Meet the Team

The NJ Financial Consultancy Team

Founded originally by Nick with Daniel later coming on board, with roots going all the way back to primary school days, where Daniel’s mum once taught Nick, we are driven by trust, shared values, and a genuine commitment to doing things right.

Proudly supported by a loyal, organically grown client base, we’re passionate about delivering real quality service and meaningful results for every client we work with.

How we are regulated

Nicholas James Financial Consultancy Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority

Our FCA Number is 976045.

You can check this on the Financial Services Register by visiting the website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

Our fees

We will not charge you a fee for most standard mortgages; however, we will be paid a commission from the lender.

For complex mortgages and short-term lending, you may be charged a fee of up to 1%, depending on the complexity of the case. For example, if your mortgage was £250,000 the maximum fee you would pay would be £2,000.

You will receive an illustration when considering a particular mortgage, which detail the full remuneration and all fees payable by you.

We will not charge you a fee for our services relating to insurance. We will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance policy that we recommend.