James Kurian

In the financial services field for 20 years, I have specialized in mortgage and protection advice, living and working in the London area for the last 18 years.

Income structures and working hours have changed over the last few decades, so more and more people are working fewer hours and receiving a basic salary instead of a standard 9-5 job. People no longer fit easily into the standard lending criteria of many lenders. During recent times changes in regulations mean a trip to your local bank could take longer than you expect. Shopping around for various mortgage lenders could give you extra stress and take up your valuable spare time.

Offering a free, no-obligation consultation at a time and place that is convenient to you and providing full advice and guidance through the whole protection and mortgage process.

What James can help you with

  • First time buyers, remortgages, buy to lets and home movers
  • Life insurance, home insurance and critical illness insurance
  • ghl-direct-review-4
    "Reassuring, easy to get hold of and always responded quickly. James explained everything clearly and patiently - often multiple times as a first time buyer it took a while for me to understand some things! Very friendly and personable. "

    Charlotte Brown

    via reviews.co.uk

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Expert advice in 3 simple steps

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Booking an appointment to speak with James Kurian takes less than 30 seconds.

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Get an idea of how much you can borrow and the maximum mortgage you can comfortably afford.

And guide you through

You will be supported every step of the way by a friendly and fully qualified financial advisor.

mortgage broker

Rated as excellent 4.98/5

  • How soon can I schedule a call?

    Flexibility is what we are all about, so you can schedule a free chat with James Kurian whenever and wherever is best for you. It’s completely stress-free, with no phone queues, travel costs, or weeks of waiting.

    Using our live booking service, you decide when it is convenient for you.

  • How can I get advice

    To be as flexible as possible, I offer telephone-based advice, Zoom, Microsoft Teams and WhatsApp video consultations anywhere in England and Wales.

    As a mortgage broker in London, I am also able to offer face-to-face and in-home appointments in the local area. If you need mortgage or insurance advice, I’ve got you covered.

  • How long is the meeting?

    You can expect your initial meeting with James Kurian to last up to one hour, though the complexity of your situation will determine how long it takes. Generally, mortgages will take under 30 minutes, insurance may take longer, but at this point it’s simply getting to know you and seeing what we can do for you.

  • What do I need to prepare

    Having any questions ready, as well as financial documents (such as savings or bank statements) can help you get the most out of your time with your financial advisor. For mortgages, if you’ve already found a home, it will be helpful to have information on the deposit and value.

    You might be asked for details about your medical history and how much you’d like to protect.

  • What does it cost me?

    The initial meeting with a GHL Direct financial advisor to discuss your needs is always at our advisor’s expense and without obligation. Our mortgage advisors charge based on the complexity of each case.

    Some mortgage brokers charge an up-front flat fee between £195 and £499, while others take commission from the lender or bank providing the loan. All of this will be explained to you by your mortgage advisor at the start of the meeting.

  • Why use a mortgage advisor

    Whether you’re buying your first home, expanding your property portfolio or remortgaging, our mortgage advice can be a significant help. Taking professional advice can make the difference between a successful mortgage application and being rejected.

    It may also lead to a much better value deal as we have access to over 50 of the top mortgage lenders in the UK. This may save you thousands of pounds over the mortgage term. We can even source exclusive products that your bank or building society may not offer.

View our free financial guides for an easy to read introduction on the services we offer.
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James Kurian | GHL Direct
07951 761 638
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Your home or property may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.