About Us
With more than three decades of experience in providing a first class financial service in major banks and building societies across Great Britain, our proven expertise is second to none. Our team of advisers are ready to help, every step of the way with clarity, care and confidence.
Our History
Founded 15 years ago by Joanne Ramsden, our business began in Bolton, England. What started as a local service, quickly grew through word of mouth and a strong reputation for reliability and care.
Over the years, we have expanded to include a range of mortgage and protection services, supporting first-time buyers, home movers, landlords and those looking to protect their financial future. Whilst our roots remain in Bolton, our team now operates nationally, helping clients across Great Britain with trusted advice and dedicated support.
Our Mission
We began with a clear mission, to make the mortgage and protection process simple and stress-free, by providing honest and expert advice with a personal touch.
As we continue to grow, our focus remains the same: building lasting relationships, offering clear guidance, and delivering peace of mind at every stage of your journey.
Meet the People Behind Your Financial Confidence
Joanne -
Company Director
Specialty: Business Leadership & Client Experience
Joanne founded the company with a passion for helping people make confident financial decisions. With over 30 years of experience in the industry, she leads the team with a client-first approach, offering expert guidance and building long-term relationships based on trust, clarity and personalised advice.
joanne@joanneramsdenfs.co.uk
Maddie -
Mortgage and Protection Adviser
Specialty: Buy-to-let & Complex Income
Maddie combines leadership with hands-on expertise in mortgage and protection advice. She specialises in supporting landlords, portfolio investors and clients with complex or non-standard income, providing tailored advice to help secure the right mortgage solutions for their needs.
maddie@joanneramsdenfs.co.uk
Michelle -
Mortgage and Protection Adviser
Specialty: Remortgages & Existing Homeowners
With 25 years of experience, Michelle brings extensive knowledge and a calm, reassuring approach.She specialises in supporting existing homeowners with remortgaging, moving home or releasing equity, helping clients explore options clearly and confidently to make informed financial decisions.
michelle@joanneramsdenfs.co.uk
Laura -
Mortgage and Protection Adviser
Specialty: First-Time Buyers
Bringing over 15 years of experience in the industry, Laura offers a broad depth of knowledge and a thoughtful approach. She specialises in supporting first-time buyers, offering clear guidance, education and reassurance. Laura is committed to helping clients take their first step onto the property ladder with confidence.
laura@joanneramsdenfs.co.uk
Linda -
Client Care Manager
Known for her friendly and approachable style, Linda takes pride in making the process straight forward and stress free. She ensures that every client feels supported throughout their journey with us.
linda@joanneramsdenfs.co.uk
Get In Touch Today
Get in touch today to see how we can help with your mortgage or protection needs
Get in touch today to see how we can help with your mortgage or protection needs
Joanne Ramsden Financial Solutions Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
The information and content of this website is intended for UK consumers only, and is subject to the UK regulatory regime.
Joanne Ramsden Financial Solutions Ltd. Registered Office: Heaton Lodge, Marshdale Road, Bolton, BL1 5AQ. Country of Registration: England and Wales. Registration No. 09851361
The FCA does not regulate solicitors, surveyors, accountants, trust, some forms of tax planning and buy to let mortgages. For solicitors, surveyors, accountants, trust and tax planning we act as introducers only.The FCA does not regulate some forms of buy to let mortgages.