Over the past four years James has helped us on several occasions with home loans, refinancing, personal loans and car loans. During this time James made the whole process simple and affordable. We have found James to be very knowledgeable, helpful, supportive, and patient and has excellent customer service. Nothing is too hard and James always goes above and beyond his call of duty. We are so impressed with James’s professionalism and caring nature that we have recommended him to family and friends. James’s preparation and follow-up throughout and after have been top class.