Chris Mills

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

I had an ISA that was costing me a lot in fees and I wanted to place it elsewhere. I also needed help in sorting out my retirement planning.

How has Chris Mills helped you?

He talked me through the options I had for both my ISA investments and my pensions and explained carefully the changes that could be made and why they would be beneficial. He also outlined the part he would play in guiding the process.

Have you seen the outcome you were hoping for?

I am pleased with the advice and have just completed the paperwork to make the changes.

What could they have done better?

I am pleased with all the advice given.

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

A purchase of a new property meant we required mortgage advice

How has Chris Mills helped you?

Chris helped us by finding us the best mortgage deals based on our financial position. He also ran through suggestions on mortgage terms and explained things clearly in ‘real terms’. He was quick to avoid any delays with our purchase and great to communicate with

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, service was perfect!

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

Purchasing of our next house.

How has Chris Mills helped you?

Chris has helped us to be able to purchase our new home.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, Chris is amazing! He goes above and beyond for his clients!

Please provide a brief comment about your experience with Chris

I can't recommend Chris more highly. He's exceptionally helpful, courteous, and very generous with his time and extensive expertise. I would certainly use his services again, and would absolutely encourage others to do the same. His colleague, Jess, was also exceptionally courteous and helpful. Thank you!

Please provide a brief comment about your experience with Chris

personal finance planning

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

Initially, I was a first time buyer, looking for mortgage advice.

How has Chris Mills helped you?

Chris guided me through the mortgage borrowing process.

Have you seen the outcome you were hoping for?

Chris made me feel completely at ease with his professionalism and knowledge. Nothing was too much trouble. He made sure that I was protected with income protection and home insurance. He also looks after my pensions and investments which have both matured considerably since he started managing them for me. Because of Chris’s incredible service, I have subsequently recommended Him to my friends and family, who also use him and are also as happy with his service, as I am. Thank you Chris.

What could they have done better?

N/A

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

I changed jobs and needed to transfer my pension and was going self employed

How has Chris Mills helped you?

As i was going self employed he directed me and helped me to secure affordable insurances to cover me if i got sick. He also set up my life insurance for me and regularly checks in to make sure i am supported with anything i need.

Have you seen the outcome you were hoping for?

Yes perfect

What could they have done better?

Nothing , he has been amazing

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

We were looking to purchase our first house

How has Chris Mills helped you?

He talked us through our options and got us the mortgage that we needed

Have you seen the outcome you were hoping for?

Yes

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

We had no idea where to start with buying our first house

How has Chris Mills helped you?

Chris explained everything, gave us all of the options with breakdowns in prices and processes....we are now buying our first home!

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing at all, he was so helpful

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

Me and my partner were looking for advice for what we could afford regarding buying house

How has Chris Mills helped you?

Chris has been super helpful with the advice he gave and explaining things making it easier for us to understand figures and really taking the time to make sure our questions were answered throughly definitely made us feel at ease as it can be quite daunting discussing finances

Have you seen the outcome you were hoping for?

Most definitely

What could they have done better?

Nothing, we’ve had no issues whatsoever. So thank you again Chris for all your help

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

I was looking to purchase a property and Chris had previously helped me.

How has Chris Mills helped you?

He explains everything very clearly and really strives to go above and beyond. I would 100% recommend Chris to friends and family and I actually have done that! Others have also been impressed with the service he provides.

Have you seen the outcome you were hoping for?

Chris has managed to secure me an affordable mortgage which is so beneficial in the long run regarding my monthly payments and still being able to budget.

What could they have done better?

Chris did everything I hoped for so no negatives.

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

Financial advice in preparation for retirement.

How has Chris Mills helped you?

Chris helped me plan for retirement with financial advice with pensions, savings and investments.

Have you seen the outcome you were hoping for?

I have seen the benefits gained from Chris Mills advice on pension and investment.

What could they have done better?

All aspects are always fully covered to complete satisfaction.

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

We needed to move some money due to recent inheritance.

How has Chris Mills helped you?

We have known Chris for around 6 years when he helped us with our mortgages. We trust Chris implicitly to give us the best advice and would not use another advisor.

Have you seen the outcome you were hoping for?

Yes, absolutely

What could they have done better?

Nothing. As alway Chris explained everything perfectly.

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

My daughter is looking to purchase her 1st property and required mortgage advice. My wife and I are looking to invest some savings.

How has Chris Mills helped you?

Chris has spent time advising my daughter on mortgage/ house options and secured an affordable mortgage for her to enable her 1st house purchase. He’s also set my wife and I up with an investment portfolio whilst also looking at pension options.

Have you seen the outcome you were hoping for?

Absolutely. Fantastic advice and daughter’s mortgage sorted. Investment portfolio set up. Extremely professional service tailored to our specific needs and situation.

What could they have done better?

I can’t think of anything.

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

After several years of having numerous pensions with different providers, I was unsure and deeply concerned whether I would have enough to live on once I retired. I contacted Chris by recommendation of a colleague at work to see if he could advise the best way forward.

How has Chris Mills helped you?

