James Cross - Future Thinking Finance

James Cross - Future Thinking Finance Approved by The Openwork Partnership on 08/04/2026 ADV 33129

Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

07/04/2026

If your household income is changing (maternity/paternity leave or returning part-time), its worth reviewing your protection.

The goal: keep things comfortable even when income shifts. ✅📩

Want to sense-check your options? Message us today!
07503144012 / [email protected]📞📧



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct

Approved by The Openwork Partnership on 23/02/2026

Just a little reminder of all the ways we’re here to help - whether you’re buying your first home, moving, remortgaging,...
18/03/2026

Just a little reminder of all the ways we’re here to help - whether you’re buying your first home, moving, remortgaging, or reviewing your protection. Mortgages and peace of mind, all in one place.
Get in touch to discuss your options today. 07500314401 / [email protected]



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 23/02/2026

Shared Ownership schemes come with eligibility rules (often linked to income and local criteria).If you’re unsure whethe...
09/03/2026

Shared Ownership schemes come with eligibility rules (often linked to income and local criteria).

If you’re unsure whether you qualify, we can help you figure it out and what lenders may be open to. ✅

Get in touch with us today to discuss your options. 07500314401 / [email protected]📞📧






Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 23/01/2026

26/02/2026

Two people can have the same mortgage balance but totally different protection needs. 🛡️✨

It depends on:
- dependents
- savings and employer sick pay- job type (risk/contract)
- existing policies

A good review isn’t about “selling” - it’s about making sure the cover actually works when needed. Get in touch today to discuss your cover options. 07500 314401 / [email protected]📞📧



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 13/01/2026

17/02/2026

Pancake Day = your reminder that deposits are built in layers, not luck 🥞💷

If saving feels slow, try stacking it like this:

1. set a standing order for the day after payday (even small)
2. Layer 2: round-ups into savings (set + forget)
3. Layer 3: pick 1-2 “no-spend swaps” per week (coffee/lunch/takeaway)
4. Layer 4: any bonus, refund, or cashback goes straight into the pot
And keep a separate buffer, so you don’t have to dip into the deposit when life happens.

Do you need help worth estimating what deposit you’ll need for your price range? Get in touch with Future Thinking Finance today! 07500314401 / [email protected]📞📧



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 13/01/2026

10/02/2026

It’s easy to fall in love with a listing price ❤️🏡 - but the true cost includes:

- legal fees + searches
- survey
- moving costs
- potential repairs / furnishings
- (sometimes) lender fees

If you want, we can break down a realistic “all-in” budget for your purchase price so there are no nasty surprises. Contact us on 07500314401 / [email protected]📞📧.



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 13/01/2026

09/02/2026

Mortgages can be confusing - rates, lenders, criteria and paperwork can quickly become overwhelming.
A mortgage adviser can:
✅ Search more lenders than you’ll find on your own
✅ Save you time and stress
✅ Offer tailored advice for your situation
You don’t have to figure it all out alone.
💬 Message me for friendly, professional mortgage advice. 07500314401 /[email protected]📞📧


Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 17/12/2025

INTEREST RATES HOLD AT 3.75%No Shocks. No SurprisesGreat news for buyers, sellers and homeowners 🏠Lot's of people asking...
06/02/2026

INTEREST RATES HOLD AT 3.75%

No Shocks. No Surprises

Great news for buyers, sellers and homeowners 🏠

Lot's of people asking "But what does this mean?"

A lot of 5-year fixed rates taken around 2020/2021 are due to end over the next few months. 🔄One of the biggest benefits...
04/02/2026

A lot of 5-year fixed rates taken around 2020/2021 are due to end over the next few months. 🔄
One of the biggest benefits of reviewing your remortgage early is control:
✅ You can secure a new deal ahead of time (and avoid drifting onto a higher SVR)
✅ You can compare options properly - not rush it at the last minute
✅ You can plan your budget with a clear payment picture
Even if you’re not sure whether to switch, a quick review gives you a plan and timelines. Give us a message and we can discuss what options to consider and when to act. 07500314401 /[email protected]📞📧

Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 13/01/2026

Extensions, garages, kitchens or extra bedrooms - sometimes staying put but upgrading is an ideal move. A remortgage cou...
27/01/2026

Extensions, garages, kitchens or extra bedrooms - sometimes staying put but upgrading is an ideal move. A remortgage could help fund it.

📩 Message me to explore improvement options. 07500314401 / [email protected]📞📧



Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 17/12/2025

On 14th – 19th November, Doctors across England will take part in a strike. This of course will impact waiting times for...
19/11/2025

On 14th – 19th November, Doctors across England will take part in a strike. This of course will impact waiting times for GP appointments, diagnostics, and elective procedures. Ultimately this will also apply even more pressure on the NHS and their patients.

By having private medical in place, could essentially alleviate said pressures on the NHS and potentially bypass NHS waiting times in order for YOU to get access to treatment faster.

This in turn could mean to you and/ or your family faster access to treatment, speed up recovery time and helping you return work & lifestyle sooner.
Teamed with Income Protection, could provide not only with fantastic treatment solutions but financial peace of mind whilst undergoing the treatment.

If you are interested in exploring your options to protect you and/or your family, please do not hesitate to get in touch with the team today!
Private Medical Insurance is offered on a referral basis.

Future Thinking Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 18/11/2025

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Wellington
TA218LD

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

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+447500314401

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