Straight Talking.
Expert Mortgages.
Award-winning mortgage advice from Altrincham.
Whole of market. UK-wide service.
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British Property Awards 2019-2020
Gold Winner - Mortgage Broker in Altrincham
5.0 ★
Google Rating · 149+ Reviews
Vouchedfor Top Rated
The Times list of Top Rated Mortgage Advisers
FCA Authorised
Ref: 921413
Why JF Financial Solutions?
Sourcing a mortgage yourself can be stressful and time-consuming. At JF Financial Solutions, we make things easy.
We scour the mortgage and protection markets to find the most appropriate products for your exact requirements. Our qualified adviser will explain your options clearly and honestly through every stage.
Straight Talking
We don't use jargon and deliver our advice in a clear and easy to understand way
Professional
Our adviser is qualified and committed to the highest professional standards
Friendly
We're happy to engage in any medium you prefer though we do like to meet our clients face to face
Meet the Team
James Foster
Director / Mortgage & Protection Adviser
James established JF Financial Solutions in 2017 having worked in the financial services industry since 2006. He has a degree in Business & Economics and a CIMA Certificate in Business Accounting. James specialises in helping self-employed clients secure the right mortgage but covers all other customer types. He has an open and honest approach when speaking to clients and understands the key to great advice is knowing your customer.
Self-employed mortgages · Contractor mortgages · First-time buyers · Buy to Let · Remortgages
“I am proud of the enduring relationships that I have built over the years. What drives me is the great feeling I get knowing I have given the best possible advice and have clients recommend their friends and family to me.”
Outside of work James enjoys spending time with family, including his two children Archie and Edith. He also loves reading, walking, gardening and watching sports including his favourite team Manchester City.
Debbi
Mortgage Administrator
Debbi joined the team in February 2022. She has worked in financial services for nearly 40 years, a number of which have been spent in mortgage underwriting and administration roles.
“Debbi's wealth of work and life experience, friendly and down to earth approach equip her to support me and our clients. Like me, she prides herself on providing a first-class service to each and every one.”
Nicola
Mortgage Administrator
Nicola joined the team in July 2025 as a mortgage administrator. She has over 35 years of experience across the legal and financial sectors, in a wide range of roles, with varying responsibilities.
“Nicola's friendly demeanour and previous experience will enable her to support all our clients through their mortgage journey. Like me, she works with integrity, diligence, and has an unwavering commitment to do the best job possible.”
Mortgages We Offer
First Time Buyers
Let our financial adviser navigate you through the mortgage market. We specialise in first time buying and will find you the best mortgage solution. Get in contact before you take your first step onto the property ladder to confirm the size of your possible loan.
Moving Home
We aim to provide you with a hassle-free process of moving your mortgage to a new property. Whether you're transferring your mortgage, applying for a new mortgage, or switching lenders, we are experienced and will give you trustworthy mortgage advice.
Remortgage
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. With years of experience dealing with self-employed clients, we have access to the majority of lenders on the market and can guide you through the process to find an appropriate mortgage deal for your circumstances.
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. 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.
Bridging
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' and requires home improvements.
Protection
Putting in place products that can provide reassurance that your financial future is secure, even if the unexpected happens. We give you a personalised recommendation based on your circumstances and priorities.
Life Insurance
Having life insurance provides your family and loved ones with a safety net in the event of your death. By having the right insurance you can gain peace of mind that your family will be financially supported in a distressing time.
Mortgage Protection
Mortgage protection is a form of life insurance which will pay out a lump sum to your beneficiaries to pay off the mortgage in the event of your early death.
Critical Illness Insurance
Critical illness insurance aims to give you and your loved ones the same sense of security, covering a diagnosis of a critical illness. A lump sum can be paid if you are suffering from a critical illness.
Income Protection
If you cannot work due to accident or sickness, Income Protection policies can fill the gaps to provide financial protection. You could be receiving monthly payments to cover a reasonable amount of your income up until retirement.
Business Protection
Safeguard the future of your business with relevant business protection advice. This covers your business financially against the effects of losing partnerships, shareholders or key employees.
Testimonials
Eleanor Green
“James was recommended to us as a mortgage advisor to support with me and my husband upsizing and moving house. James was absolutely fantastic and couldn't have been anymore helpful! We were booked in for an introductory meeting very quickly and we were very impressed with James expertise and his kind and friendly manner.”
Rob Rowlinson
“3rd time using James for my mortgage and I can't rate him, and his team, high enough! He finds us the best deal and takes time to explain it all. He takes the pain and the pressure out of applying for a mortgage. As a team with Debbi, they're very thorough at the paperwork stage ensuring you have a pain free experience.”
Grace Lav
“Really grateful to James for securing me a fantastic mortgage deal. He was recommended to me by three different people who had all had great experiences too. He was super knowledgeable, professional, efficient and answered all my (sometimes silly!) questions.”
Jonny Robison
“We've used James 3 times now and each time he's been a great help and found the best deal for us. Highly recommend!”
Client Testimonial
“James has showed the utmost professionalism and patience. He has always been helpful, friendly, and ready to give advice on the smallest details in what is a very stressful experience.”
Rebecca
“We use James for our mortgage and have already recommended friends to him. He's professional, doesn't use jargon and finds competitive rates.”
Areas We Cover
We're based in Altrincham and primarily cover Manchester, Cheshire and throughout the UK. We can also help clients throughout the UK via phone and video consultations.
Mortgage Calculator
Simple repayment calculator for illustration only. Your actual repayments will depend on your circumstances and the product you choose.
This calculator is for illustration only. For advice tailored to your situation, please contact us.
Contact Us
Get in touch
Call 0161 711 1720 to see how we can help you. If you want further information or for one of our team to contact you, please get in touch.
10 Ashley Road, Altrincham, Cheshire, WA14 2DW