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about us...

Ruth James Mortgages was formed in 2007 by James and Ruth English. Combined, James and Ruth have over 40 years experience in the Mortgage/Housing market.


Born and raised  in  Leicester, Ruth and James have a wealth of local knowledge and for the majority of their careers have been Estate Agency based, making them well placed to offer you advice on the house buying process.

Over the last decade RuthJames Mortgages has established strong relationships with local estate agents & solicitors making the process much easier for you. This family business has been built on customer referrals as they believe in giving quality advice and excellent service. Together with their administrative team they are dedicated to keeping you informed every step of the way. At RuthJames Mortgages  you will always be able to speak with someone who can help you.

RuthJames Mortgages is a business partner of Lifetime Wealth Management Ltd which is part of the Lifetime group of companies and in 2018 will celebrate 20 years in the industry.

Our Service:

  • We pride ourselves in offering a personal service to our clients

  • We will keep you informed from mortgage application through to completion

  • We appoint a dedicated case administrator who will liaise with you throughout the process

  • We recommend that you protect your mortgage in the event that you are unable to make payments in the future

  • We will regularly review your mortgage to ensure that it continues to meet your needs

Who we are:

  • We are a mortgage broker with access to the "whole of market"

  • We have access to a mortgage sourcing system enabling us to research and compare the market on your behalf


Our business has been built on retaining clients on a long term basis, developing a deep understanding of their requirements (which allows us to do more for them) and stimulating new business through the referrals of our satisfied customers. 


Our commitment

To create a long term relationship with you and keep in regular contact, should you wish, in order to constantly review your mortgage and protection needs. 



Our values

We work for YOU not the lender.

We will discuss your needs and help you realise your aspirations.

We emphasise the need to manage your debt and repay this early wherever possible.



Our philosophy

Working with you, advising you on your mortgage and protection needs. 

Giving you what you need, understanding what you want.

Regularly reviewing your needs as your lifetsyle changes.

RuthJames Mortgages use a sophisticated client management system, called 360Lifecycle. Created by Lifetime's in-house team of developers, and built using industry standard Microsoft technologies it offers the complete solution for today's advisory businesses ensuring that the customers are treated fairly.  

For more information, please go to  or call 0845 6592 360 to arrange a demonstration of the system.

You are now departing from the regulatory site of RuthJames Mortgages. Neither RuthJames Mortgages nor Intrinsic are responsible for the accuracy of the information contained within the linked site.