Mortgage & Protection Advice That Makes Your Decisions Easier
Helping first time buyers, home movers, property investors and families across the UK.
Let us be your first port of call for help, guidance and advice.
At Joanne Ramsden Financial Solutions, we offer a full range of Mortgage and Protection services, designed to support you at every stage of your property journey.
How It Works
1. Free Initial Consultation
2. Tailored Recommendations
3. Application & Support
4. Ongoing Care
Mortgage Services
First Time Buyer & Home Movers
We guide you through and explain every stage of the buying process. How we help:
- Assess your affordability and deposit options
- Advise of any stamp duty or additional costs
- Source competitive mortgage deals
- Align you with solicitors
- Support you through application to completion
Remortgages
We provide a suite of options and guide you to the right solution, ensuring a smooth and cost-effective switch, if you are wanting to:
- Borrow more for home improvements or other needs
- Buy more equity in your shared ownership
- Buy out a partner
- Review your current mortgage at the end of your fixed rate
- Review your finances
Buy to Let Mortgages
If you are investing in property, expert advice is essential. We provide tailored buy-to-let mortgages solutions to allow you to start or grow your property portfolio to align with your investment goals. We can:
- Advise on lender criteria and rental affordability
- Source suitable buy-to-let mortgage products
- Support portfolio and first-time landlords
- Guide through the full application process
Protection Products
Life Insurance
We deliver tailored solutions to protect your loved ones and provide financial security in the event of the unexpected. How we help:
- Assess the level of cover you need
- Compare policies from leading providers
- Ensure your family, lifestyle and mortgage commitments are protected
- Offer clear advice with no unnecessary complexity
Income Protection
We offer income protection to safeguard your earnings and provide financial stability if you are unable to work due to illness or injury. How we help:
- Protect a portion of your income
- Advise on waiting periods and benefit levels
- Ensure long-term financial security
- Match cover to your employment status
Critical Illness Cover
We provide critical illness cover to offer financial support if you are diagnosed with a serious illness, helping you focus on recovery without added financial pressure. How we help:
- Tailor policies to your circumstances
- Help cover mortgage payments or living costs
- Find the right balance of cover and affordability
- Explain what conditions are covered
Home Insurance
Your home and belongings are among your most valuable assets. We provide recommendations for insurance that offers reliable protection and peace of mind. How we help:
- Ensure lender requirements are met
- Protect your property and possessions
- Tailor cover to your home and lifestyle
- Source competitive, 5-star defaqto rated policies
Your property may be repossessed if you do not keep up repayments on your mortgage
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help, taking account of your individual circumstances.
You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.
Call us now for Mortgage or Protection Advice: 01204 465524
Get In Touch Today
Not sure where to start? We're here to help. Get in touch today for clear, friendly advice tailored to your 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.