ABOUT US

Transparency & Flexibility

My Hero

We strive to provide comprehensive independent financial advice through a team of skilled staff and specialist Associates. Our primary focus is customer care as we realise the importance of this in such an emotive area; providing you with prompt, convenient and transparent advice. Our vision for customer service entails a one to one service combined with comprehensive administrative support.

Coupled with the individual service you receive from ourselves, we are affiliated to the UK’s largest mortgage clubs, PMS and L&G, helping us access bulk-negotiating power. For you, the client, it’s a win-win situation.   

"I can honestly say I have found the service invaluable."

C Foot, Director, Enterprise Logic, London 

Please contact us for a free initial consultation

THE TEAM

We’re a team of independent mortgage advisers.
We take the hassle out of finding the right mortgage

James Carter


Principal

With 18 years’ experience working in the Independent Financial Services arena (I know it’s hard to believe!), Mortgages and Financial Protection advice have always been his main business areas of expertise.

As highly qualified as possible in the industry, James is also a member of the Association of Mortgage Intermediaries and a frequent media commentator. James has built the company to be much respected within the industry, maintaining key account status with all top lenders.  

A coffee lover always at hand for a chat and espresso. An armchair football expert, Middlesbrough mad and gym bunny to boot. Family is everything.

Oliver Marley


Mortgage Adviser & Head of Research

Oliver has been working in financial services for 8 years now and has been with ij for the last 5. A fully qualified Mortgage Adviser, gaining distinctions in his Mortgage examinations, Oliver is also Head of Research.

Determined to travel the world and passionate about cars, he is always visiting new and interesting places, most recently combining both interests and driving to Germany for a few laps around the famous Nurbugring.

Committed to customer service and always ready to go the extra mile, Oliver is a key member of the team and always ready to chat over a Green Tea. An early starter, you’ll often find him in the office at 8am - keen to accommodate a client meeting before office hours.

Thomas Costelloe


Mortgage Adviser

Having been with Independent James for over 3 years now, Tom has passed his Certificate in Mortgage Advice and Practice and has successfully progressed to become one of our fully qualified Mortgage and Insurance Adviser.

Tom has recently made his first move onto the property ladder and takes great pleasure in assisting his clients to make the most significant purchase of their lives.

Outside of work he loves his sport, playing football competitively and turning his hand to Golf during the summer months, albeit having got engaged recently, much of his spare time is currently spent wedding planning.

Shangs Vytheeswaran


Mortgage Administrator

The newest recruit at Independent James, Shangs has already built up great relationships with our clients and contacts. He takes immense pride in his work and is always willing to go above and beyond for our clients, keeping on top of matters involved in case progression.

Shangs is currently studying for his final Certificate in Mortgage Advice and Practice exam. He aims to become a future Mortgage Adviser. He previously worked at a local mortgage firm whilst completing his degree in Financial Mathematics at the University of Kent.

Outside of work, he loves to keep fit and spend time with friends and family. A big football fan (Chelsea - boo!) and a purveyor of great food, he is always trying different eateries in town. 

Jyoti Patel


Insurance Administrator

Jo joined ij in April 2017 with a wealth of knowledge in the protection world. She works closely with the advisers providing in depth research and information on general insurance and pure protection.

Jo has been in the protection industry since March 2010 after completing her degree in Business with a 2.1. She has also completed her financial protection exam and is working towards becoming a Protection Adviser.

She dreams to travel the world one day, but her career has always come first! When Jo’s not in the office, you’ll see her at Zumba, Pilates or Yoga classes. While burning calories, she also can’t stop herself from making regular trips to the dessert lounges (without the husband, of course)!

Charles Edwards


Compliance Consultant

Charlie has been working in the financial services industry since 1985, starting his career with Albany Life, later to be merged with Canada Life. He worked in a variety of roles, including sales and technical training, before moving into compliance. He has extensive compliance and regulatory experience, having worked for national compliance support companies including The Tenet Group, and for over ten years with Bankhall PMS Ltd, finally setting up his own successful Compliance Consultancy company. He has been supporting ij since 2015. Outside of work his passion is travel, having been to all five continents, but there are still so many places yet to see.  


TESTIMONIALS

James S
Great company, made the process of getting a mortgage so straightforward. The staff are excellent and very good at explaining everything to first time buyers. We will absolutely use them again in the future.

Timothy R
I have worked with Independent James for the best part of a decade now (as has every member of my family, and they've all had the same experience). They're fantastic and I couldn't recommend them more highly. Wouldn't take my business anywhere else.

