I Represent St James's Place Group of companies (part of the HBOS Group) and I use the whole market place for mortgage sourcing.

I have been trading since 1991 and enjoy referrals from local accountants and solicitors.

I am licensed to give advice in all Mortgages, Investments, Pensions and Life & Health Insurance.

St James's Place is a Footsie 250 company with £13 billion under management.

I have one personal assistant who maintaines files, and routine administration.

My business is administered by a local office of St James' Place.

I have 300 clients mostly personal, and my strengths are in Mortgages and Investments. Prior to 1991 I spent 19 years in Retail Banking the last 6 as a branch manager.

I charge no up front fees as I rely on commissions from lenders, and insurance companies. I occasionally charge an arrangment fee on completion (max £499) for 'stand alone' mortgages e.g. Buy to Lets

I am an appointed representative of St James's Place Group who are authorised by the FSA. I am a member of the Personal Finance Society and I hold the Financial Planning Certificate, Consumer Credit and Data Protection Licences