Review Time
We had an excellent experience working with Ross Culley as our mortgage advisor.
From day one, Ross was incredibly responsive, supportive, and knowledgeable. He answered all of our questions quickly and clearly, and was always available whenever we needed guidance. As first-time buyers, this made a huge difference and gave us real confidence throughout the process.
He was with us every step of the way and made the whole journey much smoother and less stressful than we expected.
We truly appreciate all his help and would highly recommend Ross Culley to anyone looking for a reliable and professional mortgage advisor.
We had a great experience with Capricorn Financial - who supported us through the mortgage process as first time buyers. Britanny Zonzolo was brilliant and explained everything really well. She gave us great advice and helped us secure our first flat! We are super grateful for Britanny's support and we will be sure to use her again in the future!
Ross Culley is an exceptional mortgage advisor and I highly recommend his services to anyone looking for a seamless home-buying experience. From our very first conversation, he was incredibly proactive and dedicated to getting the best possible outcome for me.What impressed me most was how Ross consistently went above and beyond to support me with every query I had, no matter how small. He was extremely helpful, always available, and made a complex process feel straightforward. Most importantly, his expertise was clear when he managed to secure a much better rate from the lender than I initially expected, saving me a significant amount of money.I am truly grateful for his hard work and professional guidance. If you want a broker who is reliable, knowledgeable, and genuinely cares about getting you the best deal, I strongly suggest asking for Ross Culley!
This has been, without question, the most incompetent and irresponsible mortgage brokerage experience I have ever had. Capricorn has shown zero professionalism, zero accountability, and zero respect for their clients’ time, money, or sanity. Charging £250 for a service they can’t even deliver properly is outrageous and then dumping the consequences of their own mistakes back onto the client is beyond unacceptable.They submitted my full mortgage application before taking my consent. I was asked if I wanted to proceed (after I received the email from Santander noting that my application has already been submitted). Why ask for approval if you’ve already pushed the button? Completely reckless.They were so trigger‑happy they submitted the application with the wrong solicitor. I gave them my solicitor’s details. Too late - they’d already blasted the application through with the seller’s solicitor listed. My actual solicitor had back & forth calls with Santander because Capricorn never contacted them, despite promising they would in December. This is admin 101, and they still managed to butcher it.2 months wasted because of their negligence. The offer was ready in December 2025. It's almost end of February, Capricorn is saying they can't do anything due to “regulatory network change,” telling me to chase Openwork to fix their mistake. Apparently, taking responsibility isn’t part of their job description.They charged £250 for an incomplete, careless service. If they had simply entered the correct solicitor details and have not been trigger-happy, none of this would have happened. Instead, I’m stuck doing the job I paid them to do. Why am I handing over £250 when I’m the one fixing their mistakes?They don’t give clients options - they just pick a deal and submit it. My previous broker actually explained choices, pros and cons, and let me decide. Capricorn didn’t bother. They assumed the cheapest deal was “good enough” and submitted it without discussion. My other broker can get me the same (or better) rates without charging £250 and without acting recklessly.My other broker have confirmed this isn’t an isolated incident. I’ve since learned that Capricorn has a reputation for being “trigger-happy” with applications, submitting them before clients approve anything. Based on my experience, that’s absolutely true.Capricorn caused delays, stress, and a mess I’m still untangling all because of their own incompetence. I want my £250 refunded, and I’ll be using my previous broker who actually knows how to do their job.
We had a complicated case while buying our new property, and we truly couldn’t have asked for a better broker than Kishan Mistry. From the very beginning, Kishan went above and beyond, working around the clock and even after hours to make sure everything progressed as smoothly as possible.Our situation involved complications with foreign deposits, which could easily have become overwhelming, but Kishan handled everything with professionalism and expertise. He guided us through the process step by step and made what could have been a very stressful experience feel manageable.Not only did he handle the mortgage side brilliantly, but he also recommended excellent professionals for the other services we needed along the way, which made the whole process much easier.Throughout it all, Kishan was incredibly helpful, responsive, and calming. He made us feel comfortable, supported, and genuinely well looked after during such an important decision.We’re extremely grateful for his hard work and dedication and would highly recommend Kishan Mistry to anyone looking for a knowledgeable and committed broker.
I was VERY lucky to stumble across this company and especially, mortgage broker, Albano Toska, who was referred to me by an estate agent. I simply cannot praise Albano enough. He was friendly, clear, helpful but most of all, knowledgable and efficient - he got me a mortgage that was better than I had ever expected. He made the whole process very straightforward and I completed my house purchase today without a squeak from the lender. Albano's professionalism and expertise as broker throughout the process has been superlative; he is prepared to work weekends and evenings on your case if necessary!Albano (and also Elga, who assisted later with all the admin with the lender) were supportive, efficient and communicative and I am very grateful to them for making the mortgage process as smooth as it was. I also had a great experience dealing with Tim Aspinall who got me the life insurance and critical illness cover. I would highly recommend Capricorn Financial Consultancy for all mortgage and insurance requirements. Everyone here is very helpful and very good at what they do.
We had an excellent experience working with Ross Culley as our mortgage advisor.From day one, Ross was incredibly responsive, supportive, and knowledgeable. He answered all of our questions quickly and clearly, and was always available whenever we needed guidance. As first-time buyers, this made a huge difference and gave us real confidence throughout the process.He was with us every step of the way and made the whole journey much smoother and less stressful than we expected.We truly appreciate all his help and would highly recommend Ross Culley to anyone looking for a reliable and professional mortgage advisor.
Having had a positive experience with Capricorn FC in 2021, my partner was contacted again ahead of his re-mortgage. He scheduled an online meeting on 2 January; no one showed and no apologies were given, in advance or subsequently. Despite this, my partner arranged a follow up meeting on 6 January. Mortgage options and requirements were discussed with a promise the advisor would provide more detailed options in the next few working days. Those few days turned to weeks; 3 weeks - 24 January, in fact, after a chaser email was sent. In the meantime, another broker acting independently wrapped up the remortgage within a matter of days. My partner emailed the company setting out his experience, hoping it would help them understand where it may lose customers and to enable them to take action to address the issues highlighted. To date, Capricorn haven’t had the curtesy of acknowledging the email (though as noted, the options were sent several days after so it appears to have been received), let alone apologising or setting out what steps they’d take to prevent it from happening again.Based on this experience, we would not recommend Capricorn. It’s one thing to have an unprofessional advisor but for the company to fail to acknowledge a polite email highlighting issues shows a lack of concern for customers that speaks volumes.
Britanny was super helpful. She had answers to all of my questions at her fingertips, explained things about mortgages in a way that anyone could understand, and she was very quick responding to all comms - emails, answering the phone, etc. etc.
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We offer an advice and recommendation service on an extensive range of mortgage products, as well as guiding clients through all aspects of the house-buying process to ensure a smooth transaction.
So whether you are a first time-buyer looking to purchase your first home, a home-mover looking to ‘climb the ladder’ or have bought and sold many times already and simply want to re-finance and secure a new product, or a lower rate of interest, we can help.
Capital raising is allowed for most legal purposes, so if you are looking to fund some home improvements, or even raise the deposit for a new investment property or holiday home, then please discuss your requirements with one of our Advisers and they will be able to help find the most suitable product for your needs.
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