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 22 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 a pour-over. An armchair football expert, Middlesbrough mad, a MAMIL and (formerly) gym bunny to boot. Reading a lot more at present – Malcolm Gladwell, Murakami and Alan Bennett particularly favourites. Family is everything.

Fun fact: James started his entrepreneurial journey organising nationwide nightclub coach trips whilst at uni!

Oliver Marley

Mortgage Adviser & Head of Research

Oliver has been working in financial services for 10 years now and has been with ij for the last 7.  A fully qualified Mortgage Adviser, gaining distinctions in his Mortgage examinations, Oliver is also Head of Research and currently halfway through his CeMap Diploma. 

Determined to travel the world and passionate about cars, he is keen to get back out there once restrictions are lifted to visit new and interesting places; most recently combining both interests and driving to Germany for a few laps around the famous Nurbugring.  

Committed to customer service and always ready to go the extra mile, Oliver is a key member of the team and always ready to chat (remotely!) over a Green Tea. An early starter, you’ll often find him logged on at 8am - keen to accommodate client needs wherever possible.  

Fun Fact: Oliver is in the middle of his own house renovation project; juggling several balls at once! 

Thomas Costelloe

Mortgage Adviser

Tom has been with ij for over 6 years now and having passed his Certificate in Mortgage Advice and Practice (CeMAP) he has been one of our key Mortgage and Insurance Advisers for over 3 years now. Currently working remotely, Tom is always available to assist with even the most complex of enquiries and is dedicated to providing the best possible service. 

With current restrictions in place, Tom's normal life of playing football and socialising has been replaced with home-cooked meals and weekends on the golf course, albeit keeping to social distancing rules!

Having had to postpone his wedding due to the outbreak, Tom has a busy 2021 planned; though it gives him time to complete his CeMap Diploma this year!

Fun fact: During his school years Tom was on the books at Chelsea FC where he was on the path to becoming a Premier League footballer. Although that didn't quite work out, it's not all bad as he now gets to work at ij!

Shangs Vytheeswaran

Mortgage Administrator

Shangs has been with Independent James for over a year now and already built up great relationships with our clients and contacts. He takes immense pride in his work and is always willing to go above and beyond for our clients, keeping on top of matters involved in case progression.

Shangs has now completed his Certificate in Mortgage Advice and Practice (CeMAP) and is on his way to becoming a Mortgage Adviser. He previously worked at a local mortgage firm whilst completing his degree in Financial Mathematics at the University of Kent.

Outside of work, he loves to keep fit and is looking forward to being able to spend more time with friends and family. A big football fan (Chelsea - boo!) and a purveyor of great food, so you can always find him in the kitchen cooking up different cuisines and honing his cooking skills.

Fun Fact: Shangs was born and raised in Germany.

Jyoti Patel

Insurance Administrator

Jo joined ij in June 2017 with a wealth of knowledge in the protection world. She works closely with the advisers providing in-depth research and information on general insurance and pure protection.  

Jo has been in the protection industry since 2010 after completing her degree in Business with a 2.1. She has also completed her financial protection exam and is currently studying the UK private healthcare system.

She dreams to travel the world one day, but her career has always come first! Jo has learned to balance Zumba, Pilates and Yoga workouts while working remotely from her living room. She also started reading legal thrillers and is really digging it! 

Fun Fact: Jo's first job as a bartender in a pub lasted 3 days – she couldn't hack the drunken punters!

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 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 six continents, but there are still so many places yet to see.

Fun Fact: Once appeared on Supermarket Sweep with Dale Winton…and came last!!

Daniel Lamb

Mortgage Administrator

The newest recruit at Independent James, Dan had previously worked for a local mortgage firm in Essex where he spent four years as an administrator, picking up valuable knowledge of the industry.

With the intention of becoming a mortgage broker in future, Dan is currently studying to take the first part of his CeMAP exam.

A keen sports fan, Dan's spare time consists of watching West Ham, Boxing & Cricket whenever possible. Dan also spends time keeping fit and socialising, especially since starting work in London. Now in lockdown, Dan has turned his attention to DIY to keep occupied on weekends.

Fun fact: Dan used to play bass in a band, often frequenting many popular haunts in town.



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Case Studies

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