Reviewed for

Insurance and Protection ( 12 )

Mortgages ( 25 )

Pensions ( 13 )

Equity Release ( 1 )

Retirement income (annuities, drawdown) ( 2 )

Auto Enrolment ( 1 )

Investments and Savings ( 10 )

Pension Transfers - Non Specialist ( 1 )

Inheritance Planning ( 1 )

Financial Planning ( 1 )

Reviewers' assets

£500k+ ( 2 )

£100k - £200k ( 3 )

Up to £50k ( 17 )

£50k - 100k ( 4 )

Client reviews

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I personaly have used a financial advisor before, but my personal circumstances changed and i found myself and my partner in need of expert help and advise again.

How has Daniel Cottam helped you?

Daniel helped both myself and my partner with mortgage advise, pension advise, and insurance advise

Have you seen the outcome you were hoping for?

Both myself and my partner are over the moon with the outcome we achieved

What could they have done better?

I dont think they could have done better. We are happy to think of the hole team as friends for life.

Daniel's reply

Thanks for the great feedback David

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I needed to set up a pension and savings scheme for my son. Dan has also helped me with a mortgage in the past

How has Daniel Cottam helped you?

He explained all the options that were available and walked me through the process step by step.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing

Review from verified client

June, 2021

Overall

Service

Advice

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Reviewing my retirement meant that I was unsure of exactly how much I'd need to plan for and also wanted to reduce my tax liability.

How has Daniel Cottam helped you?

Dan gave me sound advice in respect of investments with a scheme to not only allow for an increase in my investment (with associated risks) but also a good base with which to reduce my tax liability. In respect of my pension, Dan gave me a clear plan on how to achieve the income that I wanted at retirement with a clear plan as to what I need to do now and in the coming years.

Have you seen the outcome you were hoping for?

Difficult to say, as I've not retired yet! I've been very happy with the simple advice given and methodology applied to demonstrate my long terms goals.

What could they have done better?

Honestly I'm not sure what Dan could have done differently. I listened to his advice, I threw a few curve balls at him and he came back with facts figures and evidence to support what he was telling me. He didn't overcomplicate the advice and made me aware of the risks associated with my product choices. Overall, there's nothing I would have changed from my experience, other than perhaps that I didn't engage Dan soon enough!

Daniel's reply

Thanks Criag

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was in the process of selling my house and I felt I needed the guidance/advice of Daniel to make sure I was making the right decisions.

How has Daniel Cottam helped you?

He was always on hand to answer the phone and give me an update on my mortgage application. When a problem occurred he was available to help and come to a resolution that helped us to move forward.

Have you seen the outcome you were hoping for?

Yes, we got our dream home.

What could they have done better?

Overall I thought Daniel was fantastic, I was recommended him by a friend and I will recommend him to others in the future.

Daniel's reply

Thanks for the review Daniel. Enjoy your new home.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

We were in a what we believed to be a unique position and looking for specific mortgage advice. Daniel's name was mentioned a lot on a professional social media platform and we reached out to him.

How has Daniel Cottam helped you?

We were really impressed by Daniel's suggestions and advice. He was able to secure us a mortgage deal that was right for our positions. Dan was so helpful throughout this whole fraught process of house buying, was always very easy to reach and very responsive to all our endless queries. We really appreciated all the effort and time he put in throughout this process in securing the completion of the property. I would definitely recommend Dan's advice and expertise to friends, colleagues and family.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I can't think of anything I could fault Daniel on.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Reassess the whole of my financial situation

How has Daniel Cottam helped you?

I felt Daniel took his time to completely understand my circumstances and gave some excellent tailored advice about how to move forward.

Have you seen the outcome you were hoping for?

Yes, and more to come in the future.

What could they have done better?

Can't think of anything

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Needed an overall review of my retirement plans

How has Daniel Cottam helped you?

Dan went through all of many options carefully a diligently

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

I needed a mortgage to buy a new home.

How has Daniel Cottam helped you?

Daniel was fantastic. Communication was brilliant. He would never ignore a message or a phone call even if it was outside of working hours. Before meeting Daniel I had already reserved a property and only had a limited time until the property could be released for someone else to purchase. Daniel worked swiftly to ensure this didn’t happen.

Have you seen the outcome you were hoping for?

Yes I was accepted on my mortgage and I am now living in my new home.

What could they have done better?

