About Jamie Wells

I believe that getting professional mortgage advice is more important today than it has ever been before. The mortgage market changes all the time, not just in terms of mortgage deals and regulation, but also in the way lenders assess loan applications.

My role as a mortgage adviser is to help you to find a mortgage that meets your specific needs. Trained and qualified specifically to give mortgage advice, I pride myself on maintaining my extensive knowledge of the regulatory, economic and marketplace changes that can impact on your options.

I will work with you to understand your needs, match that to the requirements of lenders, and make sure you and your dependants are protected once you have bought your property.

This way, I can help you save time and most importantly, money.

To learn more about how I can help you please call me now.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

The reassurance you need

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Positive Solutions opened its doors for business in 1997 and is one of the UK’s leading financial advice firms. Founded on the vision that too many consumers weren’t receiving the financial service or level of choice they deserved, it grew rapidly by teaming up with like- minded finance professionals who wanted to be part of a progressive company and only provide the highest standards of advice.

This ongoing success story, and a shared belief in delivering great customer solutions, led to Positive Solutions being acquired by Quilter Financial Planning in 2013. Quilter Financial Planning, part of Quilter, is one of the leading distributors of financial advice services in the UK with more than 3,300 advisers looking after the interests of customers nationwide.

Where I can help you

Your financial situation is unique and so are my services. The approach I take is simple:

  • I find out all about you
  • I understand your goals
  • I get to know your appetite for risk

I then use all the tools and expert knowledge at my disposal to offer you relevant solutions.

Only then can you make an informed choice.

My services are comprehensive too, which means I can offer professional advice across each of the stages of your financial life.

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First Time Buyer

The prospect of buying your first home could be both daunting and confusing.

Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.

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Remortgaging

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we can help.

Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender.

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Standard Variable Rate Mortgages

The monthly mortgage repayments are based on the prevailing rates of interest the lender charges - not the Bank of England (BoE) base rate.

In other words, it is entirely the lender’s decision on the rate of interest they charge the borrower.

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Tracker Mortgages

The interest rate applied to the mortgage repayment is linked directly to the Bank of England’s base rate and will rise and fall in line with that rate.

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Fixed Rate Mortgages

The interest on the loan will neither rise nor fall for a pre-determined period of time.

Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.

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Offset Mortgages

Where a mortgage borrower also has savings, by giving up the interest on those savings he or she can reduce the amount of interest they pay on their mortgage debt.

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Cashback Mortgages

A mortgage that pays a lump sum cash rebate of a fixed amount of money, or a percentage of the actual loan, on completion of the mortgage or shortly after.

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Buy-to-let Mortgages

Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants.

Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two.

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Self Build Mortgages

For those who want to build their own home, a conventional residential mortgage is not an option.

Instead, the self-builder would need to apply for a self-build mortgage. Not every lender is active in the self build mortgage market and those that are, tend to charge a higher rate of interest for self build mortgages.

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Second Charge Mortgages

A separate and additional mortgage to the homeowner’s main (or first) mortgage.

Second charge mortgages (sometimes known as ‘Homeowner Loans’) are loans which are secured against the borrower’s residential property, and as such, are available only to homeowners. In common with remortgages, second charge mortgages are sometimes used by homeowners to raise money.

How we work

OUR PLAN FOR YOU

Here's how we formulate the plan towards Your Goals

 

Many people have goals and dreams, but a goal without a plan is just a wish... an achievable goal is a dream with a deadline.

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1: Determine your budget

The first step is to figure out how much you can afford to spend on a property, including the monthly mortgage payments. This will depend on your income, expenses, and other financial commitments.

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2: Research lenders and mortgage options

Once you know your budget, you can start looking for lenders and mortgage products that suit your needs. This may involve comparing interest rates, fees, and other terms and conditions. You should also consider the protection products available, such as life insurance and income protection.

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3: Get a mortgage pre-approval

Before you start house hunting, it's a good idea to get a pre-approval for a mortgage. This will give you a better idea of how much you can afford to spend and can make you a more attractive buyer to sellers. At the same time, you can also explore protection products to ensure that you have adequate cover in place.

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4: Find a property and make an offer

Once you have your pre-approval, you can start looking for properties that fit your budget and requirements. When you find a property you like, you'll need to make an offer and negotiate with the seller. You should also consider the protection products available and whether they will be sufficient to cover your mortgage repayments in case of unexpected events such as illness, disability, or death.

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5: Complete the mortgage application process and protection

Once your offer is accepted, you can begin the process of finalizing your mortgage application and protection products. This will involve providing documentation to the lender and undergoing a credit check and affordability assessment. You should also work with a financial advisor to ensure that you have the right protection products in place to cover your mortgage repayments.

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6: Complete the purchase

Once your mortgage application is approved and your protection products are in place, you can proceed with the purchase of the property. This will involve signing legal documents, paying any applicable fees and taxes, and transferring ownership of the property. Congratulations, you are now a homeowner with adequate protection in place to cover your mortgage repayments in case of unexpected events!

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