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


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

James Carter


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.

Virginia Harrow

Mortgage Administrator

Virginia has worked in the banking and mortgage industries for many years, and brings her wealth of experience in handling the clients’ cases through the whole process to mortgage completion.

She has also built up great relationships with many of the lenders over the years, and provides excellent customer service.

A huge motorcycle racing fan and a life-long Chelsea supporter, with Pilates, gardening and cooking amongst her other passions.

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.  



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Holistic Planning

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Case Studies

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