Couldn’t fault Daniel if I tried

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

remortgage

How has Daniel Cottam helped you?

Provided exceptional service

Have you seen the outcome you were hoping for?

yes

What could they have done better?

n/A

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Following divorce I needed to remortgage. I didn't know anybody who could advice me with these financial matters and I didn't want to go to my bank. My search led me to Daniel. Our meeting took about one hour. I told him about my issues , Daniel worked it all through there and then and in no time there was a solid plan for me to move forward. It was as easy as that. Honestly, Daniel took a weight of my shoulders and allowed me to move forward with my new life. Thank you so much.

How has Daniel Cottam helped you?

See above

Have you seen the outcome you were hoping for?

Definitely.

What could they have done better?

Positive in every way

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I'm a strong believer that often the trick in life is not what you know but knowing what you don't know and that's why I would always seek advice and counsel of those that specialise and work with them to relate it to my own needs and desires.

How has Daniel Cottam helped you?

Dan provided astute advice outlining current trends for pensions and property and how various structures could be utilised, it was reassuring to discuss with someone who clearly demonstrated both knowledge and understanding of hid field and also an ability to relate to my own queries.

Have you seen the outcome you were hoping for?

Too early at this stage but Dan has given me a great directional start

Review from verified client

August, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

A client of mine was looking for an financial advisor. I knew Dan for a while and recommended him. The feedback I received from my client was that Dan was professional and provide great advice and service

How has Daniel Cottam helped you?

Dan was professional and maintained my reputation when I referred him to a valuable client. I have no reservations referring Dan in the future

Have you seen the outcome you were hoping for?

Yes, my client was happy with what he wanted from Dan

What could they have done better?

N/A

Review from verified client

May, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Looking for some initial support in Mortgage advise. Assisted us with getting our first mortgage, and re-mortgages since. Great deals with great advise and support.

How has Daniel Cottam helped you?

Assisted us with our mortgage and re-mortgages, as well as providing advice on our pensions, insurance, and general guidance.

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

I do not think I can ask of any more from Daniel

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

To organise my Pension

How has Daniel Cottam helped you?

He helped me sort out my pensions into one Pension pot as I requested and helped me get a fantastic rate on my Remortgage, with a lot of obstacles along the way.

Have you seen the outcome you were hoping for?

Yes, my pension is running well and our Remortgage has just been agreed.

What could they have done better?

Nothing, he’s been brilliant. Well chuffed.

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was due a re-mortgage

How has Daniel Cottam helped you?

Dan looked at my re-mortgage (BTL) and additionally looked at my main residence and quickly identified that although I was in a fixed period, was able to make substantial savings AND reduce the length of my mortgage at the same time!

Have you seen the outcome you were hoping for?

Yes and much more too!

What could they have done better?

I'm not sure really, given that Dan already went above and beyond my expectations. He managed me well also, which, in itself is an accomplishment!

Review from verified client

December, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Moving my investment pension to another platform

How has Daniel Cottam helped you?

Advising on the best way to invest my money

Have you seen the outcome you were hoping for?

It is early days yet

What could they have done better?

Dan was fantastic

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Lancashire

What were the circumstances that caused you to initially look for an adviser?

Pension as part of divorce settlement and pension amalgamation

How has Daniel Cottam helped you?

Daniel is arranging for existing pensions to be amalgamated and also transfer of pension as part of a divorce settlement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

We wanted to buy property and we looked for help. We find Mr Cottam to help us on getting a mortgage. We worked with Mr Cottam and he helped us to buy 3 property’s and also borrowing some extra money on 2 existing mortgages.

How has Daniel Cottam helped you?

He helped us to find the lender ,based on our circumstances

Have you seen the outcome you were hoping for?

Yes of course ,we have seen the outcome expecting.

What could they have done better?

He was very successful on every task we have gave to him .we have recommended him to our family friend and also we will continue to recommend Mr Cottam

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Merseyside

What were the circumstances that caused you to initially look for an adviser?

We are coming up to retirement and wanted advice.

How has Daniel Cottam helped you?

He worked out the best way to sort out our finances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Don't really think he could have improved his support for us. He totally understood where we are at and tailored his advice and guidance accordingly.

Review from verified client

July, 2017

Overall

Value

Advice

Service

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

buy house.

How has Daniel Cottam helped you?

got offer from mortgage company.

Have you seen the outcome you were hoping for?

yes.

