The people behind your mortgage

Before property, James spent more than two decades in other careers — including as a fully qualified HGV mechanic, working on specialist vehicles around the world. That practical, corporate and investing background shapes how the business advises today.

Biggest myth about brokers? That brokers ask unnecessary questions, or can negotiate rates directly with lenders. Every question shapes which lenders will say yes.

Away from work you'll find him walking Teddy, his chocolate Labrador, on the golf course, or with his family.

Biggest myth about brokers? That advisers only help wealthy clients or people with perfect credit. First-time buyers, the self-employed and those with credit blips are all in a day's work — and the relationship should make the journey enjoyable.

What people notice first is his commitment to service: making sure every client feels supported and knows exactly where things stand.

Biggest myth about brokers? That advisers are just product pushers. The real job is understanding each client's whole financial picture and building advice around it.