About us

About us

About us

commercial lending specialists

Welcome to James William & Co finance, your trusted mortgage broker focused on specialist finance needs. Dedicated to transforming lending with precision and care - we have 10 years of experience in helping people get funding to build kitchens, bathrooms, houses/full sites, and much more. We take pride in delivering top-quality advice and a seamless customer experience. Our mission is to bring your vision to life while ensuring clear communication and expert guidance at every step.

Let’s collaborate to discuss things through, first.

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Years experience

Improving homes with expert craftsmanship for years

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Years experience

Improving homes with expert craftsmanship for years

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Years experience

Improving homes with expert craftsmanship for years

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Projects completed

My partners and I have over 250 successful projects delivered with quality and care

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Projects completed

My partners and I have over 250 successful projects delivered with quality and care

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Projects completed

My partners and I have over 250 successful projects delivered with quality and care

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Caring Approach

Our personal touch is built in but fast solutions are possible.

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Caring Approach

Our personal touch is built in but fast solutions are possible.

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Caring Approach

Our personal touch is built in but fast solutions are possible.

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Bespoke Service

All of our clients are treated case by case - with dynamic referrals.

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Bespoke Service

All of our clients are treated case by case - with dynamic referrals.

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Bespoke Service

All of our clients are treated case by case - with dynamic referrals.

Services

Services

Services

What we do

Find out which one of our services fit the needs of your project

Commercial

Commercial finance provides bespoke funding for trading businesses and investors - covering premises, capital expenditure, working capital, acquisitions, and refinance. Solutions include commercial mortgages, asset finance, invoice financing, unsecured term loans, revolving credit, and merchant cash advance. Lenders assess affordability via cash flow, profitability, security, and management strength, offering fixed or variable rates, capital holidays, and flexible covenants. With structured facilities and tailored terms, firms can unlock growth, smooth cash cycles, and optimise balance sheets when high‑street options are limited.

Bridging

Maximise your project’s potential with fast, flexible bridging finance. Whether securing a property before sale, funding a refurbishment, or completing an auction purchase, short-term bridging loans provide rapid capital - often completing in 2–6 weeks - so opportunities aren’t missed.

Regulated

Regulated bridging in the UK offers short-term, FCA-regulated loans secured against a borrower’s home to bridge timing gaps - typical for chain breaks, downsising, or buying before selling. It provides rapid access to funds with flexible terms, interest rolled up, and no early repayment penalties, usually for 3–12 months. Lenders assess affordability via exit strategy (sale or refinance), with typical LTVs up to 70–75% and completions in 2–6 weeks, enabling swift, compliant transactions when speed is essential.

Specialist

Specialist lending provides tailored finance for borrowers who fall outside mainstream criteria—think complex income, credit blips, non-standard property, or limited company structures. Solutions span buy-to-let, HMO, holiday lets, bridging, development, and adverse credit mortgages, with manual underwriting and flexible terms. Lenders focus on overall viability and exit rather than rigid tick-boxes, offering options like interest-only, rolled-up interest, and bespoke LTVs, enabling projects and purchases that high-street banks won’t support.

Development

Development finance funds ground-up builds and major refurbishments with staged drawdowns linked to project milestones, covering land purchase and build costs. Facilities typically run 12–36 months with interest rolled up, leveraging GDV or cost-based LTVs, and require robust appraisals, QS monitoring, and contingency. Lenders prioritise experience, planning, and exit strategy (sale or refinance), offering flexible structures like mezzanine or equity top-ups to keep projects moving when traditional bank lending falls short.

Insurance

Insurance for property investors and developers safeguards projects, assets, and people - covering site risks, liability, and key decision‑makers. Core policies include contractor’s all risks, public/employer’s liability, property owners, non‑negligent (JCT 6.5.1), structural warranties, and professional indemnity for advisers. Directors’ and Officers’ (D&O) protects personal liability for company decisions, while key person and shareholder protection secure continuity and buy‑sell funding. Tailored cover aligns with lender requirements, build stages, and corporate structures to keep projects compliant and resilient.

Commercial

Commercial finance provides bespoke funding for trading businesses and investors - covering premises, capital expenditure, working capital, acquisitions, and refinance. Solutions include commercial mortgages, asset finance, invoice financing, unsecured term loans, revolving credit, and merchant cash advance. Lenders assess affordability via cash flow, profitability, security, and management strength, offering fixed or variable rates, capital holidays, and flexible covenants. With structured facilities and tailored terms, firms can unlock growth, smooth cash cycles, and optimise balance sheets when high‑street options are limited.