Review from verified client

July, 2017

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Buying a house.

How has Daniel Cottam helped you?

gots our mortgage offer.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

nothing

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Looking for a mortgage for house move.

How has Daniel Cottam helped you?

Provided advice on which mortgage product and provider to apply for.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

April, 2017

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

First time buyers looking to obtain a DIP for a certain value to allow us to make an offer on a house.

How has Daniel Cottam helped you?

Daniel got us a DIP.

Have you seen the outcome you were hoping for?

No.

What could they have done better?

Email people back ... I emailed Daniel but got no response back. I have since contacted another FA.

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Daniel

Very friendly and professional service

Review from verified client

December, 2016

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Remortgage.

How has Daniel Cottam helped you?

Daniel looked at my current mortgage I was fixed at and compared it to other mortgages deals to see if my costs could be reduced. He found a new mortgage for me which will be saving me a significant amount of money.

Have you seen the outcome you were hoping for?

Yes,even with taking into account the redemption payment I am saving alot of money with my new mortgage.

What could they have done better?

Nothing,Daniel was very helpful.

First impression from a user who is not yet a client

September, 2016

Overall

Please provide a brief comment about your experience with Daniel

He is very good

Review from verified client

August, 2016

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

We had a swiss franc mortgage on an apartment in cyprus - interest rates and currency fluctuations had made it scarily expensive. We needed to re-mortgage our uk home to clear that debt hanging over us. As self employed we thought it would be difficult, and not affordable.

How has Daniel Cottam helped you?

he asked us what we needed and what we could afford, listened to our concerns -- then found a lender that could do what we needed , fixed 5 years for peace of mind , and in the timescale we needed it ( just before Brexit !).

Have you seen the outcome you were hoping for?

yes - all sorted , now on an even keel and can sleep at night.

What could they have done better?

he was great in every way - chasing up the paperwork, lender, their solicitor, keeping us informed and making sure we'd given them everything that was needed

First impression from a user who is not yet a client

July, 2016

Overall

Please provide a brief comment about your experience with Daniel

Friendly. Relaxed. Not pressurising. Will continue to use.

Review from verified client

April, 2016

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Came to Re-Mortgage our property and new how good Daniel was.

How has Daniel Cottam helped you?

Secured the mortgage and now saving us £350.00 per month.

Have you seen the outcome you were hoping for?

Yes it was, Delighted with the outcome.

What could they have done better?

Nothing. everything was covered in full detail

First impression from a user who is not yet a client

April, 2016

Overall

Please provide a brief comment about your experience with Daniel

Very friendly and informative. Easy to talk to.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Make things easier and smoother for us.

How has Daniel Cottam helped you?

Very helpful and would recommend to anybody looking for somebody to help them.

Have you seen the outcome you were hoping for?

Yes great outcome, very pleased with everything Dan did for us.

What could they have done better?

Very helpful and makes it a lot easier for you and Dan takes the stress away.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Struggling to find a mortgage.

How has Daniel Cottam helped you?

He sourced the best deal for us under difficult circumstances.

Have you seen the outcome you were hoping for?

Daniel was helpful from start to finish with nothing ever being too much trouble. Daniel was available at all times of the day and night if we had any questions or didn't quite understand something we have now moved into our new house.

What could they have done better?

Nothing the service was second to none from beginning to end.

Review from verified client

December, 2015

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was looking for a fixed mortgage rate lower than I was currently paying. I had ben declined by a number of providers due to some problems in the past so had almost given up finding anything.

How has Daniel Cottam helped you?

Daniel took all the historic issues in his stride and was able to find a great rate and a company who would lend to us allowing us to save money and reduce the term of our existing mortgage.

Have you seen the outcome you were hoping for?

We completed yesterday and are able to start to move forward in a much better financial position. Never thought it would have been possible.

What could they have done better?

There is nothing that could have been better, communication was impeccable from Daniel and the company and I was kept appraised of any progress even when things were moving slowly.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I originally had contacted a friend who recommended Daniel to myself and my partner to advise us on Mortgage applications. I have now known Daniel for nearly a year and he has provided not only sound advice throughout but also excellent customer service.

How has Daniel Cottam helped you?

Daniel has been assisting myself and my partner in financial aspects in order for us to apply for our first mortgage. Daniel has always been available and attentive and I cannot fault Daniel at any stage of the process. Thanks to Daniel both myself and my partner are nearly on the property ladder as we wait to move into our new home.