Simon C
I have used the services of Independent James initially for advice and to arrange my mortgage and more recently to remortgage the property. The service and advise provided has always been spot on, and the support throughout made the process simple and painless . Would highly recommend.

David L
Very good - James has always provided friendly and knowledgeable advice, helping us to navigate the complexities of mortgages three times now. Would definitely recommend.

Victoria EJ
We have had the pleasure of using Independent James' services in a number of occasions now, and wouldn't use anyone else. They have consistently provided great service and helped us to achieve our desired outcomes. Thus far the team have provided mortgage advice and support, and we have found them exceedingly helpful. Highly recommend.

Steven B
Cannot fault these guys one bit! The whole process of securing a mortgage was fairly stressful prior to coming to Independent James. From the first face to face meeting they put you at ease and you could tell they were on your side. Oliver was unbelievable in his approach to securing us a mortgage and talking us through each phase of the buying process because as first time buyers it can all seem a bit daunting. When a few properties fell through, it was reassuring to have him answer all our questions and concerns. In truth, we wouldn't be living in our first home if it wasn't for his hard work and dedication. I have told a lot of friends and family about Independent James and wouldn't think twice about recommending them to anyone.

Sarah C
Brilliant service - Oliver was amazing throughout the whole process. Highly recommend.

Laura H
Professional and helpful service. We are return customers! Thank you.

Gavin M
Can’t recommend James and his team highly enough.

Tom DW
Great service, very insightful and fast and easy support at all points of getting a mortgage (and beyond). Can’t recommend highly enough.

David R
James has looked after all my mortgage needs for a number of years. Most recently; he reviewed my financial situation and was able to find me a great offset mortgage. Something I hadn't even considered. I would highly recommend him.

Nicola C
Excellent service. The team at Independent James worked hard to find us the best deal. Highly recommend.

Katherine P
I've used Independent James twice now, for a first time mortgage and remortgage. Both times the whole team were efficient, knowledgable and friendly. They go above and beyond to keep you informed and walk you through these (sometimes baffling) processes and get the best deals/outcomes for you. I would HIGHLY recommend them and have done so to many friends and family.

Alexandra P
James and his team are extremely professional and really go above and beyond to find the best possible deal for their customers. In my own experience, I was in a tricky situation with limited options and I did really feel extensive time and effort was put in by James and his team until we landed on the best option for me. I am a loyal customer to them and will continue to be whenever I require a similar service.

Peter W
Have been using Independent James for over a decade now, for mortgagees and insurance. They have always managed to provide a range of better options, even working around difficult situations such as self-employment / problems evidencing income. I would be happy to recommend them to anyone.

Lee T
James and the team have managed my last 2 mortgages. Excellent communicators, timely feedback & absolute experts in finding the right deal. 100% recommend IJ - you wont be disappointed!

Andy C
A really great service, I've used Independent James for 2 buy-to-let properties over a couple of years. They suggested suitable products that saved me money on both of them. Oliver and the team provided an excellent and professional service. I have no hesitation in recommending them.

Jacqueline S
I had an amazing service from Independent James with my remortgaging. They where on top of everything and answered questions very quickly. I would highly recommend them.

Zoe D
We were given the details for Independent James because of a difficult financial situation we were in. The advice and recommendations we were provided were great and really helped us to secure a property and get the mortgage that suited us. Since then we have had help with insurances and various other matters. The service has been outstanding and Oliver has been a pleasure to talk to. Nothing has ever been too much trouble. I have passed his details onto a few friends and will continue to do so in the future. Great company and and massive thanks to Oliver for all of his help.

Rachelle D
The team at Independent James stepped up to provide an amazing service for us. We are *not* dream clients! We needed flexibility (our schedules include travel) and we had financial 'complications' (the extra paperwork that comes with self employment). Each time we spoke to other mortgage advisors we were essentially told to accept whatever we could find. Independent James however went above and beyond to get to know us, our case, and discuss all our options, and came back with an exceptional offer. We've been incredibly pleased with the level of quality and expertise from the whole team.

Tessa F
First time let to buy mortgage advice given. They were very patient and supportive and the process was clear and professional. Thanks!

Arjun M
I have been a client of Independent James since 2010. A company I trust for mortgage and financial advice. Excellent customer service. Highly recommended.

Orlaith R
Great Service - we have been using Independent James for years - the team are always responsive and consistently find the right deal for us.

JW
Absolutely spectacular service, getting us the mortgage and insurance we needed through a tricky process and playing their part in us getting our dream home. Oliver was knowledgeable, detailed and helpful at every stage, regularly going above and beyond. Couldn't recommend highly enough.

