Residential Mortgages


Buying a home is an exciting but potentially daunting prospect. First home, fixer upper, more space or forever home, the team at Nicholas James are here to make it happen.

First Time Buyers

As a first time buyer, guidance and support from an adviser is essential to ensure that you can navigate the house buying process with ease. At Nicholas James, we’re here to answer all your questions, alleviate your concerns and make the whole process effortless.

With affordable homeownership options such as Shared Ownership and various government incentive schemes available there has never been a better time to get on the housing ladder. At Nicholas James, we take pride in offering advice and guidance on all the available options.

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With lenders offering various incentives such as cashback and free legals as well as automated valuations to help boost turnaround times, it has never been a better time to consider the benefits of re-mortgaging your existing property.

Whether you are looking to raise capital towards home improvements, gifting family members with that all important deposit to help them get on the property ladder or just secure a more competitive interest rate, the advisers at Nicholas James can help source the right mortgage for you.

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