Water Ripples



Independent Mortgage Advice tailored to your circumstances.

*Your home may be at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

**Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

First Time Buyer

If you are buying your first home we know it can be a little daunting.  We will take extra time and care to make the process as simple and stress free as possible for you.


We can discuss your potential borrowing capacity and monthly costs in advance of your house hunting, as well as providing a decision in principle to back up any offer you make on a property.


Whether you want to release additional money from your home or are simply looking for a better interest rate we can search the market and find you the most appropriate deal.

Buy to Let

Whether you have one buy to let or are a portfolio landlord the buy to let market is constantly evolving due to taxation and legislation. We work with landlords to provide flexibility and control.

Help to Buy

If you can’t quite afford the mortgage on 100% of a home then the government Help to Buy scheme is designed to help get you on the housing ladder with smaller deposits needed.

Buying Additional Properties

Looking to add to your portfolio?  Buying a holiday home? Or looking to buy your first Buy to Let, we may be able to raise the deposit from your existing property to get things moving faster.

Right to Buy

Purchasing your home from the council can offer significant initial discounts on the purchase price to help you own your own home. We can offer a helping hand through the process.

Debt Consolidation

Consolidating debt against your home can be risky, but sometimes it also makes great financial sense.  We are happy to walk you through the pros and cons of your personal situation.

Secured Loans

If you cant remortgage but need to raise funds for home improvements, debt consolidation or any other acceptable reason we have access to secured loans, which may work for you.

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"Ed helped us buy our first home. He was helpful and informative through the whole process and we'd highly recommend him to anyone looking to buy. His knowledge and experience made the whole thing a lot easier!."

 A van Rooyen, Huddersfield



Based in Holmfirth, West Yorkshire​

Email: ed@edwin-james.co.uk
Tel: 07977 143 379

For any general inquiries, please fill in the following contact form:

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