Nicholas James Mortgage & Financial Services Ltd is an advisory firm dedicated to providing independent and whole of market advice to private individuals, property investors and small businesses.

With over 10 years of experience in the financial services industry, we ensure that our clients are at the heart of everything we do. Our focus is on understanding your individual needs through careful factfinding, before tailoring our recommendations to suit your unique priorities and budget.

In addition, our established relationships with other industry leading professionals allow Nicholas James the additional flexibility to support our clients with their commercial funding and estate planning needs.

At Nicholas James, we ensure that our advisers and support team are experienced, proactive and accessible guaranteeing that from an initial enquiry through to completion the client journey is effortless

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.

The Financial Conduct Authority does not regulate will writing, taxation, trust advice and commercial lending.

Our advisers provide advice across a wide range of services including:


The professionalism and straight-forward approach from Nicholas James made the whole process of re-mortgaging very clear and stress-free for me. I felt reassured and confident that they understood my situation and the best possible package has been obtained for me. They kept me updated throughout the process and were happy to re-explain something if I didn’t understand (which is very important!) and managed my expectations within a tight time-frame. I will definitely use Nicholas James again in the future and have recommended them to family, friends and colleagues.

Mrs G Acton

Nicholas James are outstanding within their line of work. I have had the pleasure of having Nicholas James’ professional support and guidance for over 7 years now they have always delivered. The team at Nicholas James have a wealth of experience and clearly know what they are doing. Nicholas James are reliable, trustworthy and will always keep you updated every step of the way. My family and I are now in our forever home. This is all down to Nicholas James. We are customers for life and would recommend them to anyone.

Mrs N Caines

My wife and I have used Nicholas James for a number of years for our mortgage requirements, as well as our mortgage protection, and have had an excellent experience. It is always a smooth process, and we would highly recommend their services.

Mr & Mrs Ferraro