Richard Ayres, Principal Consultant

Richard has been a mortgage consultant since 1998 and in that time has advised about 3000 different clients. He holds the Financial Planning Certificate of the Chartered Insurance Institute and the Certificate in Mortgage Advice and Practice of the Institute of Financial Services. Richard came to Financial Services later in life, after a career as a senior manager in the brewing and later petroleum industries.

Richard is the Chairman of a local investment club, and plays bridge. Many years ago he took a history degree and has just recently rekindled that interest, by returning to university to do a part-time masters degree in historical research.

He still struggles with the fact that both his sons have become mortgage brokers, since throughout their lives they have strenuously avoided emulating him in all other respects.

Jim Ayres, Senior Consultant

Jim completed a BA in Psychology and a MSc in Animal Behaviour at Exeter University, before joining BT as a Product Manager, analysing the financial viability of telecoms projects. With both a father and a brother already working as mortgage brokers, however, Jim soon accepted his calling! He financed and studied his way through the qualifications required to give mortgage advice before joining The Mulberry Mortgage Company in 2007.

Jim is The Mulberry Mortgage Company's Equity Release specialist.

In his free time, Jim enjoys walking, cycling, football (he is a Plymouth Argyle season ticket-holder, for his sins) and film.