Mortgage advice that fits your life
Evening and weekend appointments, and I'm on WhatsApp any time.
Welcome, I'm James
Mortgage and protection adviser in Alsager. I help first-time buyers, landlords and homeowners across Cheshire and Staffordshire, including Alsager, Sandbach, Knutsford, Kidsgrove, Crewe and Stoke-on-Trent, and I explain your options in plain English.
I'm CeMAP qualified and work with Vickers Young, with access to the whole of the mortgage market*. Appointments are in person, by phone or by video, including evenings and weekends. Not local? I can help clients anywhere in the UK by phone or video call.
*Whole of market, excluding deals available only direct from lenders.
Buying your first home, explained properly
Buying a first home is exciting and a little daunting. I will guide you through each stage so you know what is happening and what comes next.
Worth knowing: an Agreement in Principle is an indication from a lender of what they may be willing to lend you. It is not a guarantee of a mortgage, but it is a useful starting point when you start viewing properties.
Read the first-time buyer guideAt a glance
What I can help with
Working out what you could borrow, explaining the types of mortgage, and getting an Agreement in Principle in place before you start house-hunting.
What you will typically need
Proof of identity and address, recent payslips or accounts if you are self-employed, bank statements, and details of your deposit.
I will let you know exactly what is needed for your situation.Mortgage advice for landlords and property investors
Whether it is your first rental property or your next purchase, I will explain your options and help you choose a mortgage that fits your plans.
Please note: most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Read about buy-to-let mortgagesAt a glance
Who I work with
First-time landlords, existing landlords adding to or reviewing a portfolio, and landlords considering buying through a limited company.
Tax advice
I can explain how ownership structure affects your mortgage options. For tax advice you should speak to a qualified tax adviser or accountant.
How it works
No jargon, no rush
Here is what to expect when we work together.
A relaxed first chat
We talk through your situation, your plans and any questions you have. This first conversation is about understanding you.
Your options explained
I research the market and explain the choices available to you, including the pros and cons of each.
Surveys and solicitors arranged
I can arrange a survey and a solicitor on your behalf and get quotes for you, so it is all handled in one place.
Support to completion
I help with the application and paperwork and keep you updated until your mortgage is in place.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Ready for a friendly, no-pressure chat?
Tell me a little about what you are looking to do and I will talk you through your options. Evening and weekend appointments are available, and I'm on WhatsApp any time.
I'm James Curry, a CeMAP-qualified mortgage and protection adviser working with Vickers Young.
Vickers Young Limited is an appointed representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority. FCA firm reference number: 599781.
As your adviser, I take time to understand your situation before recommending anything. Any recommendation will be based on your own circumstances following a full discussion.
We typically charge a fee of £495 however I may charge up to £995 depending on your individual circumstances. The fee will be agreed with you prior to advice being given and is payable upon receipt of a mortgage offer.
Whole of market means the whole of the mortgage market, excluding deals available only direct from lenders.
Common questions
Mortgage questions, answered
Do I need a big deposit?
Deposit requirements vary between lenders and products, and the amount you put down can affect the options available to you.
Read more RemortgageWhen should I start thinking about my next deal?
It is worth reviewing your options well before your current deal ends, so you have time to compare and arrange things without a rush.
Read more Buy-to-letCan I get a buy-to-let mortgage as a first-time landlord?
Many lenders will consider first-time landlords, though some have extra requirements. It is worth talking through your circumstances first.
Read moreWhat do I need for the first conversation?
Just yourself. It helps to have a rough idea of what you are hoping to do and your timescale, but we can work the rest out together.
Can you help if I'm self-employed?
Often, yes. Lenders look at self-employed income in different ways, so it is worth having a conversation about your situation before you apply.
Do you only help first-time buyers?
No. I help first-time buyers, home movers, landlords and people looking to remortgage, and I can also advise on protection.
Can we meet in person?
Yes. I am based in Alsager and can meet locally, or we can speak by phone or video if that is easier. Evening and weekend appointments are available.
Do I need to live locally?
No. I am based in Alsager, but I can help clients anywhere in the UK. Advice can be given by phone or video call, wherever you are.
A relaxed first step
Talk it through with James
A first conversation is a relaxed chat about your situation and goals. Sending an enquiry does not commit you to anything.
- Evening and weekend appointments
- In person, by phone or by video
- Available on WhatsApp any time