Transparency & Flexibility

"I can honestly say I have found the service invaluable "
C Foot, Director, Enterprise Logic, London

Independent James aims to provide comprehensive independent financial advice through a team of skilled staff and specialised Associates. Our primary focus is customer care as we realise the importance of this in such an emotive area.

Independent James has the administrative support of the largest provider of Independent Financial Advice in the country, Sesame, which enables us to have the benefits of both a small and large company.

James Carter: Principal

James has 11 years experience working in the Independent Financial Advice arena. Mortgage and Protection advice have always been his main business areas and James’ vision for customer service entails a one to one service combined with comprehensive administrative support.

James is a frequent provider of media and industry comment, including BBC’s Working Lunch, The Times, Money Marketing, FT Adviser, Mortgage Strategy and Mortgage Introducer magazines. James is also a member of the Association of Mortgage Intermediaries.

Professional Qualifications

July 2008	Completion of Advanced CeMAP - Alternative Residential Lending Solutions - Fundamentals of Alternative Residential Lending
June 2007	CeSRE Certificate in Supervising in a Regulated Environment (Advanced CeMAP)
July 2006	CeRCC Certificate in Regulated Customer Care (Advanced CeMAP)
July 2005	SV1 Savings & Investments (Advanced Financial Planning Certificate)
December 1999	CeMAP Certificate in Mortgage Advice & Practice
Oct 1998- April 1999	Financial Planning Certificates 1, 2 & 3

Your home may be repossessed if you do not keep up repayments on your mortgage.

Independent James are authorised and regulated by the Financial Services Authority – ref: 459851. This covers residential mortgages, general insurance and pure protection. We typically charge a fee for our advice, payable upon completion dependent on complexity of advice but on average £300.