Henry James Mortgage and Financial Solutions

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Henry James Mortgage and Financial Solutions
If you require any type of Mortgage advice or Protection advice, please call 01509 733072 / 07803 821213 or email [email protected]

🎒 Back to School. Back to Protection.September is a time for fresh starts, new routines and planning for the year ahead....
08/09/2026

🎒 Back to School. Back to Protection.
September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?
🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?
💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

🏡 Mortgage deal ending in 2027? Let’s chat now.Why so early?Because when your current mortgage deal is coming to an end,...
06/09/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:
🔎 Review your current mortgage and circumstances
📊 Look at what's happening across the wider mortgage market
⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance
🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.
I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send me a message and I'll make sure we're ready when the time comes.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

💼 Self-employed? Your income is your business’s biggest assetIf you're self-employed, what happens when you can't work?U...
03/09/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent
💡 Household bills
🚐 Vehicle and business costs
🛒 Everyday living expenses
👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?
£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?As summer starts to draw to a close, have those sunny da...
23/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🩺 Critical Illness Cover vs Income Protection: What's the Difference?They both provide financial support when illness af...
21/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover
If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:
Pay off or reduce your mortgage
Cover household bills
Make changes to your home
Take time away from work
Help with recovery costs

💼 Income Protection
If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:
Mortgage or rent
Household bills
Everyday living costs
Family commitments

Think of it this way:
🩺 Critical Illness Cover = A lump sum following a covered diagnosis.
💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us for a protection review.

🏡 Buying a home? Don't forget these costs...Saving for your deposit is a huge milestone, but it's only one part of the b...
12/08/2026

🏡 Buying a home? Don't forget these costs...

Saving for your deposit is a huge milestone, but it's only one part of the budget when buying your home.

Before you get the keys, it's worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I'm here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let's make sure you're fully prepared.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🌿 August is National Wellness Month 🌿When we think about wellness we often think about eating well, staying active and l...
07/08/2026

🌿 August is National Wellness Month 🌿

When we think about wellness we often think about eating well, staying active and looking after our mental health. But there's another part of wellbeing that's often overlooked...
💙 Financial wellness.

No one expects to become seriously ill or be unable to work, but if the unexpected happened, would you have the financial support you need?

❤️ Life Cover can help protect the people you love.
🩺 Critical Illness Cover can provide financial support following the diagnosis of a covered serious illness.
💼 Income Protection can help replace part of your income if illness or injury means you can't work.

Looking after your wellbeing isn't just about living well today, it's about preparing for tomorrow too.

This National Wellness Month, make your financial wellbeing part of your self-care routine. 🌱

📞 Not sure if you have the right protection in place? Speak to us today for a no-obligation protection review and let's make sure you and your loved ones are prepared for whatever life brings.

🏡 Want to buy a home with little or no deposit?A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeowne...
31/07/2026

🏡 Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:
✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)
✅ Available for purchases and remortgages
✅ Up to 4 applicants' income can be considered (subject to affordability)
✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🏗️ Protect your income – and your businessBeing self-employed means you're in control of your business...But it also mea...
29/07/2026

🏗️ Protect your income – and your business

Being self-employed means you're in control of your business...
But it also means your business relies on you. 💼

If illness or injury stopped you from working, your income could reduce or stop altogether. But many of your fixed business costs would still need to be paid. 📋

These could include:
🚐 Van or vehicle lease payments
🏢 Rent for your business premises
🛠️ Equipment or machinery hire
🛡️ Business insurance
💡 Utility bills
💳 Loan or finance repayments
📞 Phone, broadband and other essential business expenses

These are known as fixed costs because they continue whether you're working or not.

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury. Even better, if you're self-employed, eligible fixed business costs may also be taken into account when calculating how much cover you can have, helping you protect more than just your income.

That means you could have greater financial support to help keep both your household and your business running while you focus on your recovery. ❤️‍🩹

📞 If you're self-employed and would like to find out how Income Protection could help protect both you and your fixed costs, get in touch today.

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡With International Self-Care D...
26/07/2026

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡

With International Self-Care Day on 24th July, it's a great reminder that financial wellbeing is an important part of self-care.

For many aspiring homeowners, the biggest hurdle isn't the monthly mortgage payment - it's saving enough for a deposit.

The good news is that new mortgage options are becoming available to help more first-time buyers get onto the property ladder, including products that may offer:
🏡 Up to 98% loan-to-value
💷 Deposits from as little as £5,000
📈 Higher income multiples for eligible applicants
🤝 Free Standard valuation

Every lender has different criteria, and these products won't be suitable for everyone. That's why getting independent mortgage advice is so valuable. A broker can help you understand what's available and find a mortgage that's right for your circumstances.

📩 Drop me a message for information on the lender offering the above.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Address

3 Turner Close
Loughborough
LE128DQ

Telephone

+441509733072

Website

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