As independent financial advisers, with a strong regional identity, we are able to search the whole market to find the best products for your needs, while providing a friendly and approachable service.

We specialise in meeting the needs of local people and businesses, providing a down-to-earth, friendly approach, and we are committed to providing the highest levels of customer service. Every member of our team is passionate about building long-term relationships with our clients, and ensuring we always provide the best advice.

Our operation is wholly independent and gains valuable support as a member of the Simplybiz Consultancy service, giving us access to a wide range of top financial products and enabling us to recommend the most appropriate solution for your needs, whether individual or corporate.

Payment Options

  • Debit Cards, MasterCard, VISA

Contact Details

  Person Del-Ryan Rafter
  City Nottingham
  Postcode NG9 2RN
  Address 41 Wollaton Road
  Phone Number 01159228282
  Fax 01159227616

Business Representative

Del-Ryan Rafter


Products & Services


We meet the new criteria for independent mortgage broker status, so you can be sure we'll give you unbiased advice. We offer all clients a complimentary initial review, checking the details of your current mortgage or advising on your new or first mortgage.
When we know your requirements, we will search the market to find the best rates and most suitable deal for your individual needs. We have access to some exclusive rates that are not normally available on the High Street and can even review the deal you have with your existing lender.

Wealth Management

Whether you are a seasoned or a new investor, and whether you are an individual, a family or a small business owner, we have the expertise, market knowledge and business connections to advise on the most suitable way to maximise your assets. We can suggest a range of investment products for you to choose from and a tailored wealth management service.

Pensions & Retirement

We can guide you through the tangle of information and steer you away from the hidden pitfalls. We're independent financial advisers. But we're not impartial: we're on your side! So you can feel secure in the knowledge that our advice is focused on your best interests.


You need peace of mind, secure in the knowledge that, if the worst should happen, financial repercussions won't add to the burden. As independent financial advisers, we can provide specialist advice and arrange protection against a wide range of potentially devastating events.
Our service is available to individuals and businesses, providing personal protection, protection for your loved ones and dependents, for your business and for your employees.

  • I would recommend this business

I recommend this business

Value for money
Service & support
Overall ratingExcellent

Social Activity

Pension scheme savers are increasingly taking steps to protect themselves against scams. Everyone should do the sa
Twitter   Full Post ›
Forget the myth about insurance companies doing everything possible to avoid paying claims! Here's how the insuran
Twitter   Full Post ›
The BBC shows claims investigators uncovering fraud and non-disclosure - both of which drive up premiums for the cl
Twitter   Full Post ›
Recent research carried out for the FCA shows huge amounts of money invested in products that don't meet the invest
Twitter   Full Post ›
Placing your life assurance policies in trust avoids inheritance tax on the benefits - but choosing the wrong trust
Twitter   Full Post ›
Helping Macmillan Cancer Support, we've just taken part in 'The World's Biggest Coffee Morning'. This is just some
Twitter   Full Post ›
FCA finds third of adults need advice but don't access it! Why? IFAs have failed to convey two messages. Invest
Twitter   Full Post ›
Advice from the Financial Conduct Authority on how to avoid falling victim to pension scams -
Twitter   Full Post ›

From Our Website

Our office is closed for face-to-face meetings to our clients, however we are available as usual on the phone on the same number and via e-mail see Contact us. Online meetings - We are still conducting meetings over the phone, or via Teams, Zoom online meeting software. Remote working - All our staff are now able to work from home and have full access to remote working capabilities, so we can continue to support you from any location should we need to close the office, again. Our focus remains on the wellbeing and safety of our colleagues and clients and we will do everything we can to support you through this changing environment.

As independent Financial Advisors, we use the most up-to-date technology and sourcing software to research the entire marketplace to find the best solutions for our clients. Our service is further enhanced by our membership of the SimplyBiz plc consultancy and by our association with Mortgage Brain. The combination of these resources and our in-house professional expertise provides a compelling solution. James Ryan Thornhill Ltd is authorised and regulated by the Financial Conduct Authority (FCA) Registration Number 306095.

Income Protection pays a proportion of your normal earnings if you can't work owing to accident, illness or disability. Otherwise, you may be unable to meet your regular commitments, such as mortgage and other regular payments. After a deferred period, typically 13 or 26 weeks, your policy will pay a regular income until it terminates, you return to work, or retire. Plans can also be arranged to cover particular liabilities over specific timescales, or provide changing cover on a whole of life basis.

This is a tax-efficient way to invest in your retirement because HM Revenue and Customs adds basic rate tax relief to any payment you make into your plan. Retirement income will depend on fund value and other economic factors, including inflation. For example, if you make a payment of 160, HM Treasury will add 40, so the total amount invested is 200. You can invest regularly or make one-off payments as and when you want. In each tax year, you can contribute up to 100% of your earnings, although a tax charge may apply if you exceed the Annual Allowance, which is currently 40,000.

There's no limit on your total NISA holding, so you can top-up to an existing Cash ISAs, a Stocks & Shares ISAs, or both. You can split your investment in any ratio you choose, as long as your 2018-19 investments don't exceed 20,000 per person. Your annual allowance is available only until the end of the tax year and doesn't roll over. So, to take maximum advantage of your allowance, you need to invest early in the tax year. But, if you don't want to invest your full allowance at the start of the year, you can always make further investments within your allowance at any time before the tax year ends.