IJR Financial Solutions

04/06/2026

I’m pleased to offer a special discount for members of the Bluelight community and the Armed Forces 💙🇬🇧

If you work in NHS, Healthcare, Education, Public Services, Emergency Services 🏥📚🚓 or you are Military — active or retired 🎖️, you are eligible.

This discount applies to your main residence 🏡, including:
• Buying your first home 🏠✨
• Moving home 🚚📦
• Remortgaging 🔄💷

📩 You can message me on here, or WhatsApp me on 07886 166506

Disclaimer
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

02/06/2026

02/06/2026

Client feedback like this is exactly why I decided to start my own business ✨
The freedom to deliver a truly personalised service is what drives me every day 💛

Messages like this really make my day and remind me I’m on the right path 🙌

Feeling grateful and motivated for what’s ahead
🌟

25/05/2026

I’m really pleased to share that I’ve been selected to complete the Certificate in Financing Greener Homes 🎉🏡💚

It’s a great opportunity to learn more about how finance can play a positive role in tackling climate change—and, for me, that feels especially relevant to the mortgage industry 🌍💸. Whether you have a new build or are making changes within your property, this could be of real interest 🏠✨

Our homes are such an important part of the conversation around energy efficiency, affordability and sustainability 🏡⚡🌱

More lenders are now rewarding energy-efficient homes with lower rates or cashback 💷✨. If your property has an EPC rating of A or B, you may qualify for a green mortgage—meaning cheaper borrowing and lower running costs ✅🏠

Some lenders even offer grants or interest-free loans to help you make eco-friendly upgrades like insulation, heat pumps or solar panels 🔧☀️🌿

If you’re buying, remortgaging or planning improvements, it could be worth checking whether a green mortgage is an option for you 💚🏠🌍

19/05/2026

Hi everyone 👋 A little bit about me…

I’m Imogen, a mortgage and protection adviser 🏡✨

Background
I spent 15 years working for a high street bank, starting in customer service, moving into personal banking, and then spending the last 8 years as a mortgage and protection adviser. During that time, I helped people all over the country buy their first home, move house, remortgage, and borrow for all sorts of reasons — from debt consolidation to even buying a Ferrari! 🚗

Why I started this new venture
With a young family, I decided it was the right time to start out on my own 💕 Moving from working with one lender to whole-of-market means I can now help with an even wider variety of applications, while also offering the flexibility to work around family life and my clients’ busy schedules.

Outside of family life and mortgages, I love horses and still ride regularly 🐎 I’m also into pistol shooting — some of you may have seen my participation over the years from the 4 Islands Games i've competed and my 14 medals🎯

What I offer
I’ve tailored my services to be as flexible as possible because I know how busy life can get 😊
That’s why I’m available on weekends and evenings on the phone or via Teams, with the plan to offer home visits in the near future if required 📅
I also offer Bluelight and veterans discount
Any questions do not hesitate to ask

Trip down memory lane with the pictures 😊

14/05/2026

Big news for first-time buyers! 🏡✨🎉

From Monday 18th May, Halifax is launching a new low deposit mortgage scheme for first-time buyers with a minimum personal deposit of £5,000 💷🙌

You read that right… £5,000 deposit! 🏡✨

We know saving for a deposit can be one of the biggest barriers to getting on the property ladder, so this new scheme is designed to help more people take that first step into homeownership 🔑🏠💙

Key details: 📋
• Minimum personal deposit of £5,000 required💷
• Available on homes up to £300,000 🏡
• Only one applicant on a joint application needs to be a first-time buyer 👥
• Open to employed and self-employed customers 💼
• 5-year fixed rate product available with £0 product fee 📆
• Comes with a free Level 1 mortgage valuation ✅

A few important notes ℹ️
⚠️Deposit cannot be gifted
⚠️Not available for new builds or affordable housing
⚠️A maximum of 4.49x loan to income cap will apply
⚠️Property is your main residence, no interest in any other such as a second home or BTL
⚠️Subject to affordability, lender criteria, and credit checks 📋

12/05/2026

✨ I’m really excited to share that I’m now a Checkmyfile Partner! ✨

If you’re thinking about getting a mortgage – whether it’s your first home, moving, or remortgaging – your credit profile plays a huge role in what lenders will offer you 🏡

That’s why using Checkmyfile can be such a game changer. It gives you a full picture of your credit report before you apply, so there are no surprises.

