Adam Deveril, the new Viscount Lynton, is madly in love with the beautiful Julia Oversley. But he has returned from the Peninsular War to find his family on the brink of ruin and his ancestral home mortgaged to the hilt. He has little choice when he is introduced to Mr. Jonathan Chawleigh, a City man of apparently unlimited wealth and no social ambitions for himself-but with his eyes firmly fixed on a suitable match for his only daughter, the quiet and decidedly plain Jenny Chawleigh.

Adam desperately needs money to keep his fatherless family together, and a marriage to Jenny would solve all his problems. And Jenny's father, a man of great wealth and ambition for his daughter, is only too happy to arrange a suitable match with a title for her. Adam chafes under Mr. Chawleigh's generosity, and Julia's jealous behavior upon hearing of the betrothal nearly brings them all into a scandal. But Adam didn't reckon with the Jenny nobody knew, or the unknown quality that lay hidden behind her demure and plain facade, who bring him comfort and eventually more....