Allowing you to focus in your business

My Hero

With 14 years financial industry experience, James Carter set up Company Wills as he saw a real need to protect busy entrepreneurs who are so focused on their businesses, that they often don't receive simple advice that would safeguard all they are working towards.

Having set up his own successful practice in 2006, James has become an expert at dealing with self-employed individuals and facilitating their on-going financial requirements. Be this tailored mortgage advice or protection planning, it became apparent that there was a lack of relevant advice provided to businesses.

Becoming a conduit for many of these individuals and helping to bridge the gap between business adviser and financier, the lack of cover arranged for Company's was startling. The feedback that being able to help with all enquiries, be it often through trusted Associates, was invaluable.

"A 5 star services from start to finish. Use them!"

John Clutten, Business Owner, Broadcast Media, London

We aim to provide you with tailored advice and protection against the eventualities we have witnessed on numerous occasions. Having the right cover in place is essential. We have the UK's largest provider of Independent Financial Advice, Bankhall PMS, in the background as our independent network support, providing bulk-negotiating power, coupled with the individual service you receive from ourselves.

James is a frequent provider of media and industry comment, including BBC's Working Lunch, Money Marketing, The Times and FT Adviser. James is also a member of numerous professional associations and a Yahoo! Answers expert. His latest professional achievement is CerGI - the Certificate in Regulated General Insurance, having started with his Financial Planning Certificates in 1998. All staff are encouraged to train and sit appropriate examinations to ensure their growth and the company's with it.

Outside of the office James is a keen runner, with a few half marathons under his belt, to allow him to indulge in his foodie passion. Of the weekend the odd football may be kicked, hike completed and gig attended.

Please contact us for a free initial consultation


We’re a team of independent mortgage advisers.
We take the hassle out of finding the right mortgage

James Carter


With 18 years’ experience working in the Independent Financial Services arena (I know it’s hard to believe!), Mortgages and Financial Protection advice have always been his main business areas of expertise.

As highly qualified as possible in the industry, James is also a member of the Association of Mortgage Intermediaries and a frequent media commentator. James has built the company to be much respected within the industry, maintaining key account status with all top lenders.  

A coffee lover always at hand for a chat and espresso. An armchair football expert, Middlesbrough mad and gym bunny to boot. Family is everything.

Oliver Marley

Mortgage Adviser & Head of Research

Oliver has been working in financial services for 6 years now and has been with ij for the last 3.  A fully qualified Mortgage Adviser, gaining distinctions in his Mortgage examinations, Oliver is also Head of Research. 

Determined to travel the world, he is always visiting new and interesting places, most recently travelling to Germany to visit the famous Nurbugring.  

Passionate about customer service and always ready to go the extra mile, Oliver is a key member of the team and always ready to chat over a Green Tea.

Thomas Costelloe

Client Liaison & Trainee Mortgage Adviser

Having recently passed with Certificate in Mortgage Advice and Practice, Tom is making heady progress in becoming a specialist mortgage paraplanner and researcher. Having graduated from the University of Brighton with a 2:1 BSc in Finance & Investment, he initially started his career within the Lifetime mortgage market before moving to Independent James in 2015.

Outside of work he is a keen footballer playing in the competitive combined counties league. He also enjoys playing golf, albeit more of a fair weather player; this will generally be where he is found of a weekend during the summer months.

Ryan Skingle

Mortgage Administrator

Ryan joined ij in May 2017, and liaises with clients, mortgage providers and solicitors until the transaction is complete. Realising customer service is essential and wanting to do the utmost for every client.

After completing his Certificate in Mortgage Advice and Practice in 2015 he backpacked around Australia and South East Asia before returning to reality to pursue his ambition to work his way up to become a Mortgage Advisor.

Outside of work he’s an avid gym goer, as well as maintaining a healthy dose of pizza, but mainly has a passion to see much more of the world after getting a taste of it.

Emily Pallagi

Accounts Administrator

Working remotely from her home in Ripon, Emily has the dubious pleasure of being one of James’ friends and has been with ij for 8 years now. If you receive an email from Emily it may well be asking you for money but be kind she is lovely and has a Triathlon habit to feed (as well as the kids!).  

Charles Edwards

Compliance Consultant

Charlie has been working in the financial services industry since 1985, starting his career with Albany Life, later to be merged with Canada Life. He worked in a variety of roles, including sales and technical training, before moving into compliance. He has extensive compliance and regulatory experience, having worked for national compliance support companies including The Tenet Group, and for over ten years with Bankhall PMS Ltd, finally setting up his own successful Compliance Consultancy company. He has been supporting ij since 2015. Outside of work his passion is travel, having been to all five continents, but there are still so many places yet to see.  



It is important for us, as a firm regulated by the Financial Conduct Authority (FCA), to inform you about the way we operate...


Case Studies

In this section we are providing you of real life example scenarios where we have been able to assist our clients...