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.

Having started Independent James in 2007, we have the skills, experience, contacts and knowledge you need. 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. We are a key account with all major lenders, largely due to our business quality, proactive approach and belief in getting things Right First Time. For you, the client, it’s a win-win situation.

You can see what our clients think about us on our Testimonials page and on Google.

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

C Foot, Director, Enterprise Logic, London


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

James Carter


With 24 years’ experience working in Independent Financial Services (I know, it’s hard to believe!), Mortgage and 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 key lenders.

A coffee lover, always at hand for a chat and a pour-over. An armchair football expert, Middlesbrough mad, a MAMIL and (formerly) gym bunny to boot. Reading a lot more at present – Malcolm Gladwell, Murakami, MW Craven and Alan Bennett particularly favourites. Family and friends are everything and I miss them (oops)! Making the most of hometime with cook alongs - some more successful than others!

Fun fact: James started his entrepreneurial journey organising nationwide nightclub coach trips whilst at uni!

Oliver Marley

Mortgage Adviser & Head of Research

Oliver has been working in financial services for 11 years now and has been with ij for the last 8. A fully qualified Mortgage Adviser, gaining distinctions in his Mortgage examinations, Oliver is also Head of Research and recently extended his knowledge by completing the CeMap Diploma.

Determined to travel the world and passionate about cars, he is keen to get back out there once restrictions are lifted to visit 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 (remotely!) over a Green Tea. An early starter, you’ll often find him logged on at 8am - keen to accommodate client needs wherever possible.

Fun Fact: Oliver has just completed a family project to convert a shop into a new large 1 bedroom flat; it quickly become apparent how much of a roller coaster any building/renovation work will quickly become!

Thomas Costelloe

Mortgage Adviser

Tom has been with ij for 7 years and one of our Mortgage and Insurance Advisers for over 4 years. He has recently completed his CeMAP Diploma ensuring he is as highly qualified as possible in his field.

Still predominantly working remotely, Tom remains focused on providing the best possible service and strives to take the stress out of what can be a stressful process in buying property.

Although the last year has not been as we had all hoped, Tom is looking forward to the year ahead with his wedding planned and hopefully a sunny holiday or two along the way.

Fun fact: During his school years Tom was on the books at Chelsea FC where he was on the path to becoming a Premier League footballer. Although that didn't quite work out, it's not all bad as he now gets to work at ij!

Shangs Vytheeswaran

Mortgage Administrator

Shangs has been with Independent James since 2018 and is continuing to build up great relationships with our clients and contacts. He takes immense pride in his work and is always willing to go above and beyond, keeping on top of matters involved in case progression.

Shangs completed his Certificate in Mortgage Advice and Practice (CeMAP) last year and is now on his way to becoming a 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 is busy looking after Simba, his cat/supervisor, who likes to make the occasional appearance during our team video calls. He also loves to keep fit and is looking forward to being able to spend more time with friends and family in the summer. A big football fan (Chelsea - boo!) and a purveyor of great food, so you can always find him in the kitchen cooking up different cuisines and honing his cooking skills.

Fun Fact: Shangs was born and raised in Germany.

Jyoti Patel

Insurance Administrator

Jo joined ij in 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 2010 after completing her degree in Business with a 2.1. She has recently completed the 'UK private healthcare system' exam in December 2020, broadening her knowledge in the Protection and PMI industry.

On a personal note, Jo has been shielding since March 2020 and learned to balance Zumba, Pilates and Yoga workouts to keep her mental and physical health in check while working remotely from home. She also gave herself a lockdown project of creating a canvas photo wall consisting of memories spent with family and friends, which spans out in the shape of a tree across the wall in her living room.

Fun Fact: Jo has found a way to have more space on the bed than her hubby by mastering how to do yoga poses in her sleep!

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 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 six continents, but there are still so many places yet to see.

Fun Fact: Once appeared on Supermarket Sweep with Dale Winton…and came last!!

Daniel Lamb

Mortgage Administrator

Dan has over 5 years experience in the mortgage industry working on the administrative side and having recently passed his CeMAP1 exam, is looking to become a mortgage broker in the near future.

A keen sports fan, Dan's spare time consists of watching West Ham, Boxing & Cricket whenever possible. Dan also spends time keeping fit and socialising, though during lockdown has become a quiz master from the comfort of home.

Fun fact: Dan used to play bass in a band, often frequenting many popular haunts in town.

Raul Rahman

Mortgage Administrator

Our newest team member, Raul previously worked for a mid-sized mortgage broker, as lead administrator for 4 years, gaining an in-depth knowledge of the mortgage process. He has acquired his CF1 and CF6 qualifications and wants to use this and his experience to provide the best possible customer service to our clients.

A fitness enthusiast, Raul likes to keep active with weightlifting and calisthenics, however as the gyms are closed at the moment he aims to walk 10,000 steps everyday to achieve his fitness goals. Raul hopes to attend the annual Wingsfest in London. Until then he likes to experiment in the kitchen with different flavours in a bid to make a combination of the spiciest/flavorsome wings!

Fun fact: Raul has been on Europe's fastest and highest rollercoaster with front row seats!



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