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Independent James

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United Kingdom
London
Independent James

We help people find ethical, tailored mortgage solutions—whether you’re a freelancer, first-time buyer, or remortgaging. Based in London. Carbon neutral 🌱

Independent, expert advice with a personal touch.

03/09/2026

🔮 A 40-year mortgage sounds like a very long commitment. But does taking one out really mean you’ll be paying it for the next 40 years?

Not necessarily.

For some buyers, a longer mortgage term can be a strategic way to make monthly repayments more manageable in the early years of homeownership - without necessarily committing you to that repayment structure forever.

Your circumstances can change. Your mortgage can too.
From reviewing your term when you remortgage to making overpayments where your mortgage allows, there may be opportunities to reduce your balance and potentially become mortgage-free sooner.

So, no crystal ball required. ✨

The important thing is understanding your options and finding a mortgage that works for where you are now, while keeping an eye on where you want to be.

Swipe as we demystify the 40-year mortgage. 👉

💬 Thinking about a longer mortgage term, or wondering whether your current mortgage still works for you? Get in touch with the Independent James team and we’ll help you understand your options.

📩 [email protected]
📞 020 3848 6500

T&C'S: SUBJECT TO INDIVIDUAL CIRCUMSTANCES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

01/09/2026

🍂 There’s something about September that feels a little like a second New Year…

Summer winds down. Routines return. Diaries fill up again.
… and all those things you said you’d sort after summer suddenly make their way back onto the to-do list. 👀

If your mortgage or protection is on that list, now is a great time to do something about it.

Perhaps your current mortgage deal is coming to an end. You’re thinking about moving. You’ve been meaning to review your protection. Or you simply want to know whether what you already have in place is still right for you.

Whatever’s been sitting on that list, you don’t need to figure it all out yourself.

💚 Let’s get things moving.

Get in touch with the Independent James team today and we’ll help you understand your options, make a plan and get one more thing firmly ticked off that list. ✓

📩 Send us a DM or contact the team to start the conversation.
📩 [email protected]
📞 020 3848 6500

T&C'S: SUBJECT TO INDIVIDUAL CIRCUMSTANCES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

28/08/2026

You don't always have to wait until your current mortgage deal finishes before looking at your next one.

Many lenders allow you to secure a new rate several months before your existing deal expires.

Planning ahead could help you avoid moving onto a higher variable rate.

If your fixed rate is ending this year, now is a great time to start exploring your options.

📞 020 3848 6500
📧 [email protected]
🌐 www.independentjames.com

T&C'S: SUBJECT TO INDIVIDUAL CIRCUMSTANCES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

26/08/2026

Life doesn’t always go to plan. But the right protection can help make sure your finances are prepared when it doesn’t. 💚

Life Protection, Critical Illness Cover and Income Protection can all provide valuable financial security - helping to protect you, your family and the life you’ve worked hard to build.

The important question isn’t simply whether you have protection in place.

It’s whether you have the right protection in place for you.

At Independent James, we can review your circumstances, explain the options clearly and help you find cover that suits your needs and priorities.

📩 [email protected]
📞 020 3848 6500

All protection plans are subject to the product provider’s underwriting and terms and conditions. It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy. Failure to disclose material information to the insurer could invalidate the cover and may mean that all or part of any claim may not be paid.

Please note these policies have no cash-in value at any time.

24/08/2026

🎉 600+ Google reviews!

Another milestone for Independent James - and one we're incredibly proud of.

From first-time buyers and home movers to remortgages, self-employed applicants and more complex cases, every review represents someone who trusted us to help with one of life's biggest financial decisions.

And more than 600 of you have now taken the time to tell others about your experience. 💚

A few of our recent favourites:
⭐ “Highly rated. Highly trusted.”
⭐ “One of the best experiences I have ever had with a financial services company.”
⭐ "Friendly, patient, competent, supportive..."
⭐ "Brilliant at finding mortgage deals other brokers find difficult."
⭐ "We've been using Independent James for 12+ years..."

