J R Financial Solutions LTD Mortgage Advisors
Croydon
Mortgage advice covering self-employed, buy-to-let, first-time buyers. J R Financial Solutions LTD Mortgage Advisors has not recorded a fee structure.
Main contact
About J R Financial Solutions LTD Mortgage Advisors
J R Financial Solutions LTD Mortgage Advisors is a UK mortgage broker based in Croydon. Its website describes mortgage advice for buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
J R Financial Solutions LTD Mortgage Advisors works across self-employed, buy-to-let and first-time buyers from Croydon — a focused listing led by self-employed work.
Self-employed and buy-to-let together suit business owners buying property, where income evidence and rental stress testing both have to line up.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. With self-employed lending also covered, business-owner landlords should find both halves of the case understood.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
Verify before you share anything.
We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask J R Financial Solutions LTD Mortgage Advisors
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Do you see clients at your Croydon office, or is this handled by phone and video?
Getting in touch with J R Financial Solutions LTD Mortgage Advisors
J R Financial Solutions LTD Mortgage Advisors lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
Reviews
No reviews for J R Financial Solutions LTD Mortgage Advisors yet.
Have you used J R Financial Solutions LTD Mortgage Advisors?
What you needed. How it went. What it cost.
Frequently asked questions
What does J R Financial Solutions LTD Mortgage Advisors charge for mortgage advice?
Not recorded on this listing — ask J R Financial Solutions LTD Mortgage Advisors directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does J R Financial Solutions LTD Mortgage Advisors handle?
J R Financial Solutions LTD Mortgage Advisors records self-employed, buy-to-let and first-time buyers, working from Croydon. Ask anyway if your case sits outside that list.
Does J R Financial Solutions LTD Mortgage Advisors work with self-employed borrowers?
Yes — self-employed lending is one of the areas J R Financial Solutions LTD Mortgage Advisors lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does J R Financial Solutions LTD Mortgage Advisors only cover Croydon?
J R Financial Solutions LTD Mortgage Advisors is listed in Croydon, but UK brokers are not restricted to their own area and most advise nationally by phone or video.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.