Equitas Financial (UK) Ltd

In August 2023, my wife and I received a Section 21 notice while she was pregnant, forcing us to vacate our home and attempt to fast-track a mortgage application. During that process, we discovered that a CCJ had been erroneously placed on both of our credit files, which made an already stressful situation even more difficult. With household and business costs rising rapidly, I approached James in need of clear guidance and an actionable plan. I was at a point where I needed direction, not guesswork. After working through a strategy together, James encouraged me to invest in myself by investing in my company — an SME within the construction industry. This felt counter-intuitive at the time, especially given our circumstances, but James was clear and confident in his reasoning. I committed the vast majority of our available deposit into the business, focusing on branding, positioning, and structure. Looking back, I can honestly say it has paid dividends. With the new brand identity in place and the company operating at a higher level, within the first quarter of 2026 we secured project bookings worth more than three times the size of my initial investment, exactly as James described it: an investment in myself. This is an approach I would never have considered on my own, and at the time it felt like a significant risk. However, James’s insight, clarity, and confidence helped me see the bigger picture, and the results speak for themselves.

I had an outstanding experience working James Mattheson. From start to finish, he made the entire process smooth, stress-free, and easy to understand. He took the time to explain every option clearly, were always available to answer my questions, and consistently went the extra mile to find the best deal for my situation. His professionalism, knowledge, and genuine care made all the difference. I couldn’t be happier with the outcome and highly recommend him to anyone needing mortgage advice! Thank you again James.

James was fantastic from start to finish! He made the whole mortgage process simple and stress-free, always keeping me informed and finding the best deal for my needs. I couldn’t recommend him highly enough!

James was incredibly helpful when I needed a mortgage for my first home purchase. Always on hand when needed for small questions and advice. He was able to move me step by step through the process to a successful house move.

**"James Matheson: More Than Just a Mortgage Advisor - He's a First Home Hero!"** "Buying our first family home was a daunting process, but James Matheson made it an absolute breeze. From our very first meeting, James was incredibly efficient, thorough, and attentive. He patiently explained every step, ensuring we understood all our options for both our mortgage and insurance. What truly set James apart was his unwavering support. No question was too big or too small, and he always responded promptly and with genuine care. He went above and beyond to ensure we felt comfortable and confident throughout the entire journey. Thanks to James, we secured a fantastic mortgage and insurance package that perfectly suited our needs. He made what could have been a stressful experience, smooth and even enjoyable! Honestly, 5 stars doesn't feel like enough to rate James. We would wholeheartedly recommend him to anyone looking for a mortgage and insurance advisor, especially first-time buyers. He's a true professional and a genuinely lovely person. Thank you, James, for helping us achieve our dream!"