🔎 Why it’s worth checking out:
• View data from Experian, Equifax and TransUnion all in one place
• Spot any errors or issues that could be affecting your score
• Understand how lenders might view your credit profile
• Get guidance to help you understand your report clearly
• Build better habits that could improve your credit over time

💡 When it comes to mortgages, preparation is everything. Knowing exactly where you stand can help you secure better rates and avoid delays or declines.

My personal link will be in comments 🎉
You can try it FREE, then it’s a paid monthly subscription – cancel online

Disclaimer
We receive a referral fee.
Please be aware that by clicking on to the links you are leaving our page. Please note that myself nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site accessible from this page.

07/05/2026

🏠 Renting and been served a Section 21 notice (or worried you might be)?

If you’re facing a move you didn’t plan for, it may be a good time to check whether buying is an option for you — and what that could look like in real numbers. 📍

A lot of people assume you need a massive deposit or a perfect credit history to get a mortgage — and sometimes you do. But there may be options depending on your deposit, income and credit profile. ✅

A review can help you understand what’s realistic for you right now (and if you’re not eligible yet, what steps could help).

Mortgages are subject to status, affordability and lender criteria.

📄 If you’d like to explore your options, here are a few things to start pulling together:
• 💼 Proof of income (payslips if employed / SA302s + tax year overviews if self-employed)
• 🏦 Bank statements
• 🧾 Benefit evidence (letters and/or statements, if applicable)
• 🪪 ID + proof of address
• 📊 Your credit report (check it for errors)
• 💷 Deposit (what you’ve saved and what you could comfortably use)
• 💳 Loans/credit cards (balances and monthly payments)
• 🧮 Regular spending (a rough monthly picture helps)

💬 A chat can help you understand:
• 📌 How much you may be able to borrow
• 💰 What deposit you might need
• 🛠️ What steps could improve your chances (if you’re not quite there yet)

📩 Want to chat to understand your options? Message me on here, or WhatsApp me on 07886 166506

Disclaimer
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

06/05/2026

Life is unpredictable… but your plans don’t have to be. 💙

None of us like to think about what if—but the reality is things can change in an instant ⏳

A serious illness or unexpected loss can turn your world upside down, not just emotionally, but financially too

If you’ve got a mortgage, your home is likely your biggest commitment

Imagine having the reassurance that, no matter what happens, your loved ones could:
✅ Stay in their home 🏡
✅ Keep up with bills without added stress 💵📉
✅ Focus on recovery or grieving—without financial pressure 🤍

That’s where life and critical illness cover really make a difference. It’s not just about a payout—it’s about peace of mind, security, and protecting the life you’ve worked so hard to build 🔒

We insure our cars 🚗, our phones 📱, even our holidays ✈️🌴… but what about ourselves and our families? 👨‍👩‍👧‍👦💭

It’s worth taking a moment to ask:
👉 “If something happened to me, would everything still be okay for them?”
If the answer isn’t a confident “yes”, it might be time to look into your options
Your future self—and your family—will thank you 💙

01/05/2026

🏠 Got a mortgage? Here’s something worth thinking about…
If illness or an accident stopped you working tomorrow, how would you keep up with the bills? 🤔

Most people rely on Statutory Sick Pay (SSP) if they’re off work…

👉 That’s around £116.75 per week and only paid for a limited time.

For many households, that doesn’t even cover the mortgage 💸And if you are self employed you do not even qualify for SSP

💡 This is where Income Protection comes in.
Income Protection is designed to pay you a monthly income if you can’t work due to illness or injury — helping to protect your lifestyle and your home.

✅ Helps cover your mortgage, bills and everyday costs
✅ Pays far more than SSP, based on a percentage of your income
✅ Can be tailored to your budget and circumstances
✅ Gives peace of mind when life throws the unexpected your way 💙

📌 Example:
Off work for 4–6 months or even longer? Income Protection could provide a regular monthly payment, rather than trying to survive on SSP alone.

If you have a mortgage and people rely on your income, it’s worth understanding your options 🏡

💬 There's no charge for discussing, reviewing, or arranging Income Protection.