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About us

Our whole ethos is based around finding and recommending the very best mortgage or remortgage deal presently in the market, not only to suit your current financial needs, but also taking into account any known lifestyle changes that could affect your circumstances in the foreseeable future. As a practice, we are committed to offering the highest possible standards of service to each and every one of our clients.​

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Our commitment to you

To provide you, our client, with a professional and thorough service that we feel you deserve.


What we will do...

  • Offer a choice of a video meeting or if preferred a home visit

  • Carry out a detailed personal mortgage review

  • Explain in plain English all the various mortgage schemes to you, covering the repayment methods and the likely costs involved

  • We will research the entire market for you! We are NOT restricted to a limited panel

  • Recommend a full mortgage solution to protect you, your family and your home

  • Once agreed we will provide you with a detailed report explaining why our recommendations suite your needs and requirements

  • We take all the stress and worry away from you, by completing all the documentation and submitting your application to the lender. We can even recommend a conveyancing practice to carry out the legal work for you and will oversee your mortgage right through to completion. 

  • We will of course keep you updated and informed throughout the process

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Meet the team

John Carter CertPFS CeMAP MLIBF CeRER 


CeMAP Professional Acreditation
Man wearing glasses in formal attire at desk, smiling to camera

John has worked in client facing Financial Services since 1993 when he started working for a major High Street Bank as a trainee Financial Adviser. Since then he has developed a broad and thorough knowledge of the Mortgage Market and the Financial Services industry as a whole. John believes in an open and honest approach to providing advice to all of his clients and his high standard of ethics has ensured that he has many clients who are always happy to recommend his services.​

He is Financial Planning Certificate (FPC), Certificate in Mortgage Advice and Practice (CeMaP) and Certificate in Regulated Equity Release (CeRER) qualified, is a member of the Chartered Insurance Institute and The London Institute of Banking & Finance.​

Away from the office John enjoys spending quality time with his wife and two adult children, trainee son-in-law and grandson. He has a passion for Sailing and being born and bred in Brightlingsea when not in his office will usually be found on his boat or somewhere near the water!  When not on the water he will happily talk boats with anyone for hours!

Annette came to work alongside her husband John over 20 years ago, purely in an administrative capacity at first, but over the years she has become integral to the smooth functioning of the business. ​She now attends to all of the finances in the business alongside overseeing John's case administration and diary.

Outside of office hours, she enjoys an evening out at the Theatre, day trips to National Trust properties, sunny beach holidays in Crete and of course sailing around Essex with John (there's a surprise!). Not forgetting spending as much time as possible with her adored grandson!

Annette Carter


Woman wearing glasses in formal attire at desk, smiling to camera
Female with long dark hair, wearing a green jumper smiling at the camera

Emily Carter BAhons


Emily is the latest addition to the team, she has a background in arts marketing with 9 years of experience, but decided to change paths after having her little boy in 2022. 

She works part-time and does all things Marketing, including web design and social media. 

In her free time you can often find her in the garden or reading a good book, that is if she's not running around after her 'spirited' toddler!

Working alongside...

AMI logo - White Text on Dark blue dots.
Stonebridge Logo - Orange text on clear background
LIBF logo - Black Formal Lettering spelling out LIBF
Glozier Wills and Estate Planning Logo - Purple Text on clear background
Bloss Logo - Green text on clear background
Eye Survey Logo - Dark Blue Lettering
East Coast Sailing Trust Logo - Blue Barge on clear background
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