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Emily James financial services ltd

York

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About

Are you looking for clear honest advice without any hidden costs. I am an experienced mortgage advisor who believes that great service should not come with a hefty price tag - That is why I DO NOT CHARGE a broker fee. Whether you are buying your first home, remortgaging or investing in property I offer straightforward, personal advice to help you make confident decisions.

44 min response time

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Q&As

Honestly? It’s that moment when someone realises they can actually do the thing they thought was impossible. Whether it’s getting the keys to their first home, protecting their family’s future, or securing funding to grow their dream business — being part of that journey is a privilege. And let’s be honest, I also secretly love decoding financial jargon and turning it into plain English. It’s like financial wizardry, but with less glitter and more spreadsheets.

I wanted to offer advice the right way — no scripts, no sales targets, just genuine, tailored guidance that puts people first. After years in the industry, I saw how much better things could be when you strip out the fluff and focus on what really matters: helping people make smart, confident decisions. Plus, I quite liked the idea of choosing my own coffee breaks (and not having to ask permission to take a lunch longer than 12 minutes!).

Because I treat your goals like they’re my own. No pushy sales talk, no one-size-fits-all solutions — just honest advice, tailored to you, with a good dose of patience and plain English along the way. I’ve got the expertise to guide you, the experience to spot the pitfalls, and the mindset that no question is too small (or too silly). You’ll never feel like just another number!

I am able to provide clients with telephone or video calls to suit. I do not work the normal 9-5 so if you need an appointment on a weekday evening or a Saturday morning I can accomodate.

Services

Whether you're buying your first home, moving up the ladder, or refinancing, I’ll find the right deal for your unique situation. With access to the whole market and exclusive lender rates, I simplify the mortgage process, speed up approvals, and fight for the best outcome — so you can focus on moving in, not stressing out.

Your life, your health, your income — they all deserve protection. I help you safeguard your family's future and your financial stability with tailored cover that pays when you need it most. No jargon, no pressure — just clear, personal advice you can trust.

Take control of your health with private medical insurance tailored to your needs. Whether it’s for you, your family, or your team, I’ll help you find cover that offers choice, flexibility, and reassurance — from prompt access to specialists to private hospital treatment in comfortable surroundings. Your health deserves personal attention — let’s make sure you’re covered.

Need funding for property development, expansion, or cash flow? I structure commercial finance solutions that are fast, flexible, and built around your goals. With access to specialist lenders and creative funding options, I help businesses move forward — not get stuck in red tape.

Whether you're buying before you sell, snapping up an investment, or facing a tight deadline — bridging finance gets you there quicker. I help you access short-term lending with speed, transparency, and confidence. Clear strategy, fast results, and no hidden surprises.