Finding that perfect property comes from knowing your financial position, and having the right mortgage means that you can potentially save thousands of pounds over the mortgage term. This is made possible by the independent advice available, and the fact that our in-branch financial advisors deal with whole of market financial institutions to get the best rates for clients.

Why seek a mortgage through Direct Mortgages (Philip James) Limited?

• We strive to delight each and every client – over 90% of our business comes from existing referrals.
• Our mortgage advisors work to ensure clients are financially prepared before they make an offer on a property, this puts them in the strongest position possible.
• We offer a complete ‘in house’ service and liaise with solicitors and lenders to ensure a smooth and timely completion.
• We provide end to end support from application to completion, and assist with negotiations if properties are down valued.
• We provide a professional and friendly service from experienced advisors who only have your best interests at heart.
• We are experienced in complex and high value cases, whether that is different income streams, interest only. Company buy-to-let, or special purpose vehicle (SPV).

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

Some buy-to-lets are not regulated by the Financial Conduct Authority.