Secure Your Dream Home With Absolute Confidence.
Secure Your Home With Confidence
At I J Mortgage Solutions, we believe that purchasing your home should be a straightforward, manageable experience, and maintaining your household lifestyle shouldn’t be a source of financial stress. As your dedicated mortgage and protection advisor, I provide professional guidance to clients nationwide. Whether you are based in a bustling city or a rural village, our reach across the UK market allows us to deliver a consistently high standard of service regardless of your location.
We explore a comprehensive landscape of UK lending criteria to help secure competitive interest rates tailored specifically to your budget and long-term goals. Whether you are a first-time buyer stepping onto the property ladder, an experienced homeowner looking to remortgage, or an investor managing a buy-to-let portfolio, our experience bridges the complex gap between you and the lenders.
Efficiency Powered by Advanced Technology
To provide a seamless and modern experience, we utilise secure, industry-recognized back-office systems to manage your application with precision. This technology supports safe data handling, clear tracking, and an efficient journey from your initial quote through to the final mortgage offer. We don't just source a potential borrowing option; we proactively manage the administrative process on your behalf.
Protecting What Matters Most
A mortgage is likely your largest financial commitment, which is why our service extends far beyond the core transaction. We work alongside you to help build a practical protection plan—incorporating personal insurance such as Life Cover, Critical Illness insurance, and Income Protection. Our aim is to help safeguard your household’s future, working to ensure you move into your property with a strong sense of financial security.
Navigating the Path to Your Next Home
Purchasing a property is one of the most significant financial commitments you will ever make, but it is a journey you do not have to navigate alone. Since entering the financial services sector in 2012 and qualifying professionally in 2016, my focus has been to help families and individuals approach homeownership with a strong sense of clarity and confidence.
My goal is to minimize the complexities often associated with securing a mortgage. By managing the administrative heavy lifting, analyse lender criteria, and handling the intricate details of your application, I work to streamline the process, allowing you to focus on finding the right property for your future.
Transparent Guidance & Decisions in Principle
Whole-of-Market Mortgage Comparisons
Tailored Borrowing & Financial Protection Strategies
Dedicated Support from Your Initial Application to Completion
Protecting What Matters Most
Securing your home is a significant milestone, but establishing a plan to help protect the family inside it is equally vital. Since entering the financial services sector in 2012 and qualifying professionally in 2016, my focus has extended far beyond simply arranging property finance. Our goal is to help clients construct practical financial safety nets designed to provide long-term security and reassurance.
My aim is to help ensure that if the unexpected happens, your loved ones are supported by robust financial protection. We cut through the insurance jargon and analyse a carefully selected panel of providers to identify the right cover for your household budget, working to safeguard your home against life’s unforeseen challenges.
Comprehensive Life & Critical Illness Cover
Income Protection for Long-Term Financial Security
Tailored Family Income Benefit Planning
Integrated Trust Guidance & Administrative Support
Our services
We provide whole-of-market mortgage and protection advice for first-time buyers, homeowners remortgaging, buy-to-let investors and families who want cover in place. Based in Warrington, we advise clients nationwide by phone, Zoom or Teams — from the first conversation through to completion.
Buying your first home shouldn’t feel overwhelming. I’ll help you understand deposits, affordability and getting a Decision in Principle — then guide you through to completion.
If your deal is ending soon, reviewing early can help you avoid rolling onto a higher rate. I’ll compare your options across the market and explain whether staying or switching makes sense.
Whether you’re a first-time landlord or building a portfolio, I’ll help you navigate deposits, rental stress tests and limited company lending in clear terms.
Protection cover options
Clear, practical guidance on life, critical illness and income protection for your household.
Life, critical illness and income protection — plain English, right cover for your household.
Support to protect your income if illness or injury means you cannot work.
Quick answers to common questions about working with me and the mortgage process
Can I arrange my mortgage online if I live outside Warrington?
Yes. While we are based in Warrington, we provide full whole-of-market mortgage advice and protection planning to clients nationwide across the UK via secure Zoom, Microsoft Teams, and phone consultations.
How much deposit do I need to buy a house in the UK?
Most UK lenders require a minimum deposit of 5% to 10% of the property’s purchase price. For example, buying a £200,000 property with a 5% deposit requires £10,000 down, while a 10% deposit requires £20,000.
How far in advance should I start remortgaging before my deal ends?
You should begin reviewing your remortgage options 6 months before your current fixed rate expires. Securing a new mortgage offer early locks in competitive rates and prevents you from falling onto your lender’s expensive Standard Variable Rate (SVR).
Do you charge fees for mortgage advice?
Our initial consultation is conducted without obligation. We provide a personalized Client Agreement outlining any specific advice fees before you proceed.
How much can I borrow for a mortgage based on my income?
Standard UK lending guidelines allow you to borrow roughly 4 to 4.5 times your gross annual household income, subject to outgoings, credit checks, and lender stress testing.
What documents do I need to provide for a Decision in Principle (DIP)?
To secure a Decision in Principle, you need a photo ID (passport or driving licence), proof of address (utility bill within 3 months), 3 months of recent payslips or 2 years of SA302s (if self-employed), 3 months of bank statements, and proof of deposit.
‘You may have to pay an early repayment charge to your existing lender if you remortgage.
Frequently Asked Questions
Customer reviews
Hear from clients we’ve worked with
Financial advice at its finest.
Josh took the stress out of our mortgage renewal, finding the best product and keeping us up to date. Would highly recommend and will be using again next time.
Thanks Josh and the team at I J Mortgage Solutions
Wesley G
We came to Josh at IJ Mortgage Solutions for our first mortgage, and he has gone above and beyond from start to finish. He has been incredibly professional, helpful and committed throughout the whole process, always keeping us informed and making everything as straightforward as possible.
Josh worked hard to find us the best deal possible and genuinely had our best interests at heart. We couldn’t be happier with the service we received and would highly recommend IJ Mortgage Solutions to anyone looking for mortgage advice.
Lyndsey M
★★★★★
★★★★★
Let's Take Your Home Financing Further
Whether you're buying your first home or refinancing, I'm here to help you move forward confidently.
Address
I J Mortgage Solutions, 17 Blackley Close, Warrington, WA4 1JA
Contacts
0330 133 2620
info@ijmortgages.co.uk
Areas we Cover
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Fee Agreement
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I J Mortgage Solutions
© 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. Our FCA number is: 1052669.
Registered Office: I J Mortgage Solutions Limited, 17 Blackley Close, Warrington, WA4 1JA. Registered Company
Company Number: 16927737 Registered in England & Wales
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £399 Your property may be repossessed if you do not keep up repayments on your mortgage.