About Jamie Wells
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
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.
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.
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.
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.
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.
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.
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.
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!