CMG
Had a great chat with Tom earlier today, he answered all my questions, and was super knowledgeable! I will definitely send referrals to him and use Independent James for as my broker :)

Kate Z
I have used Independent James for over 10 years and have always been impressed with the knowledge and service I have received. The company has grown a bit in that time and all the staff are fantastic and really go the extra mile. Can't recommend enough.

Daniel Z
Huge thanks to Tom Costelloe for helping me with my mortgage. He was extremely helpful, providing great and fast advice. Service was professional yet friendly and personal. I would highly recommend.

Jodie M
We always get a fantastic service from Independent James. The team are knowledgeable, approachable and most importantly they want to achieve the best for you. I would highly recommend Indepedent James!

Kelly M
Amazing service from Oliver. got us a great deal and exactly what we wanted! will definitely be coming back when our rate ends!

Hannah C
Independent James has helped me secure best deal on 3 mortgages in the last 10 years or so. I trust them, they're fast and friendly and don't mind taking a little extra time to explain things to me when i don't understand. Fully recommend them.

Joe F
Fantastic service 5* Would like to thank Oliver Marley for sorting out Mine and my partners first mortgage. Oliver was very helpful and certainly knows what he is doing. He made the whole process run smoothly. I would also like to thank Jo who sorted out our insurance. Very helpful lady and also made everything clear and easy. We will certainly be using independent James again in the future. Thanks again guys.

James A
Excellent service for mortgages and they send reminders with recommendations when policies need updating or renewing. Would definitely recommend.

Suraj P
Excellent service from the team at Independent James. They have a wealth of knowledge and expertise and have played a vital role in making my property business successful!

Katharine E
Great and very friendly service. Oliver Marley knows his stuff and is incredibly personable. We very much enjoyed working w/ Ind James.

Richard B
Great service with the guys, my mortgages and finances have been sorted quickly and easily; has some great advice which helped me get a great deal on my mortgage, saving me a lot of cash. I highly recommend them.

Adam T
'Independent James' has provided us with an exemplary service over the last few years. They have also saved us a great deal of money, the hassle of shopping around and being pestered by irritating sales calls. Friendly and approachable, nothing is ever too much trouble.

Elia S
I was referred to Independent James by a friend and I couldn´t have made a better choice. James and his team recently helped me through my first house purchase. They were all incredibly helpful, especially Tom Costelloe, who was very supportive and patient, going through every detail with me, explaining all the process and answering any questions I had, helping me secure a good mortgage deal. They really showed great experience in the market. I would definitely recommend them to anyone.

Oliver P
Phenomenal end to end service from the team at Independent James. Great rate and mortgage.

Lauren B
Independent James helped us secure our first mortgage and re-mortgage with ease. They offered superb advice throughout and made things easy to understand. They are always on top of everything and will answer any questions, responding very quickly. I've recommended them to several of my friends.

Katherine H
Seamless service from all at Independent James.

Matt W
Getting us the best deals over the years for both our mortgages & remortgages. A great team to work with.

Riccardo G
Amazing service throughout. Independent James helped me both with the initial mortgage and subsequent remortgaging. Highly recommended for quality of service, friendliness and personal touch, availability in answering all my questions and much more. James and his staff take the whole stress of mortgage negotiations away.

Yvette P
We have used the services of Independent James for the last few years, always helpful, professional and personable. I highly recommend!

Andrea W
Independent James helped me get an excellent mortgage deal 6 years ago; and since then he and his team have always been on the look out for the best deals for me, even when not briefed to do so. This is always a happy surprise when someone has gotten you a better deal and you didn't even have to ask them! I've recommended James to friends and colleagues when looking for a new mortgage, and they've loved the experience as much as I have. Thanks James!

Leo P
Great service - the whole process was quick, easy and for a reasonable price. Thanks Oliver.

Tom W
Comprehensive and uncomplicated advice for a first-time buyer. I have no hesitation in recommending Independent James.

Paul T
We really appreciated all the help you and your team gave us in choosing the right mortgage and getting everything set up etc. I will definitely recommend your company and will use you again in the future.

Fredric H
Very good throughout with communication and mortgage options. Managed to get good amount and rates, very happy customer!!

Adele
Independent James was excellent with arranging a mortgage for us. As we aren’t UK citizens, the process is always more complicated and most others told us we would need a very substantial deposit to have a bank even consider us. Independent James was able to very quickly secure us an excellent mortgage rate. They did also offer to assist with mortgage insurance but I found their approach less helpful here. The insurance brokerage service was offered through emails that were very templated and cookie cutter. Overall, on the mortgage side, I highly recommend them.

