Jonathon Bavester
24 Feb 2026James has been very pro active in helping me obtain my first home. Thanks to him and all his Team.
Jigsaw Independent Mortgage Specialists Ltd is an FCA-regulated mortgage broker based in Coventry, CV6 1HQ, specialising in Buy-to-Let, First Time Buyers, Ltd Co and 2 other areas. Rated 4.9/5 from 201 reviews.
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Meet our experienced team of mortgage professionals
Jonathon Bavester
24 Feb 2026James has been very pro active in helping me obtain my first home. Thanks to him and all his Team.
Amy
23 Feb 2026James has been great to deal with as first time buyers. He eased any concerns or worries about the whole mortgage application and explained everything so I could relax a little. He's super responsive to emails and makes you feel like there are no silly questions. Thanks James!
Hayley B
21 Nov 2025I’ve been working with James for many years for all of my mortgage needs, and he has become someone my entire family trusts. He consistently goes above and beyond, taking the time to explain everything and making the whole process feel easy and stress-free. He’s incredibly knowledgeable, honest, and genuinely cares about the people he works with. It’s rare to find someone with his level of integrity and kindness. Highly recommend him and his whole team.
Sam W
28 Jul 2025James at Jigsaw Independent has been absolutely fantastic from start to finish. We genuinely couldn’t have asked for a better mortgage advisor. Not only is he incredibly knowledgeable, but he also went above and beyond for us on multiple occasions, often stepping in before we even realised we needed help. There were times when he picked up on things we would have completely missed, and he always made sure we felt supported and informed at every step. You can tell he truly cares about his clients and takes pride in doing the job properly. It made what could have been a really stressful process feel smooth and manageable. James was always quick to respond, patient with our (many!) questions, and gave clear, honest advice that we trusted completely. If you’re looking for someone who’s genuinely on your side, I couldn’t recommend James and Jigsaw Independent more highly. A five-star service in every sense.
Bonnie Towe
9 May 2025I have worked with James at Jigsaw on my mortgage a few times over the years and cannot recommend them highly enough. The service is consistently fantastic-reliable, professional, and always approachable. James makes what can be a complex process feel straightforward and stress-free. It’s clear he genuinely cares about their clients and goes above and beyond every time. Truly a trusted advisor I have no hesitation in recommending.
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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