Bridging

Maximise your project’s potential with fast, flexible bridging finance. Whether securing a property before sale, funding a refurbishment, or completing an auction purchase, short-term bridging loans provide rapid capital - often completing in 2–6 weeks - so opportunities aren’t missed.

Regulated

Regulated bridging in the UK offers short-term, FCA-regulated loans secured against a borrower’s home to bridge timing gaps - typical for chain breaks, downsising, or buying before selling. It provides rapid access to funds with flexible terms, interest rolled up, and no early repayment penalties, usually for 3–12 months. Lenders assess affordability via exit strategy (sale or refinance), with typical LTVs up to 70–75% and completions in 2–6 weeks, enabling swift, compliant transactions when speed is essential.

Specialist

Specialist lending provides tailored finance for borrowers who fall outside mainstream criteria—think complex income, credit blips, non-standard property, or limited company structures. Solutions span buy-to-let, HMO, holiday lets, bridging, development, and adverse credit mortgages, with manual underwriting and flexible terms. Lenders focus on overall viability and exit rather than rigid tick-boxes, offering options like interest-only, rolled-up interest, and bespoke LTVs, enabling projects and purchases that high-street banks won’t support.

Development

Development finance funds ground-up builds and major refurbishments with staged drawdowns linked to project milestones, covering land purchase and build costs. Facilities typically run 12–36 months with interest rolled up, leveraging GDV or cost-based LTVs, and require robust appraisals, QS monitoring, and contingency. Lenders prioritise experience, planning, and exit strategy (sale or refinance), offering flexible structures like mezzanine or equity top-ups to keep projects moving when traditional bank lending falls short.

Insurance

Insurance for property investors and developers safeguards projects, assets, and people - covering site risks, liability, and key decision‑makers. Core policies include contractor’s all risks, public/employer’s liability, property owners, non‑negligent (JCT 6.5.1), structural warranties, and professional indemnity for advisers. Directors’ and Officers’ (D&O) protects personal liability for company decisions, while key person and shareholder protection secure continuity and buy‑sell funding. Tailored cover aligns with lender requirements, build stages, and corporate structures to keep projects compliant and resilient.

Commercial

Commercial finance provides bespoke funding for trading businesses and investors - covering premises, capital expenditure, working capital, acquisitions, and refinance. Solutions include commercial mortgages, asset finance, invoice financing, unsecured term loans, revolving credit, and merchant cash advance. Lenders assess affordability via cash flow, profitability, security, and management strength, offering fixed or variable rates, capital holidays, and flexible covenants. With structured facilities and tailored terms, firms can unlock growth, smooth cash cycles, and optimise balance sheets when high‑street options are limited.

Bridging

Maximise your project’s potential with fast, flexible bridging finance. Whether securing a property before sale, funding a refurbishment, or completing an auction purchase, short-term bridging loans provide rapid capital - often completing in 2–6 weeks - so opportunities aren’t missed.

Regulated

Regulated bridging in the UK offers short-term, FCA-regulated loans secured against a borrower’s home to bridge timing gaps - typical for chain breaks, downsising, or buying before selling. It provides rapid access to funds with flexible terms, interest rolled up, and no early repayment penalties, usually for 3–12 months. Lenders assess affordability via exit strategy (sale or refinance), with typical LTVs up to 70–75% and completions in 2–6 weeks, enabling swift, compliant transactions when speed is essential.

Specialist

Specialist lending provides tailored finance for borrowers who fall outside mainstream criteria—think complex income, credit blips, non-standard property, or limited company structures. Solutions span buy-to-let, HMO, holiday lets, bridging, development, and adverse credit mortgages, with manual underwriting and flexible terms. Lenders focus on overall viability and exit rather than rigid tick-boxes, offering options like interest-only, rolled-up interest, and bespoke LTVs, enabling projects and purchases that high-street banks won’t support.

Development

Development finance funds ground-up builds and major refurbishments with staged drawdowns linked to project milestones, covering land purchase and build costs. Facilities typically run 12–36 months with interest rolled up, leveraging GDV or cost-based LTVs, and require robust appraisals, QS monitoring, and contingency. Lenders prioritise experience, planning, and exit strategy (sale or refinance), offering flexible structures like mezzanine or equity top-ups to keep projects moving when traditional bank lending falls short.

