Unlike many of our competitors, we source mortgages for our clients from a wide variety of lenders. It is therefore important that you speak to one of our advisers personally to ensure that we are able to obtain the best arrangements possible from this expansive source.

You can be assured of the best quality of help from our staff as each of our advisers has advanced financial services qualifications

For one of our advisers to contact you to discuss your requirements please complete our easy express application form.

You may use our resources to obtain mortgage finance at the most competitive rates from the UK's leading lenders whatever your individual circumstances

If you are having difficulties obtaining a mortgage due to Bad Debt, Defaults, CCJ's, Past bankruptcy, Missed payments, or IVA?  Let our advanced qualified advisers help you.

Why not see for free if you could be paying less for your mortgage by moving to a more competitive lender? We will aid you in maximising savings.

Should you need to raise funds for reasons such as home improvements, buying a second home, purchasing a car or boat or to take a holiday of a lifetime, we can assist you.

Do you wish to consolidate existing borrowings into one affordable monthly payment?

Please take some time to browse our site or alternatively call us free to talk with one of our advisers.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED UPON IT 

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James Cargill Ltd is authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. James Cargill Ltd is licensed under the Consumer Credit Act 1974 to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling, credit reference agency and canvassing off trade premises.

Only upon completion our fee is up to 3% (maximum).

In simple terms the Data Protection Act requires companies and individuals who process and retain information about their customers to tell the customer how the information will be used and to what purposes it will be put. The Act does not restrict itself only to information kept on a computer; it is relevant to any ordered filing system. The information below describes how your data will be processed. If your information is to be processed differently the trader will tell you.

Call Recording: Calls to our offices may be recorded, this is for our protection and yours. Calls are used for training and monitoring purposes and may be used in the unlikely event of a complaint.

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

In some instances lower payments from debt consolidation may result in the lengthening of repayment terms leading to higher overall interest payable.

The overall cost for comparison is 7.9% APR. We expect at least 66% of our customers to achieve a rate better than this.