Nick B
James, Jyoti and everyone at Independent James have been our go-to guys for excellent insurance deals and thorough work for the last four years. Keep it up guys!

Adam C
I have used IJ for mortgages and insurance products for the past 4 years and they are brilliant to work with especially taking on loads of the leg work. Always very clear and professional with their advice and constantly looking for the best products to suit my family. Can't recommend highly enough!

Hayley C
Amazing company with staff that go above and beyond to help and advise.

Elise W
I’ve just moved into my first home and I couldn’t have asked for more from James and the team throughout the whole buying process. I dealt with James, Tom and Ryan and all three were amazing. If you’re looking for a professional service you can trust but also really nice people who genuinely go out of their way to help you make the right choices, independent James is the place to go. I’m really grateful for all their hard work and expert advice.

Adrian L
I have been working with James and Oliver (along with the rest of the team) for a number of years. They have just completed another re-mortgage, helping me to navigate a changing marketplace and providing an innovative new product. They are fun to work with, professional and I would happily recommend their services to others.

Marcus L
I have used Independent James for around 10 years now on multiple property purchases. I’ve dealt in particular with James and Oliver but the whole team are very professional. They are extremely knowledgeable on the products available on the market, they properly listen to your requirements and they are quick and efficient in their execution. The fact that all my family and friends have now used them is testament to their enduring service. Also if you’re worried about fees, don’t forget to add up all costs of a mortgage - if they are sourcing you a good deal, you are more than likely recovering those fees!

Leo R
Independent James, and Oliver in particular, were really helpful in guiding us through the mortgage process for our first purchase. Despite the complexities introduced by one of us working freelance, they found us a really great deal with a provider they knew would be happy to lend to us. They handled all the paperwork, application process and kept us informed every step of the way. You do have to pay for their services, but in our case the cost was worth it for the absolute lack of friction which our mortgage application process had.

Simon C
Professional but friendly, get the best deals. What more could you want? James and the whole team are very knowledgeable and helpful. Cannot fault any part of their service. If I could give six stars I would.

Ffion W
James and the team were helpful, responsive and friendly throughout my flat purchase. I'd strongly recommend them to anyone - especially first-time buyers looking for hand-holding through the experience!

Lucy Hose
Great service by Oliver, Ryan and all the team. I have used Independent James for over 10 years and wouldn't go anywhere else. They always provide first class advice and assist you in making the best financial choices.

Ali H
I had absolutely great service from Oliver and james . They were friendly and knowledgeable and also honest as told me it might not be easy to get the mortgage due to my circumstances, James was reassuring through out the process and then once accepted I was passed to Oliver who was case manager, again, friendly and helpful and wasn't scared to admit he didn't know the answer to one of my questions and referred the question back to James . I have a two year fixed term but you will definitely be hearing from me to review my mortgage again. I was quite stressed about my financial situation and both of these were reassuring throughout. Thanks again.

James E
The Independent James team, especially Oliver Marley were nothing but helpful and professional during the process of getting our mortgage organised, and purchase of a new home. They offered invaluable advice, were prompt to answer any queries and genuinely, a pleasure to deal with. Would highly recommend employing their services.

Lee S
This is the 4th mortgage which James and his team have managed for me. Amazing service, nothing is ever too much trouble. Keep me updated at every stage and are timely in clearly requesting information. I give them the highest recommendation and advise anyone looking for a new mortgage to use these - you will not be disappointed.

Tim M
Great bunch of people to work with. They all really know their stuff and go the extra mile to deliver it. There is no doubt, we simply could not have achieved a successful result without them. Well done Independent James, it is a delight to be on the receiving end of a focused, high content, high delivery business. Thank you for all your help.

Grecco O
Oliver guided us through the many highs and lows of buying our new home. He provides a very high standard of service and can always be relied upon to give genuinely helpful advice. I don't think we'd be enjoying living in our home without Oliver's help. Highly recommended.

Malika F
James was really helpful and went to extra mile to find me the right mortgage and help me throughout the process of buying my first home. I couldn't recommend him more.

Mitesh C
Amazing service by Oliver and colleagues, helpful throughout the process. Helped us get our first time mortgage when others said we would not be able to.


RELATED CONTENT

Education


We believe that the key to a successful long-term client relationship is for communication to be both educational and...


EXPLORE

Holistic Planning


In addition to our expertise in the aforementioned core services, we can also assist you across most areas of financial services...


EXPLORE

Case Studies


In this section we are providing you of real life example scenarios where we have been able to assist our clients...


EXPLORE

Associates


Like many other industries, financial services are subject to vastly increased regulation and supervision for consumer...


EXPLORE

Top