Insurance

Insurance for property investors and developers safeguards projects, assets, and people - covering site risks, liability, and key decision‑makers. Core policies include contractor’s all risks, public/employer’s liability, property owners, non‑negligent (JCT 6.5.1), structural warranties, and professional indemnity for advisers. Directors’ and Officers’ (D&O) protects personal liability for company decisions, while key person and shareholder protection secure continuity and buy‑sell funding. Tailored cover aligns with lender requirements, build stages, and corporate structures to keep projects compliant and resilient.

Our work

Our work

Our work

Get inspired by resilience

Our approach quotes and works hard first - to present a suitable deal. See how we’ve transformed clients needs with our expert craftsmanship and attention to detail.

Refit Your Dream

Complex multi-property deal put together with a lender to fund it.

Kitchen

4 weeks

Had a really good experience using James. He seems to have good relationships with the lender's business development teams, and so gets us quick answers to our many queries! Really responsive and flexible with his time too.

Rachel, LTD Company DIrector

Refit Your Dream

Complex multi-property deal put together with a lender to fund it.

Kitchen

4 weeks

Had a really good experience using James. He seems to have good relationships with the lender's business development teams, and so gets us quick answers to our many queries! Really responsive and flexible with his time too.

Rachel, LTD Company DIrector

Refit Your Dream

Complex multi-property deal put together with a lender to fund it.

Kitchen

4 weeks

Had a really good experience using James. He seems to have good relationships with the lender's business development teams, and so gets us quick answers to our many queries! Really responsive and flexible with his time too.

Rachel, LTD Company DIrector

External garden path build

We searched far and wide to solve a complex funding requirement - by carefully contacting banks directly with care and detail - things became clear, and lending was possible.

External Works

1 month

Fantastic Mortgage broker. Reliable and timely service. Very flexible. Will speak at any time incl. weekends and evenings. Would highly recommend and use again.

Michael Turner

External garden path build

We searched far and wide to solve a complex funding requirement - by carefully contacting banks directly with care and detail - things became clear, and lending was possible.

External Works

1 month

Fantastic Mortgage broker. Reliable and timely service. Very flexible. Will speak at any time incl. weekends and evenings. Would highly recommend and use again.

Michael Turner

External garden path build

We searched far and wide to solve a complex funding requirement - by carefully contacting banks directly with care and detail - things became clear, and lending was possible.

External Works

1 month

Fantastic Mortgage broker. Reliable and timely service. Very flexible. Will speak at any time incl. weekends and evenings. Would highly recommend and use again.

Michael Turner

Bathroom renovation

We revitalized this clients experience of funding - with a fresh, modern detailed approach, incorporating high-end lenders into the mix alongside traditional high street.

Bathroom

6 weeks

Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services

Laura Davies

Bathroom renovation

We revitalized this clients experience of funding - with a fresh, modern detailed approach, incorporating high-end lenders into the mix alongside traditional high street.

Bathroom

6 weeks

Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services

Laura Davies

Bathroom renovation

We revitalized this clients experience of funding - with a fresh, modern detailed approach, incorporating high-end lenders into the mix alongside traditional high street.

Bathroom

6 weeks

Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services

Laura Davies

Testimonials

Testimonials

Testimonials

Hear from our clients

Hear from our happy clients about their experience working with Refit and the quality of our craftsmanship.

  • I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.

    Fran

  • James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.

    Amy

  • Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.

    Adrian

  • James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.

    Daniel Foster

  • Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.

    Charlotte Harris

  • Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.

    Full Cycle Property Ltd

  • Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.

    Full Cycle Property Ltd

  • Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.

    Charlotte Harris

  • James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.

    Daniel Foster

  • Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.

    Adrian

  • James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.

    Amy

  • I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.

    Fran

  • I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.

    Fran

  • James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.

    Amy

  • Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.

    Adrian

  • James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.

    Daniel Foster

  • Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.

    Charlotte Harris

  • Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.

    Full Cycle Property Ltd

  • Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.

    Full Cycle Property Ltd

  • Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.

    Charlotte Harris

  • James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.

    Daniel Foster

  • Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.

    Adrian

  • James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.

    Amy

  • I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.

    Fran

FAQs

FAQs

FAQs

Answering your questions

Answering your questions

Answering your questions

Got more questions? Send us your enquiry below

Got more questions? Send us your enquiry below

Got more questions? Send us your enquiry below

What area are you based in?

