Review Time
As an expat undertaking a BTL remortgage, I understand that the process is more complex than the standard home based mortgage, and this is the core reason why I used John Charcol. While the case handler used polite and standard pleasantries, I found the actual support provided to be minimal. Rather than guiding me through the process, I was repeatedly asked to refer directly to either the conveyancer or the mortgage lender for answers to my queries.The value of a mortgage broker, in my view, lies not only in identifying a suitable mortgage product but also in supporting the client through the subsequent, often complicated, steps. Unfortunately, that support was lacking.I raised these concerns directly with the partner assigned to me, but my complaint was completely ignored. It feels as though, now that I have already paid, there is no incentive for the partner to respond or address my concerns or provide the level of service promised.If the service provided is limited to sourcing a mortgage, without meaningful guidance during the process, then I see little justification for the fees charged. In such a case, I could have managed this myself directly with lenders.With my mortgage, now I feel like I am in the dark as to when I can expect my mortgage docs, whether I can access my information anywhere, or even how to contact my lender! The last statement from the case handler was, "if you have any concerns, contact your lender"!! A statement used several times during the process (lender or conveyancer)Whilst in some instances you might not be "legally" obliged to provide certain responses or services, some true communication, effort, and "relationship management" goes a long way. Be careful if you are an expat. I don't think the agents are equipped to handle the complexities or frustrations of an expat mortgage.
Thomas Hale was incredible from start to finish. Easily one of the best customer experiences we’ve ever had. He made the whole mortgage process feel simple, stress free and totally manageable, we honestly couldn’t have done it without him. Always quick to reply, super knowledgeable, and genuinely cared about getting us the best outcome. Could not recommend enough.
Had the best experience getting our mortgage, Thomas Hale was incredible - so responsive, helpful and patient. Helped us whenever we needed advice, and was amazing at working with our solicitors so we completed quickly. Couldn’t be more grateful, really went above and beyond.
As an expat undertaking a BTL remortgage, I understand that the process is more complex than the standard home based mortgage, and this is the core reason why I used John Charcol. While the case handler used polite and standard pleasantries, I found the actual support provided to be minimal. Rather than guiding me through the process, I was repeatedly asked to refer directly to either the conveyancer or the mortgage lender for answers to my queries.The value of a mortgage broker, in my view, lies not only in identifying a suitable mortgage product but also in supporting the client through the subsequent, often complicated, steps. Unfortunately, that support was lacking.I raised these concerns directly with the partner assigned to me, but my complaint was completely ignored. It feels as though, now that I have already paid, there is no incentive for the partner to respond or address my concerns or provide the level of service promised.If the service provided is limited to sourcing a mortgage, without meaningful guidance during the process, then I see little justification for the fees charged. In such a case, I could have managed this myself directly with lenders.With my mortgage, now I feel like I am in the dark as to when I can expect my mortgage docs, whether I can access my information anywhere, or even how to contact my lender! The last statement from the case handler was, "if you have any concerns, contact your lender"!! A statement used several times during the process (lender or conveyancer)Whilst in some instances you might not be "legally" obliged to provide certain responses or services, some true communication, effort, and "relationship management" goes a long way. Be careful if you are an expat. I don't think the agents are equipped to handle the complexities or frustrations of an expat mortgage.
Jon Charcol sorted out my re mortgage 5 years ago and again my mortgage switch rate in the last few weeks . Both times I was given the best possible advice and options , and was kept up to date with correspondence fromThe mortgage provider. It was very smooth sailing and stress free . I will only choose to use them in the future . Highly Recommended .
Jon Charcol sorted out my re mortgage 5 years ago and again my mortgage switch rate in the last few weeks . Both times I was given the best possible advice and options , and was kept up to date with correspondence fromThe mortgage provider. It was very smooth sailing and stress free . I will only choose to use them in the future . Highly Recommended .
If everyone worked as hard or as effectively as Molly at John Charcol, the world would be a far calmer, efficient and kinder place. We are first time buyers and have just completed on our property, and I can truly say we wouldn’t have been able to do it without Molly. She extended her role to other areas of support when others let us down; she was responsive, explained each step clearly, professional and very kind and patience. We would recommend Molly Wilsden to anyone, particularly nervous first time buyers!
If everyone worked as hard or as effectively as Molly at John Charcol, the world would be a far calmer, efficient and kinder place. We are first time buyers and have just completed on our property, and I can truly say we wouldn’t have been able to do it without Molly. She extended her role to other areas of support when others let us down; she was responsive, explained each step clearly, professional and very kind and patience. We would recommend Molly Wilsden to anyone, particularly nervous first time buyers!
I had used John Charcol for taking out my initial mortgage and they were my first port of call for remortgaging. The experience was seamless and easy, with a clear check of all available options, with an explanation of the pros and cons of changing lender. Extremely grateful to Shaahid, Zerena and the team.
Claim your business profile now and gain access to all features and respond to customer reviews.
John Charcol is the original independent mortgage broker, with over 40 years' experience in finding the best mortgage rates for every type of buyer. Whether you are investing in property or are looking to buy your first home, we are experts in providing independent mortgage advice for all kinds of buyers.
rupeelo.com
barclaycard.co.uk
metatrading.ai
ultimatetax.com
tradequo.com
gobalsmining.com
getridley.com
www.1stchoicemoney.com
ironcapllc.com
atlasbullion.com