James Horgan
Mortgage & Protection Adviser
Certificate in Mortgage Advice – Chartered Insurance Institute (Cert CII (MP))
Based in Essex
James is a mortgage adviser who enjoys finding solutions when a client’s circumstances aren’t completely straightforward. His policing background gives him a particular understanding of public-sector income, and he also works with first-time buyers, professionals and clients who want mortgage and protection advice explained clearly.
Policing Background
Dad of 3
About James
Helping people achieve homeownership when they thought it wasn’t possible is what I love most about being a mortgage adviser. I pride myself on being there for my clients—not just when things are straightforward, but especially when challenges arise. If things go wrong, I’ll be in your corner, fighting to get the best outcome for you.
Based in Epping, I help people throughout London and the surrounding counties. If there is a solution for what you aim to achieve, I will find it.
Who I Help
I love working with first-time buyers, guiding them through every step of the process so they feel confident and informed.
Coming from a policing background, I have a strong understanding of public sector pay structures. Whether it's fluctuating earnings or intricate pay slips, I know how to present the numbers to lenders in the best possible way.
I also feel I really add value to solicitors as their income can be complex. I understand how to present this, and most importantly, who to present it to, to help achieve their goals.
The most important thing I deal with is the protection side of the business. Ensuring people have the financial resilience is vital. I work with clients to ensure that no matter what life throws at them, finances are not the thing that they worry about.
Persistence When Things Get Complicated
With a background in policing, just because something is difficult, it doesn't mean that we can just give up. I find solutions where people have been told that there are none.
This is an industry built on trust and whether it is first time buyers, public sector workers or professionals, I will be on hand to find you the best mortgage, support you when the anxiety hits and be a sounding board when you're unsure which way to go.
"Thank you for going above and beyond. It was a total nightmare but we’ll never forget all you did for us!"
Google review
"I just wanted to say thank you again for everything, I couldn’t have done it without you!"
Google review
"James Horgan is just the most helpful mortgage adviser I have ever used. I have moved house (bought and sold) 8 times and, since using James, I wouldn't go to anyone else. I don't hesitate to recommend him, even to my son, who also used him as a first time buyer."
Google review
"A fantastic experience from start to finish. James and Jenny were extremely professional, knowledgeable, and supportive throughout the entire mortgage process. They made everything feel simple and stress-free, keeping me updated and answering all my questions promptly. I really appreciated their attention to detail and dedication in helping me secure the right mortgage. I would highly recommend their services to anyone looking for expert mortgage advice."
Suleman, Google review
"James was brilliant from start to finish. Always easy to get hold of, explained everything clearly, and made the whole mortgage process feel much less stressful as a first time buyer. He kept me updated throughout and was really proactive in getting things moving as quickly as I needed.
Really appreciate all of his help and would definitely recommend him to anyone looking for a mortgage advisor."
Phoebe, Google Review
"Excellent understanding of my needs. Great communication throughout the process. Flexible discussions about evolving offers from lender. Really positive experience overall, would highly recommend them!"
Sally, Google Review
Client Reviews
Me Outside Delta
Outside of work, I have 3 young children who keep me super busy, and to clear my head I like nothing more than a nice long swim in a lake.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.