James Villette

Straightforward, honest advice

Founded by James Villette in 2013, Fairfield Mortgages are independent mortgage brokers based in Olney, Buckinghamshire.

At Fairfield Mortgages, we appreciate that finding the right mortgage to suit your circumstances can be confusing and at times even stressful. Our aim is to provide straightforward, honest advice to our clients. We take the time to explain in simple terms how different mortgages work, guiding you through all the options and managing the application to the lender on your behalf.

Why use us?

At Fairfield Mortgages, we understand that choosing your mortgage is one of the most important financial decisions you will make. It can be a complicated and time consuming process, with so many lenders out there offering a multitude of deals, how do you know you’ve found the right one?

Using our knowledge and experience we aim to help you make the best decision and chose the right mortgage. We do this by taking the time to explain in simple terms how different mortgages work, guiding you through all the options and managing the application to the lender on your behalf.



We understand how busy and hectic life can be. James will visit you at a time and location that suits you and is available 7 days a week.

He’s not office bound; his office is wherever you would like him to be. He can visit you at work, in your lunch hour or at home when the kids are tucked up in bed. Whatever works best for you.

Expert, impartial advice

James is fully qualified and offers you expert impartial advice. He will provide mortgage advice to meet your requirements, whether it is a mortgage for buying a home, a remortgage, a buy to let mortgage, a first time buyer mortgage or a shared-ownership mortgage.

Whole of the market

Fairfield Mortgages has access to the whole of the market, we are not tied to a handful of mortgage providers; we are able to search the whole of the mortgage market for you and ensure that you get the best mortgage deal. Estate agent brokers are often limited to which mortgage providers they have access to. Fairfield Mortgages have developed strong relationships with many different providers and have access to deals not available on the high street or on comparison websites.

Uncomplicated, efficient service

James takes the time to explain the mortgage options available and the pros and cons of each. He will manage your application through to completion, ensuring you have a clear understanding of why the mortgage you are choosing is the right one for you. He will deal directly with the lender on your behalf and ensure they view your application positively.

Not just comparing mortgages

Fairfield Mortgages are not a comparison site, so unlike them we will work closely with you taking into account your particular circumstances; we will therefore understand why you may not qualify for a particular mortgage product prior to application. It is important to remember that applying for and being declined for a mortgage can lower your credit score and this will affect your future mortgage applications and chances of securing a mortgage. He’s not just comparing rates and finding the cheapest monthly payment, he’s researching the market, analysing the fees, charges and rates, to ensure you get the right mortgage.

Getting you “Mortgage Ready”

The rules for securing a mortgage have changed and this has made preparing for your mortgage application a more complicated process.

James is happy to spend time with you to get you “Mortgage Ready”. If you are only just starting to think about a house purchase, re-mortgage or buy to let purchase, with a bit of planning he can make sure that you can get the best rates and that the application goes smoothly, whilst ensuring that you get the mortgage to suit your requirements.

Life Cover and Protection

At Fairfield Mortgages we help our clients achieve their aspiration of home ownership but it’s also really important we help you take steps to safeguard your dream incase your circumstances change in the future. Coming to terms with the loss of a loved one, or finding yourself unable to work through illness is never an easy thing to do and adding financial burden can make coping increasingly difficult. Ensuring that you and your family are protected financially will reassure you and provide support for your family should it be required.

Therefore as part of the mortgage process, James will appraise your current provisions, identify any requirements you have and then recommend the best products to meet your needs.

We understand that everyone has their own requirements when it comes to protecting their homes and assets. Therefore James will fully take in to account your lifestyle, your current provisions and budget to tailor fit the cover to you.

We offer advice on life assurance, critical illness cover, income protection, mortgage protection and home insurance.

How we charge

Our initial conversation and advice is free of charge and without obligation.

A fee of £500 is only charged once we have sourced the market, found the right mortgage for you, obtained the agreement in principle and ensured that all your documentation is correct and your application is ready to be sent to the lender. 

Our Partners

A friendly team of professionals, that develop and maintain long term relationships with our clients.  Managing your wealth since 1996 to help you achieve your lifestyle goals.

As a family-run business, it is important for us to offer a highly personal approach to our clients. We take the time to get to know you, your lifestyle as well as your hopes, fears, concerns and aspirations for yourself and those closest to you before we give you any advice.

Coaching you to make the Best Financial Decisions
We offer a comprehensive service for all your Investment, Retirement Planning, Inheritance Tax and Protection needs.

We are a privately owned Independent Financial Planning (IFA) company offering supreme financial planning to High Net Worth Individuals, Trusts, Businesses and Charities.

Stephen Oakley & Co, are an established independent estate agency, providing a professional service for selling all types of property from a one bedroom apartment to a substantial country home.

J Garrard & Allen are long established private and commercial solicitors in Olney, Buckinghamshire.
We strive to offer a very high level of friendly, personal service in a wide range of fields.

We offer a full range of accountancy services for Individuals, Sole Traders, Partnerships and Limited Companies

Located within the heart of Whetstone, we specialise in the sale, letting & management of properties across many parts of North London and sections of Hertfordshire

Contact us

email: james@fairfieldmortgages.co.uk

Postal Address:

23 High St South
MK46 4AA

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