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James McDermott

Independent Mortgage & Protection Specialist

James specialises in all aspects of Mortgage Planning including Residential, Buy to Let, Equity Release, Second Charge Lending, Short Term Finance and Commercial Finance. In addition, James advises on Protection Planning. Over the years James has built up a reputation for finding niche lending solutions to satisfy his clients requirements. James holds the Diploma in Mortgage Advice & Practice.

Obtaining the right independent financial advice is paramount and I have the experience and knowledge to manage your financial needs covering all aspects of Mortgage and Protection planning.
Pennymatters fully embraces the latest technology to maximise planning time for advisers and minimise client cost.
For an initial enquiry or a comprehensive financial review please email .


Be sure to obtain independent advice when making one of the biggest financial commitments in your life. We have experts to advise you on all types of mortgages.

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Have you considered the financial consequences of not having adequate protection cover in place? Help make sure your family are financially protected for every eventuality.

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Corporate Services

Corporate Services

Increase the value of your employee benefits package. Contact us to understand the benefits for your employees.

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We have access to professional conveyancing firms and can provide you with a competitive quotation. Please drop me an email for further details.



We have access to RICS accredited surveyors and can provide you with a competitive quotation for all types of surveys. Please drop me an email for further details.


Home Insurance

Your home will be the largest asset you own. Speak to me to ensure you have the correct level of cover in place to protect your home and contents.



Over 50% of adults do not have a will. If you are one of these, please take action now. I can refer you to a dedicated will writer who will ensure you make the decisions on how your assets are distributed.

What my clients say about me

This year was the fifth time James has arranged property finance for me. He always comes up with the most elegant, cost effective solution to my complex mortgage needs, often going to extraordinary lengths to do so in order to dig me out of a hole. The man never gives up. He provides the most excellent and genuine personal service & is backed by a strong team. He has deep knowledge of his subjects and the business contacts to go with it. I think he is quite exceptional.

VC, East Sussex

Very knowledgeable about process and mortgages. On both occasions has got us better mortgages than we were able to find ourselves, and when our application for one was rejected he was able to understand why and help so it was reaccepted.

VC, Bristol

Two other mortgage brokers were unable to get a decision in principle, but James was able to get an offer in two weeks. James was exceptionally personable and went out of his way to help us. I would most certainly recommend him.

VC, Hertfordshire

Unexpectedly confronted with Receiver's taking possession of a property, I sought a regulated bridging loan where, due to lending criteria and timescales, I had previously been unable to arrange a residential re-mortgage. James was there at every step with advice, snake oil and calming words. James is clearly very experienced and has built a savvy team around him. I have already recommended him to friends and I know that they have passed on his details to others.

VC, London

James managed to find me a far better suited product and secured amount of borrowing (within my means) than I ever could have myself. This saved me a lot of time and stress too. He is also great to talk things through on the phone with to clarify things or give advice.

VC, Surrey

James helped us to purchase our next family home and to also keep existing property as a buy to let. The advice given to us has been thorough and invaluable. The time that James gave to us went above and beyond what we had expected.

VC, Surrey

Useful Guides

For more information, please contact:

James McDermott
T: 01344 577851
M: 07770 653075

James Story

Contact Us

Pennymatters Ltd
Building 329, Doncastle Road
Bracknell, Berkshire, RG12 8PE

Tel: 01344 988 390
Fax: 01344 988 394


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Pennymatters Limited is authorised and regulated by the Financial Conduct Authority (No: 530681) and is bound by its rules.

Registered office: Pennymatters Ltd, Building 329, Doncastle Road, Bracknell, Berkshire RG12 8PE.
Registered in England and Wales Number: 07331832
Tel: 01344 988 390

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