Having not only just returned to the UK following 3 years living overseas but also myself being a newly registered sole trader we knew that our application was going to be challenging for our broker. Nevertheless Gareth took this information in his stride and guided us through the obstacles to expect and how we would overcome them. Together we made a plan for the next 12 months and stayed in touch for periodic updates.
During this timeframe the coronavirus pandemic also emerged and added its own mixture of challenges to mortgage applications in general. During our periodic discussions Gareth managed our expectations as new requirements emerged and the goalposts were changed such as the lenders requiring a 15% deposit rather than the 10% we initially planned for.
At no point were we waiting on any documents or correspondence from Gareth and found him and the company to be very proactive and prepared.
Yes using a broker comes at a cost that you may be able to avoid by going through your bank but what you receive in exchange I feel is best described as the human factor. A bank will offer you one of the few products they have available and if you don’t fall into their limited categories then you’re simply unsuitable.
First Financial Solutions searched the whole market for a product that best suited our personal circumstances, finding a mortgage that best fitted our criteria, instead of us trying to fit the criteria of the lenders.
Gareth and the company as a whole were professional, passionate and are clearly highly experienced in their work.
I would be pleased to recommend their services to any friends, family or business clients in the future.
was first class. I would highly recommend First Financial Solutions to anyone looking to re-mortgage.