SJ Mortgages

SJ Mortgages, independent mortgage advice in Hampshire

SJ Mortgages is an independent mortgage advisory firm based in Whiteley, in Fareham (Hampshire). The company presents itself as a whole-of-market broker, meaning it is not tied to specific lenders, with access to over 90 lenders, which allows it to maintain an impartial position when searching for products. It was founded by Scott Barron and Jack Tutton, who together have more than fifteen years of combined experience in the financial sector.

Mortgage services for different profiles

The business is organised around several areas of advice. The service catalogue includes:

• Mortgages for first-time buyers.
• Remortgage or switching your mortgage.
• Mortgages for moving home.
• Buy to let mortgages for rental purposes.
• Protection products for the home and family.

In addition, the firm states it has experience in cases considered special: mortgages for UK residents with an expat profile, mortgages for non-residents for buy to let purposes, mortgages for foreign nationals and for self-employed workers.

A three-step application process

The working method described by the company is structured in three phases. First, an initial conversation to understand the client's circumstances and preferences. Then, a search of the mortgage market to find the most suitable offers and product. Finally, the application process: the firm handles the documentation required by the lender and maintains follow-up with lenders, solicitors and estate agents through to completion, with the aim of completing the process as quickly and with as little disruption as possible.

Adviser profiles

Jack Tutton began his career as a cashier at a bank eleven years ago and in 2015 obtained the full qualification to advise on mortgages. Scott Barron started his career in banking and joined John Charcol in 2018, where he went on to operate as a whole-of-market broker. Both run the firm and deal with clients personally.

Structure and regulation

SJ Mortgages operates as an appointed representative of Pivotal Financial Limited, an entity authorised and regulated by the Financial Conduct Authority (FCA) of the United Kingdom. Its number in the financial services register is 665649. The company is registered in England with number 9157892 and its registered office is at Office 10, Steel House, 4300 Parkway, Fareham, PO15 7FP. The firm warns that it may apply a fee of up to 2% of the mortgage amount depending on individual circumstances, with a typical fee of £399, and reminds that the property may be repossessed if mortgage payments or any debt secured on it are not maintained.

Borrowing capacity calculator

The website includes an indicative calculator that estimates the amount a user might be able to borrow based on their annual income and bonuses. The firm itself states that this is a general guide and not a definitive answer, as the figure may vary depending on each applicant's circumstances.

Location and contact

Office 10, Steel House, 4300 Parkway, Whiteley, Fareham PO15 7FP