Thank you to every client who has trusted us, returned to us, recommended us to friends and family, and taken the time to leave a review.

We read, appreciate and personally reply to every single one.

600+ reviews. Five-star rated. And still just as grateful for every one. 🙌

Here's to the next milestone!

T&C'S: SUBJECT TO INDIVIDUAL CIRCUMSTANCES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

21/08/2026

Being self-employed doesn't mean you can't get a mortgage.

It simply means lenders assess your income differently.

Whether you're a sole trader, limited company director or contractor, there are lenders who understand different ways of working.

If you're self-employed and wondering what's possible, get in touch for independent advice.

📞 020 3848 6500
📧 [email protected]
🌐 www.independentjames.com

19/08/2026

Behind every mortgage is a person. 💚

Today is - a day that recognises the people around the world who dedicate themselves to helping others.

We're certainly not comparing what we do to humanitarian work. But it is a timely reminder of something we believe very strongly at Independent James:

People come first. Always.
Behind every application is a person, a family, a plan, a worry, a change in circumstances or a hope for what's next.

That's why good mortgage advice isn't just about rates and numbers. It's about listening. Understanding. Explaining. Supporting. And sometimes simply being the calm voice at the end of the phone when everything feels a little overwhelming.

Today, we're celebrating those who take that commitment to helping others to an extraordinary level. 💚
Need some human, straightforward mortgage advice? Drop us a DM.

T&C'S: SUBJECT TO INDIVIDUAL CIRCUMSTANCES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

17/08/2026

🎉 One year of Rena at Independent James! 💚

Today we're celebrating a whole year since Rena joined the IJ team - and what a year it's been!

From taking on new challenges and building her knowledge to supporting our clients with their property and mortgage goals, Rena has become a brilliant part of the team.

We'll let Rena tell you the rest in her own words ... 👆

Thank you for everything you've brought to IJ over the past 12 months, Rena. We're very lucky to have you - and we can't wait to see what year two brings! 🥂💚

Happy 1st IJ anniversary, Rena! 🎉

12/08/2026

We've all been there ...

One quick Google search turns into 47 tabs, each with different opinions and even more questions than you started with. 🤯

While there's plenty of useful information online, every mortgage journey is different. What's right for one person might not be right for another.

Whether you're self-employed, a first-time buyer, moving home or simply wondering what your options are, we're here to give you clear, straightforward advice that's tailored to you.

Sometimes, a quick conversation beats hours of searching.

📩 Got a mortgage question? Drop us a message or get in touch – we're always happy to help.
📞 020 3848 6500
📧 [email protected]
🌐 www.independentjames.com

T&C'S: SUBJECT TO INDIVIDUAL CIRCUMSTANCES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MORTGAGE REPAYMENTS.

10/08/2026

Every business has a contingency plan for equipment, systems or finances ...
But what about the people who keep the business running?

We recently worked with a growing company that had achieved fantastic success but had no protection in place for its key people or shareholders. If one of those individuals had passed away or become critically ill, the financial and operational impact could have been significant.

By arranging a combination of Key Person Protection and Shareholder Protection, we helped the directors put a clear strategy in place to protect the future of their business, provide certainty for shareholders and their families, and give everyone greater peace of mind.

Every business is different, which is why there's no one-size-fits-all solution. The right protection should be tailored to your business structure, your people and your long-term goals.

Swipe through to see how we helped.

If your business relies on key individuals or has multiple shareholders, now is a great time to review whether you have the right protection in place.

📞 020 3848 6500
📧 [email protected]
🌐 www.independentjames.com

T&C'S: All protection plans are subject to the product provider’s underwriting and terms and conditions. It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy. Failure to disclose material information to the insurer could invalidate the cover and may mean that all or part of any claim may not be paid.

Please note these policies have no cash-in value at any time.

Address

54 Kingsway Place, Sans Walk
London
EC1R0LU

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://independentjames.com/

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