James Marriott - Kingsbridge Specialist Finance

01/04/2026

Development funding offer secured! Very active developer/builder/investor was granted planning permission on an old day centre to convert to flats. We secured them a day 1 capital raise to help forward fund the build and 100% of the development costs on a drawdown basis. Get in touch if you have any specialist lending needs.

13/02/2025

At the risk of blowing my own trumpet, getting reviews like this really makes it all worthwhile. It was brilliant to be able to help Darren when he'd been told that he stood no chance of getting a mortgage by other brokers. Really chuffed that they are due to complete on their purchase tomorrow!

★★★★★ "James what can I say. Thanks so much for helping us get out home when others said we can’t do it. The tireless effort you put into finding a mortgage for us will not be forgotten as the challenges you faced were not easy. There was a lot pressure to get this deal and you delivered...

24/01/2024

If you saw Martin Lewis’s Money Saving Expert programme last night, you’ll know that the year is looking a little more hopeful for homeowners and those wishing to get their first mortgage.

There were a couple of key points which we agreed with:

Forget external circumstances that you cannot control.
Look at where you are now. You cannot control what happens to the markets or any events that may affect them – you can make informed decisions based on your circumstances.

‘Do what is right for YOU and do it intelligently’.
We loved this quote, and it aligns with our values – your circumstances are unique to you, get as much information and advice as you can and make a decision which works for you and your life.

Talk to a mortgage broker.
We have access to acceptance criteria and information you don’t. We would absolutely agree with this. Also, there are some deals only we can access, so it makes sense to talk to us or another advisor.

We would add that although predictions are looking hopeful in terms of interest rates coming down a little, no one can be certain. These are predictions only and don’t consider any changes in world, or local events which could affect our economy.

Our advice?
Like Martin said, do what is right for you and get professional advice from a mortgage advisor such as ourselves which is right for you and your circumstances.

If you’d like to discuss what might be right for you then drop me a message or give me a call.

And you can view last nights programme here: https://www.itv.com/watch/the-martin-lewis-money-show-live/2a1827/2a1827a0156

*Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Martin's Big Briefing is packed with information on mortgages, renting, house prices and interest rates as he is joined by a team of specialists to answer your queries.

18/09/2023

Are you thinking of buying your first property?

Buying your first home can be confusing. Especially as there is a lot going on in the housing market and a lot of schemes to help first time buyers - it can be hard to know where to start!

We have a blog for first time buyers on our website, and I can help you navigate this process, right through to completion and beyond.

Get in touch if you’d like to talk through your options.

https://kingsbridgemortgages.co.uk/a-guide-for-first-time-buyers/

A guide for first time buyers Buying your first home is one of the biggest purchases you will make and it’s most probably something you have been thinking about for some time. There is a lot of advice for first time buyers and there is no one size fits all when it comes to your first mortgage. ....

30/06/2023

One of the biggest causes of stress when buying a home is the property chain! This is where a group of home buyers and sellers are dependent on one another when purchasing a house – for example the owner(s) of the house you want to buy might need to find a house to buy themselves first, and those buying your house may need to sell theirs.

There is no hard and fast rule on this, but the length of a property chain can vary anywhere from 3 properties right up to 10+ properties. Understandably, the more in the chain, the more challenges can arise.

Our latest blog takes a look at property chains and gives you some tips on how to make the process as smooth as possible.

https://kingsbridgemortgages.co.uk/how-to-manage-a-property-chain/

24/05/2023

Are you considering buying your first property?

Spring and summer are popular times for home owners to purchase a property, and if it’s your first time it can be daunting. We have helped many first-time buyers purchase their first home and have collected the top 10 most common questions asked when they start out on this process.

You can read the blog here:
https://kingsbridgemortgages.co.uk/a-guide-for-first-time-buyers/

A guide for first time buyers Buying your first home is one of the biggest purchases you will make and it’s most probably something you have been thinking about for some time. There is a lot of advice for first time buyers and there is no one size fits all when it comes to your first mortgage. ....

17/05/2023

If a lack of a deposit has been holding you back from purchasing your first home, I have good new for you!

Skipton Building society has just released its first 100% Mortgage, aimed at renters who don’t have a deposit to purchase their first property.

This is welcome news for many renters and means they can get on the property ladder without a deposit.

There are some terms and conditions in order to meet the eligibility.

Applicants must be over 21 and first-time buyers with proof that they’ve been paying rent and all household bills for at least 12 months in a row.

If you think this product may help you purchase your first home, then get in touch.

20/04/2023

Beautiful spring morning. Perfect house hunting weather! If you’re in the market for a new place, get in touch and we can discuss your mortgage options.

02/02/2023

The Bank of England has increased rates by a further 0.5% today, to a 15-year high of 4%. This will understandably cause concern for clients with the potential for mortgage costs to increase again.

With huge numbers of people on standard variable rate mortgages, it’s more important than ever to get good, trusted advice and remember at Kingsbridge, we don’t charge a fee, so the reassurance and support you need, will not cost you a penny!

Get in touch today.

05/01/2023

https://www.canva.com/design/DAFWy9aXVHA/oPcB-UQSu54at0gzbBBrWw/view?utm_content=DAFWy9aXVHA&utm_campaign=designshare&utm_medium=link&utm_source=homepage_design_menu

Are you a first time buyer, thinking of buying this year? Not sure what options are around now that Help to Buy has finished? I've got you - have a read of this...

Check out this Document designed by James Marriott.