Patrick James Solutions Mortgage & Protection Advice

08/09/2026

Meet your future work colleagues...

Fancy joining the team in a brand new roll!

Applications close on the 14th

We need someone who lives and breathes social media to help take PJS to the next level.

This could suit an experienced content creator, marketing whizz or even the right school leaver who can show us what they’re capable of.

Appleby... office-based

We’ll consider either:

✅ Full-time: Monday to Friday, 9am–5pm
✅ Part-time: Monday to Friday, 9:30am–2:30pm
✅ Up to £15 per hour for the right candidate
✅ Bonus scheme after probation

You’ll help manage our 26 social media accounts and 60,000+ followers, creating videos, graphics and campaigns across Facebook, Instagram, TikTok, LinkedIn and more.
You must be confident with social media, content creation, video editing and AI but most importantly, you need personality, creativity and a genuine desire to help people.

No CV just yet.

Email [email protected] and tell us, in no more than 250 words, why we’d be mad not to invite you in.
Anyone contacting us another way won’t be considered.

🔗 https://linktr.ee/pjsmortgageadvice

If you know the perfect person, please give this a share.

Paddy

07/09/2026

Enough said.

This months gonna be a long year...

Phones off the hook.

To book in email

[email protected]

07/09/2026

07/09/2026

S2 Ep3 - Dealing with Building Societies is hard work with Darlington Building Society

Mortgage Mythbusters · Episode

06/09/2026

S2 Ep2 - You need a high credit score to get a 95% mortgage with Chorley Building Society

Mortgage Mythbusters · Episode

05/09/2026

Want to be one step closer to owning your dream home, in just 15 short minutes?! 🏠

Paddy’s current availability this week is as follows:

Monday 13th July
5pm, 5:50pm, 6pm, 6:30pm, 8pm, 8:30pm

Tuesday 14th July
5pm, 5:30pm

Wednesday 15th July
12pm, 12:30pm, 1pm, 1:30pm, 4:30pm, 5pm, 6pm, 6:30pm, 8pm, 8:30pm

First come, first served so please feel free to pick a couple of slots that work best!

Lots of ways to book…

DM on our socials

or

WhatsApp, text or call 07854673000

email

[email protected]
or visit our website

https://patrickjamessolutions.co.uk/contact/

05/09/2026

S2 Ep1 - You need a huge deposit to do a self-build with Build Loan

Mortgage Mythbusters · Episode

05/09/2026

Estate agents and sellers: when a buyer pulls out, the deal doesn’t always have to go dead. At Patrick James Solutions, we can review the chain and explore short-term finance options so your client may still be able to complete on their onward purchase while their current home sells later. Share the figures and we’ll assess whether it’s workable or not. Call us.

05/09/2026

Estate agents... builders... sellers...

This one is for you.

The property chain is f*cked...

Or is it?

Your seller has found the house they want.

They've agreed a price.

Mortgage sorted.

Solicitors instructed.

Everyone is starting to talk about completion dates.

Then the phone rings...

"The buyer has pulled out."

B*llocks.

And normally what happens next?

The estate agent rings the seller of the property they're buying...

Explains the chain has broken...

Everyone starts panicking...

The property goes back on the market...

And potentially two sales are now f*cked because one buyer pulled out.

But here's the question...

Did anyone actually check whether they still need to sell first?

Because sometimes... they don't.

There are situations where we can potentially arrange finance that allows somebody to buy their next home before their current one has sold.

Your seller loses their buyer...

But they might still be able to complete on the property they're buying.

Their existing house goes back on the market.

It sells later.

The short term borrowing is repaid.

Chain saved.

Seller happy.

Estate agent gets paid.

Everyone stops swearing at Dave three houses down the chain.

And before anyone says it...

Yes... bridging finance can be expensive.

Yes... there are fees.

Yes... the numbers need to work.

And no... we're not suggesting everyone with a broken chain should immediately take out a bridging loan.

That would be f*cking stupid.

But bridging isn't necessarily the only option either.

There are different ways of structuring short term finance depending on the circumstances.

The point is pretty simple...

Don't declare the deal dead before someone has actually checked.

If you're an estate agent and a chain breaks... call us.

If you're selling your house and your buyer has just pulled out... call us.

If the estate agent has just told you the house you're buying is going back on the market unless you find another buyer... definitely call us.

Give us the numbers.

What's their house worth?

What's outstanding on the mortgage?

What are they buying for?

What's their income?

How much equity have they got?

How quickly is their property realistically likely to sell?

We'll look at it.

Sometimes we'll say...

"Nope... you're going to need another buyer."

Fair enough.

But sometimes we might say...

"Actually... there's a way of doing this."

And that one conversation could potentially save the entire bloody chain.

So estate agents...

Before you stick that property back on the market...

Before you tell the seller their onward purchase is gone...

Before months of work disappears down the sh*tter...

Give PJS a call.

Because a buyer pulling out doesn't always mean the sale has to fall through.

Sometimes you just need someone to look at the problem differently.

Patrick James Solutions
Mortgage & Protection Advice

Your home may be repossessed if you do not keep up repayments on your mortgage.

Bridging and short term finance can involve additional costs and fees and is not suitable for everyone. Advice should be sought based on individual circumstances.

04/09/2026

Did you believe in any of these mortgage myths? 🏠