Review Time
PAUL WAS ABSOLUTELY AMAZING.
We had the different situation of both myself and my wife being self employed so i wasn’t the easiest thing to actually get a mortgage however Paul was brilliant. We hit dead end after dead end challenge after challenge and Paul continued to come through time and time again. He was a delight to work with professional, patient and went above and beyond.
If you’re looking for a mortgage or advice look no further than Paul.
PAUL WAS ABSOLUTELY AMAZING.We had the different situation of both myself and my wife being self employed so i wasn’t the easiest thing to actually get a mortgage however Paul was brilliant. We hit dead end after dead end challenge after challenge and Paul continued to come through time and time again. He was a delight to work with professional, patient and went above and beyond.If you’re looking for a mortgage or advice look no further than Paul.
Went to view a house with flagship under the shared ownership scheme. They stated that I had to pass an affordability check with just mortgages in order to progress my application- therefore had a telephone call with Matt Tilbury to discuss this. Looking back now that’s how they get you to start a mortage with them. My backstory was maybe a tad more complex than others with some previous poor credit on my credit file and DMP. I explained to Matt all of this from the get go and he stated that he would be able to work his magic, he’d worked with lots of scenarios like this before and it wouldn’t be an issue. Did an application - at a cost of £150 for the application only to find I got instantly declined because Matt hasn’t declared to them all the information that I had told him which was the whole purpose of using them. We tried a second lender £250 for another application and again they declined. In the mist of all of this I had selected a solicitor to use and paid £400 for them to commence with the promise that Matt would be able to get me a mortage- Just to be clear I paid £150 for a mortage application- yet to be refunded- paid on the 11/02/226 £250 to reserve the flagship house£250 for a second mortage application that if you read the small print is non refundable- agin no refund £400 on solicitors which is partly my own fault! Went to view the house onThe 18th December and 3 months later I still don’t have a mortgage via them. Was holding on hope but now wondering why I bothered. The last offer they came back with was for one last try- £199 application, £600 legal feeds, £375 valuation! No thanks!
Emma was brilliant from start to finish, she was very informative, professional and answered all of my questions with great detail. I would highly recommend Emma to any of my friends and family, it was so nice to have someone so lovely to navigate me with my mortgage queries and explore all of my options. Thank you Emma, your a star!!
Carolina Salinschi made a stressful process smooth and straightforward! She explained everything clearly and made sure we understood all our options before making decisions. Friendly, professional and extremely helpful — we couldn’t have asked for better support.
Disappointed with Jess. Had a video call meeting on the 8th of January to try and get the ball moving on a mortgage offer for me and my partner - both first time buyers. Jess seemed knowledgeable however we sent some bits that she asked us to send over, still to this day are yet to receive a reply, this is despite emailing her again to ask if theres any update. Since then we found another mortgage broker who have us an official offer on a house within 2.5 weeks. Also costing us £400 less. Feel as though because we didnt have the sizeable income other people may have she chose not to bother. Would've been nice to at least be updated and not left lingering. It's cost her a customer and its cost Haart Estate Agents a transaction, we've chosen to go with another estate agent based off principle despite liking a property on Haart in Bracebridge Heath
I paid a £499 fee to Just Mortgages for help securing a mortgage on an ex-local authority flat. My adviser, Caroline Smith, was initially very confident the application would succeed and presented herself as someone who would fight to get the deal through.When the valuation came back unfavourable — the same outcome we had seen with other lenders due to the property type — her approach changed completely. Rather than exploring specialist lender options, she advised me to walk away from the property. She did eventually suggest a specialist lender, but at a significantly higher rate than I was comfortable with.I subsequently found another broker independently, who secured a formal mortgage offer with a specialist lender at a far better rate on the same property.I felt that for £499, the due diligence on lender suitability for this specific property type should have been more thorough before the application was submitted, and that the specialist market wasn't explored with enough effort when the mainstream route failed. I'd recommend anyone with a complex property case to ensure their broker has specific experience with specialist lenders before paying an upfront fee.
Emma Ward was very helpful. I had particular questions that I knew would probably not be readily answered. I knew that research would be required. She understood where I was coming from as a parent trying to assist a family member to get a first mortgage. I do not reside in the U.K. and am unfamiliar with the various schemes that are available. Emma was quick and efficient in her research. Excellent.
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