Financial Advisor based in Chelmsford, Essex & London

A family-run company that takes care of your financial needs. With over 45 years of financial advisor experience, we are able to offer you a range of finance solutions tailored to your situation.

Call us today on 0333 567 8960 to speak to a member of our friendly team.


Here are a few examples of what our clients say

Trustpilot Reviews
Google Customer Reviews
”A+ Superb Service & Advice. Having had another mortgage that was over double the interest rate I now have due to circumstances at the time, FFS managed to secure an amazing rate, saving me a nice sum. Advice was clear and much appreciated. I will be using their services in the future and more than happy to recommend to friends and colleagues”
”Finding the right mortgage seemed daunting to us, however James at FSS made it easy and reassuring, He was always on hand for any questions and to explain the jargon. He found us an unbelievable rate, which our bank couldn’t match. Would highly recommend this service, as he has saved us money and time as it happened so quick”
”I recommend Financial Services Solutions! Every time I had a query, they answered me often within minutes. James was able to quickly find me a mortgage that was affordable at a difficult time. Nikki was absolutely fantastic and is my hero. Thank you!”
”I purchased a house as tenants-in-common with a friend. Jabez Persaud helped in arranging our mortgage, insurance and wills, and did a fantastic job with all three. He got good terms/prices for us, and clearly had our best interests in mind every step of the way. He was always happy to clarify any questions we had, or make adjustments wherever we needed. Most importantly, for me, was the feeling of dealing with a person rather than a company (even remotely via phone and video calls). He truly felt like an ally throughout the whole process. I would definitely recommend using Financial Service Solutions and Jabez for any of the services they offer.”
”A massive thank you to James and Nikki for all their help in getting us a Right to Buy mortgage. Our situation wasn’t a straight forward one, but they were determined to find us the right deal, despite numerous applications, and numerous rejections they kept plugging away and this week we finally completed on our home. All the way through we had excellent communication from James, always keeping us updated and no issue was too much trouble. Buying home is daunting, but these guys made the process really easy! Definitely recommend!”

”I was very impressed with the service provided. The knowledge of the Financial Advisor was superb and the process was dealt with in a timely manner”


We understand how important getting a Mortgage decision is.


We are committed to helping clients find the right mortgage that suits their needs.



At Financial Service Solutions, we offer a range of specialist finance and are members of the NACFB.

Dedicated to your needs

At the helm of our company is Jabez Persaud, a seasoned professional with over 15 years in the financial services domain and an impressive 45-year track record in business. What sets us apart is our commitment to being “whole of market,” granting us the freedom to explore diverse options rather than being confined to a single entity. Our headquarters in Chelmsford, Essex forms the base from which our financial services span across London and every major city in the UK.

By using the latest technology, our extensive market knowledge and strong customer relationships, we are able to get a deep understanding of all your requirements. Our software is updated daily, so you can rest assured the information we use is as up-to-date as possible and we are supplying you with the most suitable product.

Can I get a mortgage with bad credit?
Yes. Whilst getting a mortgage with bad credit can be difficult, it’s a common situation many applicants find themselves in. So whilst a bad credit history can make things tricky, there are steps we can help you take to start repairing your credit rating and get you back on track to finding the right mortgage for you.
What is the difference between ‘adverse’ and ‘bad’ credit?
You may have been told that your credit rating is ‘bad’ or it might have been described to you as ‘adverse’. Essentially, in the context of getting a mortgage, both words mean the same thing and we are able to help you with both.
How do I find the best mortgage deal for me?
When looking for an affordable bad credit mortgage, there are still many options out there, they may just be that little bit harder to find. Whilst a few high street lenders may consider applicants with minor or historical credit issues, the majority will probably refuse an application with a bad credit history. However, there are still many independent lenders out there who will be able to offer you a suitable deal – you just need the right help to find them.

Lets Find The Right Mortgage For you

We really understand how big of a deal it is to make a decision about getting a mortgage.

Whether you’re taking that exciting step to buying your first home, moving up to something bigger, or even downsizing, there are many different mortgage options out there from various lenders. It’s not just about getting any old mortgage – it’s about finding the right one that fits your budget and your unique situation. It’s about getting those keys to your new place, making your current home even better, or sorting out your finances for other important things in your life. There are lots of different types of mortgages to consider, and the type that’s best for you really depends on why you need it in the first place. We understand every situation and can tailor the best solution for you.

First Time Buyer
Moving Home
Bad Credit
Secured Loan
Buy to Let

Request A Quote

Whether you’re a first time buyer, searching for the best remortgage deals or suffering from bad credit, we can help you get the mortgage you need.

Free no obligation mortgage quotation, no credit searches required.

Request A Mortgage Quote

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Whether you are buying your first home, moving to a bigger property or downsizing – the lenders would have many different types of mortgages options to choose from.

  • Buy to Let Mortgages
  • Self Employed Mortgages
  • First Time Buyers
  • Residential Mortgages
  • Remortgages
  • Second Charge


As Brokers, we are committed to providing clients with the most appropriate route to buy insurance.
  • Life & Critical Illness Insurance
  • Income Protection Insurance
  • Business Protection Insurance
  • Building & Contents Insurance
  • Wills & Powers of Attorney


At Financial Service Solutions, we offer a range of Specialist Finance and are members of the National Association Of Commercial & Finance Brokers – NACFB.
  • Development Loans
  • Bridging Loans
  • Commercial Mortgages
  • Portfolio Mortgages
  • Factoring & Invoice Discounting
  • Asset Finance
  • Revolving Credit

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.
Will Writing and advice on Lasting Powers of Attorney are not regulated by the Financial Conduct Authority.
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.

Disclaimer: Financial Service Solutions Ltd has never now or has ever been involved with any companies of a similar name. Financial Service Solutions Ltd is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421

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