James Russell Mortgage Advice

20/01/2026

The Property Ombudsman (TPO) has issued guidance to combat 'conditional selling'.

Do you really need to use an estate agents Mortgage Broker or preferred Solicitor to view a property or have an offer put forward?!

If you are looking to buy (or sell) check out this guide and know your rights -https://www.tpos.co.uk/wp-content/uploads/2026/01/Consumer-Guide-Conditional-Selling-1.pdf

01/05/2025

I'm often asked this question and there is good news! You may now be able to borrow more....

Lenders are responding to recently updated FCA guidance allowing lower 'stress rates'. This is the rate that the lender uses to ensure you can continue to afford your mortgage should rates rise in the future.

Need specific information - please get in touch

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.
Red Kite Financial Solutions is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales no. 10482925. Registered Address: c/o McGills Ltd, Oakley House, Tetbury Road, Cirencester, GL7 1US

04/03/2025

Happy to have refreshed my knowledge and passed my annual MOT test for Later Life Lending (Equity Release) via the London Institute of Banking & Finance.

Get in touch if its something you are considering.

12/02/2025

Rates below 4% for Home-movers and those Re-mortgaging. 👍

With more High Street lenders announcing rate reductions for this week!

Get in touch in you are planning to move, or your current mortgage deal is ending in the next 6 months.

10/02/2025

What is 'Protection'? 🤔

Take a look at this short video to see the types of Protection I can help you with....

https://vimeo.com/user14855064/review/449332786/6aa3a4fbb0

If you want more information, get in touch

15/01/2025

🎂🎂 1st Year Business Anniversary 🎂🎂

Proud to have successfully navigated my first year self employed😅

Delighted to have helped First Time Buyers, Home Movers and those Remortgaging along the way. Equally pleased to have guided and advised on Life Insurances, Income Protection, and Buildings Insurance!

Thanks to all my clients for your support. If you, or anyone you know, needs any Mortgage or Protection Advice please get in touch.

Here's to 2025 and helping even more of you!

16/12/2024

I had the pleasure of handing out these vouchers to some of my mortgage customers recently. They were so pleased with my service that they referred me to their friends.

If you know anyone that needs Mortgage Advice - send them my way and get yourself a little thank you when their mortgage completes! Win win!

10/12/2024

Thanks to Awdry Law LLP for the lovely Christmas gift. Those choccies won’t last long!

Look forward to working with you in 2025 helping our mutual clients with their house moves and remortgages.

31/10/2024

Only 5 months (or 104 working days!) until the thresholds on which Stamp Duty is paid, reduces down, meaning higher Stamp duty bills on property purchases! 😬

Looking to buy your first home, or move? Get in touch to understand the financial implications and benefit from the current higher allowances.


YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.
Red Kite Financial Solutions is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales no. 10482925. Registered Address: c/o McGills Ltd, Oakley House, Tetbury Road, Cirencester, GL7 1US

30/10/2024

Here we go! 😬

24/10/2024

Thinking about a Fixed rate? - Rates are going up and down like a rollercoaster!
If you need to secure a new mortgage in the next 6 months – get in touch now.
Reserving a deal early can protect you against rate rises. I monitor every case all the way to completion to make sure you benefit from a better deal should rates fall.

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.
Red Kite Financial Solutions is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales no. 10482925. Registered Address: c/o McGills Ltd, Oakley House, Tetbury Road, Cirencester, GL7 1US

Independent Mortgage & Protection Adviser with 20+ years experience.
Tel: 07766 162033
Email: [email protected]