Charlotte James
Cornwall's Mortgage Specialist

Mortgage Lending

First Time Buyer Mortgages

We will guide you through the process of buying your first home.


Review your mortgage options and reduce your mortgage costs, keep the same loan amount or increase it for improvements or any other purpose.


Lending can be difficult for self-employed, we know the lenders to avoid and those who can accommodate with just projected earnings.

Contract workers

Lending made simple for those who regularly work on a fixed contract with or without an agency.

Equity release

Let us help you with your mortgage lending when you wish release equity from your property available from age 50.

Help or Right to Buy

We can arrange lending and guide you through the process to get on the property ladder.

Buy To Let Mortgages

Mortgages for property used for rental, for professional landlords and first time landlords.

Commercial mortgages

We can help with your borrowing requirements to help you acquire premises.

Secured Homeowner Loans

We can help you explore your additional borrowing requirements without having to disturb your main mortgage.

Free initial consultation

 Schedule time with me


With over 25 years experience in the mortgage market talk to an expert and get sound mortgage advice.


We compare the marketplace for life insurance, critical illness, income protection.


If your buying you home or re-mortgaging let us search the market for your perfect mortgage more info...


Financing your home, commercial or buy-to-let property

John Garcia

John Garcia

Mortgage Expert

Talk to me about your mortgage requirements. I am John Garcia an expert on lending and have been giving mortgage advice since 1994. With my extensive knowledge I have secured mortgages where other brokers have been unable to secure finance. With access to all lenders let me navigate and guide you to securing a great mortgage deal.

  • First time buyer mortgages
  • Re-mortgages
  • Equity release
  • Self-employed mortgages with 1 year projected earnings
  • Self build mortgages
  • Shared ownership schemes
  • Secured homeowner loans
  • Buy to let mortgages
  • Commercial mortgages
  • Non-standard construction

Whatever your requirements I am here to assist you so give me a call on 07971 847716 for a FREE initial consultation or book a convenient time and I will call you back

 Book a callback time

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.


Company Profile

Charlotte James is located in Truro, Cornwall however we deal with clients all over the UK. Our clients are from all walks of life each with their own individual requirements, which means we tailor our solutions to meet those individual needs with our expert knowledge of the marketplace.

John Garcia is an expert adviser advising on mortgages and protection and has been working in the financial services industry since 1996.

Although our initial consultation is free, there will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. A typical fee is £300 payable on application to the lender.

Charlotte James is a trading name of Anderson Lloyd LLP, which are authorised and regulated by the Financial Conduct Authority for advising on and arranging mortgages, insurance, pensions and investments: Anderson Lloyd LLP, Godolphin House, 7 Cathedral Lane, Truro, Cornwall, TR1 2QS. FCA number 207597

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Contact Us

Call 07971 847716
Registered address: Anderson Lloyd LLP, Godolphin House, 7 Cathedral Lane, Truro, Cornwall, TR1 2QS