We primarily serve Bath, Cornwall and London with surrounding areas, but depending on the project, we may be able to travel further. Get in touch to discuss your location and project needs.

How long does a typical project take?

Project timelines vary depending on the scope of work. A renovation can take a few weeks, while larger full site projects like development or commercial deals - will take several months. We provide clear timelines before starting any work.

Do you offer free quotes?

Yes! We offer free, no-obligation quotes. After an initial consultation, we’ll assess your project needs and charge an advice fee plus earn commission from the deal.

Do you offer standard residential mortgages?

Yes. If you want to remortgage or buy a home - we have an experienced residential team to help you.

Are you FCA registered and fully compliant?

We are setting up as an Appointed Representative of Connect Brokers - and taking cautious yet practical steps to ensure your safe journey. As of 26th of Sept - James has the paperwork to sign to await us showing up on FCA pages.

Can I build a home using your self build service?

Yes. Everything depends on the type of work being carried out. For smaller projects like bathrooms and kitchens, staying at home may be possible with minimal disruption. However, larger renovations and structural work may require more complex lending. We’ll discuss this with you before starting.

How do I get started with you?

Simply get in touch! We’ll arrange a consultation to discuss your vision, assess your space, and provide expert advice. From there, we’ll give you a quote and a clear plan for moving forward.

What area are you based in?

We primarily serve Bath, Cornwall and London with surrounding areas, but depending on the project, we may be able to travel further. Get in touch to discuss your location and project needs.

How long does a typical project take?

Project timelines vary depending on the scope of work. A renovation can take a few weeks, while larger full site projects like development or commercial deals - will take several months. We provide clear timelines before starting any work.

Do you offer free quotes?

Yes! We offer free, no-obligation quotes. After an initial consultation, we’ll assess your project needs and charge an advice fee plus earn commission from the deal.

Do you offer standard residential mortgages?

Yes. If you want to remortgage or buy a home - we have an experienced residential team to help you.

Are you FCA registered and fully compliant?

We are setting up as an Appointed Representative of Connect Brokers - and taking cautious yet practical steps to ensure your safe journey. As of 26th of Sept - James has the paperwork to sign to await us showing up on FCA pages.

Can I build a home using your self build service?

Yes. Everything depends on the type of work being carried out. For smaller projects like bathrooms and kitchens, staying at home may be possible with minimal disruption. However, larger renovations and structural work may require more complex lending. We’ll discuss this with you before starting.

How do I get started with you?

Simply get in touch! We’ll arrange a consultation to discuss your vision, assess your space, and provide expert advice. From there, we’ll give you a quote and a clear plan for moving forward.

What area are you based in?

We primarily serve Bath, Cornwall and London with surrounding areas, but depending on the project, we may be able to travel further. Get in touch to discuss your location and project needs.

How long does a typical project take?

Project timelines vary depending on the scope of work. A renovation can take a few weeks, while larger full site projects like development or commercial deals - will take several months. We provide clear timelines before starting any work.

Do you offer free quotes?

Yes! We offer free, no-obligation quotes. After an initial consultation, we’ll assess your project needs and charge an advice fee plus earn commission from the deal.

Do you offer standard residential mortgages?

Yes. If you want to remortgage or buy a home - we have an experienced residential team to help you.

Are you FCA registered and fully compliant?

We are setting up as an Appointed Representative of Connect Brokers - and taking cautious yet practical steps to ensure your safe journey. As of 26th of Sept - James has the paperwork to sign to await us showing up on FCA pages.

Can I build a home using your self build service?

Yes. Everything depends on the type of work being carried out. For smaller projects like bathrooms and kitchens, staying at home may be possible with minimal disruption. However, larger renovations and structural work may require more complex lending. We’ll discuss this with you before starting.

How do I get started with you?

Simply get in touch! We’ll arrange a consultation to discuss your vision, assess your space, and provide expert advice. From there, we’ll give you a quote and a clear plan for moving forward.

Contact

Contact

Contact

Get in touch

For any enquiries or to explore your vision further, we invite you to contact our professional team using the details provided below.

Office

Flat 5 Felicia House, 72 Henver Road, Newquay, TR7 3FR

167-169 Great Portland Street,

W1W 5PF


Flat 5 Felicia House, 72 Henver Road, Newquay, TR7 3FR

Email

jamesdawes@cornishhue.co.uk

Telephone

07961 296346

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