Helping you move out of your mum's house before you're 30

Still Living at Home and Pretending It's "Just Until You Save a Bit More"?

Download the free guide that shows you exactly how to avoid the 5 costly mistakes that keep first-time buyers stuck, stressed, and second-guessing everything

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Buying Your First Home Doesn't Have to Feel Like Rocket Science (or a Financial Horror Film)

If you're tired of scrolling through Rightmove with no clue what you can actually afford, worried you'll make one mistake and get rejected, or stuck Googling "how much can I borrow?" and getting five different answers...

You're not alone. And it's not your fault.

Confused about what you can actually afford? You don't know if your overtime, bonuses, or side income even count toward borrowing.
Worried about your credit score? You're anxious that one missed payment years ago will come back to haunt you.
Overwhelmed by debts? Car finance, credit cards, student loans, you're not sure which ones actually matter.
Stuck on your deposit? You don't know if you should wait to save more or just go for it now.
Terrified of getting it wrong? One mistake could cost you thousands or get you rejected completely.

"We're so glad we chose to work with James when purchasing our home...we especially appreciated how he simplified and clarified every step of the process"

- Kessiya Varghese, First-time buyer

"Getting an appointment to look at options was easy....the appointment itself was painless and stress free due to his wealth of knowledge."

-Nikki & Alan Igle, Remortgage client

Hi, I'm James Cox

Hey, I’m James — a whole-of-market Mortgage advisor who’s been exactly where you are right now. Confused. Overwhelmed. Wondering who to trust and just wanting someone to cut through the noise and tell you the truth.

That’s why I started JC Mortgage Advice — and why I put this guide together.

I’m here to help you move out of your mum’s house before you’re 30 (or whenever you’re ready), without the stress, jargon, or “sales talk.” Just calm, clear advice that helps you get from scrolling on Rightmove to holding your own keys.

JC Mortgage Advice is a trading style of Red Kite Financial Solutions Limited is registered in England & Wales no. 10482925. Registered office, Mcgills Ltd, Oakley House, Tetbury Road, Cirencester, Gloucestershire GL7 1US.

Authorised and regulated by the Financial Conduct Authority. Red Kite Financial Solutions Limited is entered on the Financial Services Register https://register.fca.org.uk/ under reference 774584. If you wish to register a complaint, please write to us at the address above or email us at [email protected]

A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.