangements you can rely on our impartial financial advice to ensure you’re getting a remortgage deal with the best repayment rates. Our mortgage broker can filter the best and most up-to-date remortgaging deals available.

Self Employed / Contractors

The key for getting a self-employed mortgage is proof of income – this can sometimes be tricky. With the help of our mortgage adviser who will assess the available income documents, including self assessments or company accounts, we will find an appropriate mortgage deal for your circumstances. JF Financial Solutions have access to the majority of lenders on the market and have years of experience dealing with self employed clients and can guide you through the process.

Poor Credit Mortgages

Applying for a mortgage with a poor credit rating may be daunting, however, it is possible – with the help of our qualified mortgage broker you will see a poor credit mortgage isn’t as hard to obtain as you may think.

Buy To Let

If you want to invest in your first property or you’re a landlord looking to further your portfolio, we can help. In the property market, you want to save every penny; use our mortgage advice service and we’ll do everything we can to secure you a profit. We are experts in this area and will work with you and your tax adviser to assess the most appropriate way of purchasing a property, either in your personal name or via a limited company.

Secured Loans

A secured loan is a separate mortgage secured on your home; often referred to as a 2nd charge mortgage. This is an option we will explore if you are capital raising, especially if your current mortgage is tied in with a lender on a low rate. The rates are usually higher but lenders can be more relaxed around their criteria and affordability. They may allow you to borrow more money or allow capital raising for reasons which a 1st charge lender would not, for example paying off a tax bill.


Bridging is a short-term loan which is usually taken out to ‘bridge the gap’ between funding your new house whilst you wait to sell your existing property. It can also be used if you are buying a property that is ‘unmortgageable’; in other words, it requires home improvements before a standard mortgage can be offered.

Areas we service

JF Financial Solutions is based in Altrincham and offers mortgage advice locally in Altrincham and surrounding areas, and further afield:

  • Altrincham
  • Timperley
  • Bowdon
  • Hale
  • Sale
  • Cheadle
  • Stockport
  • Didsbury
  • Wilmslow
  • Alderley Edge
  • Knutsford
  • Lymm
  • Macclesfield

Interest rates

There are a range of interest rates our financial adviser can help you choose from, including:

  • Fixed rate – the interest charged stays the same for a set number of years, so you have certainty on your payments during the fixed rate period
  • Variable rate – these rates can change at any time and so does the amount you pay
  • Tracker rates – are a type of variable rate mortgage which “tracks” a base rate; usually the Bank of England’s base rate
  • Capped rates – move with the lenders standard variable rates, but the ‘cap’ means that your payments won’t go above a set amount

Get in touch

If you require any more information on our mortgage solutions please don’t hesitate to call us on 0161 711 1720 or 0330 223 4170 and see how our financial advice can help today! You can also contact us online or email us at for a prompt response from our experienced mortgage specialist.

What fees do we charge?

We will receive and retain a commission from the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document, should you wish you can request to view the commission rates from each of the lenders we have considered at the time that we make our recommendation to you.

If the commission from the lender is less than £599 we will ask you to pay the difference of the two amounts as a fee. For example if the commission received from the lender is £500, the fee payable by you would be £99. This fee will be due upon completion of the mortgage. You can decide to add this fee on to your mortgage however you need to be aware that adding our fees to the mortgage loan will increase the total amount you pay over the term of that loan as the lender will apply their interest charges to this amount.