SJR Mortgages

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SJR Mortgages

Local mortgage advice covering North London and Northamptonshire - with online national coverage

Background:

Equipped with a Level 3 Certification in Mortgage Advice (Cert CII) and in Regulated Equity Release (CeRER), Samuel has an extensive track record in the dynamic world of the finance sector. Samuel has honed his expertise in various facets of the industry, with a particular focus on banking and estate agency. A substantial portion of Samuel’s professional journey has been dedicated to

his period at Nationwide Building Society, a renowned financial institution known for its commitment to customer satisfaction and ethical banking practices. Progressing through the ranks to National Mortgage Brokerage which played a pivotal role in guiding clients through the complex landscape of mortgage financing. Samuel consistently delivered tailored solutions to meet their unique needs, fostering trust and long-lasting relationships. Additionally, Samuel gained valuable experience as a Mortgage Broker within the estate agent industry, working for one of the largest and most reputable mortgage networks in the country, achieving Top 10 within the group. Samuel gained a comprehensive understanding of the estate agency market, which has proven vital in assisting clients with finding and negotiating on the purchase of their future homes. Samuel remains committed to delivering the highest standards of professionalism and expertise, helping clients make informed financial decisions that align with their goals and aspirations. Personal:

Samuel is a dedicated enthusiast of health and fitness, with Level 3 Personal Training and Level 4 Sports Massage qualifications. Favourite activities include sports such as football, tennis and golf.

09/09/2026

A complicated situation does not always mean there are no mortgage options.

Principality has widened its desktop valuations to eligible buy-to-let and holiday-let cases up to 75% LTV. Foundation may consider applicants with a Debt Management Plan following 12 months’ satisfactory conduct. Meanwhile, NatWest has increased rates for existing-customer products from 9 September.

Different lenders assess circumstances differently. Speak to SJR Mortgages for a personalised review before ruling out your plans.

Rates and criteria can change. Eligibility and terms apply.

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

08/09/2026

Three mortgage changes worth knowing today.

Darlington has reduced standard income-verification requirements, including removing standard income evidence for BTL applications meeting its required ICR.

Meanwhile, Skipton has increased its full fixed-rate range, while Barclays has raised selected residential purchase rates. Barclays’ remortgage range is unchanged.

If you are buying, remortgaging or reviewing a buy-to-let, speak to SJR Mortgages so we can assess the current options for your circumstances.

Rates and criteria can change. Eligibility and terms apply.

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

06/09/2026

Being self-employed doesn’t mean your mortgage options are automatically limited.

Nationwide may consider sole traders, partnerships, limited-company directors, contractors and subcontractors. In certain circumstances, it may even consider one year’s income—such as after a change in business structure or when joining an established professional firm.

Some eligible applicants could also access additional affordability with a 5–10-year fixed mortgage.

Every case is different, so speak to SJR Mortgages for a personalised review.

Rates and criteria can change. Eligibility and terms apply.

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

01/09/2026

Making mortgages feel clear, straightforward and stress-free — exactly as they should be 🏡

Receiving feedback like this means a great deal. My aim is always to explain every option clearly, answer every question and be readily available throughout the process.

Thank you for trusting SJR Mortgages to help you secure the right mortgage deal.

If you’re buying a home, moving or considering a remortgage, get in touch for a friendly, no-obligation conversation.

📩 [email protected]
🌐 www.sjrmortgages.co.uk

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

17/08/2026

Super proud of this review, we managed to save close to £5,000 by securing a mortgage rate at the right time!!!

13/08/2026

Great review from our recent first time buyer 😊Another 5-star service from Johnson.

04/08/2026

Buying a home can be stressful especially when it's your first time. There are multiple professionals involved: estate agents, solicitors, mortgage brokers, surveyors. Sometimes there are issues that may not have related to the mortgage. Nonetheless, we don't just say "job done" once the mortgage offer is issued.

At SJR Mortgages we promise to help support you through the entire process, just like Johnson did here.

31/07/2026

A client came to me who'd inherited a property after losing a family member. She needed to sell it, and use that money to buy a home for her and her son — somewhere close to his school, with enough space for the two of them.

Simple enough, until we hit a snag: because she'd inherited a property, she was no longer classed as a first-time buyer. That meant a higher Stamp Duty bill, and she couldn't get the mortgage product she needed to afford the home she wanted.

So I went digging. One lender, it turns out, only looks at whether you've had a mortgage in the last three years — not whether you've ever owned a property. She hadn't. That one detail meant we could move forward.

She went to mortgage offer this week, and she and her son will be able to buy the home they need.

Sometimes the answer is in the small print. Got a situation that sounds like it's hit a dead end? Send me a DM.

As with all mortgages, your home may be repossessed if you do not keep up repayments.

23/07/2026

Buying a home is stigmatised as a stressful process. SJR Mortgages trying our best to change this!

28/06/2026

There's been speculation about potential changes to the Lifetime ISA.

Nothing has been announced, but if you're aged 18–39 and don't already have one, opening a Lifetime ISA with as little as £1 could be worth considering.

For many first-time buyers, it can be a useful way to save towards a deposit. For others, particularly the self-employed, it may also play a role in long-term retirement planning.

As always, make sure you understand the rules, benefits and restrictions before making any decisions.

Have you already opened a Lifetime ISA?

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

Address

Princes Avenue
Desborough
NN142RQ

Website

http://www.sjrmortgages.co.uk/

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