Active Mortgages Avaliações 318

When we found our dream home on Zoopla, I almost let it go. At the time I was a few months away from the promise of a promotion and my partner was still a few weeks away from finishing uni so our income was pretty low. I’d spent the last couple of years keeping a close eye on the market so that we would be confident with what we wanted when the time to buy was finally right. One day, I found a particular flat that ticked all of our boxes in a way I had not seen before and I just could not let it go! After a spontaneous viewing we were completely in love with it and that’s when we reached out to Ian Brett. I felt completely mad telling him about our situation. Although I was confident that our low income would be drastically increasing soon, I had no way of proving this which made me doubt whether we would be able to get a mortgage offer. However, from the moment we first made contact, Ian was wonderful. He set up a call with us for the next day (which was a Saturday!) and took us through an action-plan on how we could make it happen. He made us feel like the impossible could be done, and seemed willing to drop anything to make it happen for us. The confidence he gave us led us to putting in an offer first thing on the Monday and it was accepted!

Over the following days, complications started to arise. Firstly, the flat was above a shop which is something many lenders would refuse to lend on. Secondly, in order to secure our mortgage in principle, we needed a guarantor (given our current low income) which was another complication that some lenders may not be comfortable with. For a moment it felt like we would not be able to find a lender but unbelievably Ian not only found us a lender, but secured us the best rate on the market! I was stunned as we were first time buyers, I had no credit score and our income was low but somehow we had a fantastic offer.

Things seemed to be fairly smooth-sailing for a while but, as anyone who has gone through the process of buying a complicated property will know, things eventually started going a bit wrong. A massive variety of issues including a defective lease, a frightening survey report and many many other legal issues became apparent. Over the seven months that it took to complete, there were several moments we thought the purchase had fallen through causing unimaginable stress but every time Ian was there to reassure us.

Ian reached out to us consistently throughout the entire process, checking in on how the purchase was going. He was incredibly helpful with translating a lot of the legal terminology, even talking directly to our solicitor and reassured us throughout when things seemed to be going horribly wrong. Every time a complication arose that we needed to inform the bank of, Ian took care of it and updated us promptly whenever news came in.

About a month before we completed, Ian reached out to us informing us that interest rates had decreased and asked if we were okay with him reapplying for the mortgage to get a better offer. Of course we were happy and he managed to lower our interest rate by ~0.5% saving us around £1200 across the two year fixed term we agreed to.

After a stressful year we are now happily settled in to our new home. I’m thrilled we love place as I’ve told myself we are never allowed to move again as I’m not sure I can take the trauma of it haha! However, if we ever do, I know that without a doubt we will be going back to Ian.

Quick and easy
Emma took all of the stress out of finding/ applying and getting an appropriate mortgage offer
From start to finish she was prompt with replies and had everything set and in place when needed from mortgage application to income protection

Great service. Excellent 👍.

Good customer service and quick response.
Thanks

Jamie Murray is absolutely top of his game, his ability to ensure a product is right for his customers is second to none and his diligence in finding the best rates means he'll easily beat any other mortgage advisor.

Pleasant, polite, punctual and professional. What more can you ask for.

As first-time buyers, my husband and I were quite anxious about the mortgage process, especially since we had only been in our new jobs for a couple of months. Dan Knott has been absolutely fantastic from start to finish. He took the time to explain every step clearly and made sure we understood all our options.

What stood out the most was how patient and reassuring he was throughout the process. Dan was always available to answer our questions and made us feel completely at ease during what could have been a very stressful time. Thanks to his support and guidance, buying our first home felt so much easier and far less daunting than we expected.

We 100% recommend Dan to anyone looking for a knowledgeable, supportive, and genuinely caring mortgage advisor.

I cannot recommend Ian highly enough, he has been so helpful and responsive in supporting me through the whole process! He has been so patient and he was able to explain everything to me really clearly. He’s made everything feel manageable and I wish everyone could be as kind and as efficient as him! Thank you!

Ian Brett has handled our mortgage process and has been very helpful at every stage. Being FTB he has been brilliant walking us through the steps and delivering our mortgage. I would highly recommend Ian for anyone looking for an advisor.

Super straight forward
Our two year fixed mortgage was coming to an end. Dan reached out to us with plenty of notice to arrange a chat. Found us the best deal we could get and locked us in at a much more favourable rate for a 5 year fixed. Took away all the stress and didn’t cost us anymore than it would have without his help. Win win. Thanks for the help Dan, speak to you in 4 years 9 months time to do it again

Totally professional from start to finish of the process.
We were kept fully informed at all stages which made our decisions very easy to make. Complete confidence in Simon who advised us in a very easy to understand way.

It was a great experience with mortgage wallet as it informed us step by step, keeper in loop about stages of mortgage. Mortgage advisor was amazing with all the information received.

Ian has been super responsive, organised and professional during this process!! Highly recommend.

Very friendly approach; easy to deal with.

Great knowledge always willing to go the extra mile to help, 5 star service.

The speed of getting my mortgage approved

We had a great experience with Active Mortgages! Dan was professional, responsive, and took the time to really understand our situation. Communication was excellent—he was flexible and accommodated our schedule, guiding us through every step of the process clearly and patiently. We would highly recommend Active Mortgages!

We can’t recommend Daniel Knott enough, he has been brilliant from the start! Very approachable and always takes the time to answer any questions quickly and clearly, and ensured we understood each step of the process, which made the whole experience a lot less stressful. We couldn’t have asked for better support and will happily recommend Dan to anyone looking for an advisor!

The team were very helpful with all the steps to get a mortgage.

Highly recommend Dan, explained everything in detail, answered any questions we had and made us feel at ease throughout the full process in deciding the right mortgage for us.

Jamie and Zoe what a team! Got our mortgage sorted in record time. Their professionalism and knowledge was outstanding. Will be working with them again soon on our next HMO.