Have you seen the outcome you were hoping for?

We are currently awaiting our vendor to find another property before we can complete the buy and move in. Daniel checks in regularly and is always on hand to assist at any point. Without Daniel I can honestly say it wouldn't have been possible.

What could they have done better?

I cannot fault Daniel at any stage in this process. Couldnt have asked for better.

Review from verified client

October, 2015

Overall

Advice

Service

Value

Based in Cambridgeshire

What were the circumstances that caused you to initially look for an adviser?

We were looking at selling our property and increasing our mortgage.

How has Daniel Cottam helped you?

He provided us with support and advice initially and then arranged the mortgage application as well as the necessary insurances.

Have you seen the outcome you were hoping for?

We have now moved into our new house, very happy.

What could they have done better?

I don't think there is anything that could have been done better, we had some long waits during the process but this was not Dan's doing he continued to stay in contact and do all that he could to ensure a positive outcome.

First impression from a user who is not yet a client

August, 2015

Overall

Please provide a brief comment about your experience with Daniel

Daniel got back to me within an hour of submitting my enquiry form, we have booked an appointment to meet and i feel confident so far...

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Leicestershire

What were the circumstances that caused you to initially look for an adviser?

We were looking for a new mortgage to enable us to purchase a larger house.

How has Daniel Cottam helped you?

Dan advised us on the different products that were available.

Have you seen the outcome you were hoping for?

We managed to get a mortgage to suit our situation now and going forward.

What could they have done better?

We were really satisfied with the every aspects of the service Dan offers.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

end of Mortgage term.

How has Daniel Cottam helped you?

Saved me money on my existing properties.

Have you seen the outcome you were hoping for?

all agreed.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

My partner and I were looking for a mortgage and struggling with the "main" lenders given our credit history and myself recently being off work for a short period of time following major surgery

How has Daniel Cottam helped you?

Daniel was honest and focused from the beginning and it was clear quite early on he would be able to help us where others had not bothered or weren't interested in helping He was open about our circumstances but we still felt that a mortgage was an option for us We ended up in a contract race and pleased to say we were successful Quick and honest feedback throughout the entire process

Have you seen the outcome you were hoping for?

We have secured a mortgage and should collect our keys this Friday, we went from enquiring to moving in around 6-7 weeks

First impression from a user who is not yet a client

May, 2015

Overall

Please provide a brief comment about your experience with Daniel

So far has been punctual for our appointment and shows a good knowledge of the market with a good understanding of my wishes with a positive outlook. Our next meeting will decide if we have a business future.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Leicestershire

How has Daniel Cottam helped you?

Dan has been a pleasure to deal with from start to finish. very professional and easy to talk with. Definitely a person i would recommend to others and have done so already.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in West Midlands

How has Daniel Cottam helped you?

I was in a tricky financial position of still being tied into an existing mortgage which was going to take some time to get out of. Daniel found me a lender willing to provide me with the necessary funds to have a second mortgage to enable me to purchase a flat. The process with the lender was quite stressful but Daniel kept a cool head and guided me past the finish line to finally get my offer.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Leicestershire

How has Daniel Cottam helped you?

Great advice on the best mortgage deals and insurance policies

Review from verified client

October, 2014

Overall

Advice

Service

Value

Based in Lancashire

How has Daniel Cottam helped you?

I have had a number of meetings with Daniel and have always found him to give me honest and independent advise on the services I was looking for without trying to sell me products I did not need. I found him to be punctual, polite and very easy to communicate with as he listened to my needs. I will be contacting Daniel again when I am ready to renew my mortgage in the next 12 months and am looking to discuss pension advise with him in the near future.

Review from verified client

August, 2014

Overall

Advice

Service

Value

Based in Hampshire

How has Daniel Cottam helped you?

He took the time to listen to where I wanted to be with my money, and then came up with improvements in both cover and tax savings to help maximise these areas, for both financial safety and for investment purposes, yet still allowed me some freedom with the final decisions and choices, so we were both comfortable with the outcome.

Review from verified client

July, 2014

Overall

Advice

Service

Value

Based in West Midlands

How has Daniel Cottam helped you?

Daniel made the mortgage process as stress-free as possible and provided me with a clear comparison of mortgage providers. He explained things clearly to me, and I would definitely recommend him to my friends.