Chris came to the house and from the offset was a pleasure to deal with. My wife was always in on our conversations and we both agreed how personable he has been on all the occasions he has visited. After going through all relevant documents and gathering how much I currently had in the pension pot, he asked what sort of yearly income would I expect once I retired. He then calculated how much I needed to contribute and merged all my pensions with Quilter.

Have you seen the outcome you were hoping for?

I can keep a regular track on how my pension is behaving and have seen at least 15% growth. I am pleased to say it is heading in the right direction which has given me peace of mind after turbulent years of worry and not knowing where my financial future lied.

What could they have done better?

In all honesty I can’t find fault in the service and trust the advice I have received.

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

Buy to let Mortgages

How has Chris Mills helped you?

Had helped with Mortgages, pensions and investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

I had several pensions from different jobs / providers and Chris was a referral from a friend

How has Chris Mills helped you?

Over the last 5 years Chris has spent a lot of time with me helping me to consolidate my pensions and changing arrangements resulting in better returns on my pension pot.

Have you seen the outcome you were hoping for?

Yes and continuing to grow.

What could they have done better?

Nothing - Chris is friendly, always available and has been more than pro-active in his approach.

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

As a charity we were looking for an easier way to manage bank accounts.

How has Chris Mills helped you?

Chris advised us to Insignia. he researched the accounts, gave us a projection of the return, helped us complete the paperwork and secured much higher rates than the banks used normally offer.

Have you seen the outcome you were hoping for?

Chris has advised us to use Fixed 1 yr accounts so the return is guaranteed.

What could they have done better?

Nothing

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

We are both hard-working professionals and over the years that we have known Chris, we also had a growing family. This meant that we had very little time to do our own research into products and figure out the best services/products. Chris has made everything so much smoother/easier to manage. Having a financial advisor means that you can look to them for their professional guidance and advice - it takes out all the groundwork for us.

How has Chris Mills helped you?

Chris has been our financial advisor for over 15 years. In that time, he has advised us in many areas as indicated above, from mortgages, remortgaging, pensions and investments, moving pensions, estate planning advice et al. His advice and guidance have been invaluable to us as it means that we have managed our finances better and made positive choices. Chris's input has saved us a lot of hours doing research ourselves and saves us time in searching for providers of the services we require. We completely trust him. We have seen excellent growth on our investments and we have saved money on mortgage rates.

Have you seen the outcome you were hoping for?

Yes, and this continue to be positive

What could they have done better?

N/a. Chris is very proactive and responsive.

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

We ask Chris to provide guidance for moving house when our mortgage was still within the fixedpdriod

How has Chris Mills helped you?

Chris has helped us with new and renewing mortgages now for years and has always been very helpful and quick to carry out the applications

Have you seen the outcome you were hoping for?

Yes

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

First time buyers

How has Chris Mills helped you?

Chris has secured us a mortgage.

Have you seen the outcome you were hoping for?

Chris has exceeded the outcome we were expecting.

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

Looking for a first time buyer mortgage and associated income/life protection insurances.

How has Chris Mills helped you?

Chris was able to review our collective circumstances and recommend the right mortgage product for us at the most competitive rate available at this time. Chris has also put forward compelling income/life protection policies that we are currently considering.

Have you seen the outcome you were hoping for?

Chris has hit the nail on the head of all that we've asked for and has provided help at all times, even outside of working hours (thankyou!).

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

I was recommended Chris to do our mortgage .

How has Chris Mills helped you?

Chris has been brilliant ,getting a mortgage at 53 and 54 was quite worrying as we are first time buyers . We chatted and I felt his warmth and compassion for our concerns .Hes friendly ,polite,chatty and very helpful and supportive.Cant recommend Chris enough .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing !

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

Remortgage and new house purchase new mortgage

How has Chris Mills helped you?

Given me advice on the mortgage to remortgage and a new mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

In my opinion nothing could have been better.

Please provide a brief comment about your experience with Chris

Chris has patiently provided me with the financial advice I was seeking. The experience was professional, friendly, clear and thorough. Chris took his time to explain my position and offered valuable advice in terms of future planning. I would highly recommend him to anyone seeking to speak with a financial adviser.

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

I felt like I needed an advisor that wasn't linked to the high street banks, and someone that can provide a better insight and advice when it came to mortgaging my property.

How has Chris Mills helped you?

Chris has helped with my multiple mortgages now.

Have you seen the outcome you were hoping for?

Yes, a smooth process every time.

What could they have done better?

N/A

Please provide a brief comment about your experience with Chris

Chris has truly been outstanding - he has provided excellent support and guidance. He is extremely thorough and he has provided first-class professional advice. Chris is a true professional. I have certainly gained a huge amount of knowledge and awareness from our conversations. Excellent in all aspects of his work. Highly recommended.

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

Wanted to start long term financial planning.

How has Chris Mills helped you?

Helped me set up a long term fund that works best for my situation and gets the most out of the money I’m able to invest.

Have you seen the outcome you were hoping for?

Definitely - consistently seeing improvements on investment.

What could they have done better?

Nothing.

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

Mortgage deal was coming to an end

How has Chris Mills helped you?

Sourced me a good new mortgage deal and gave me advice on it

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing

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

Pensions were a mess

How has Chris Mills helped you?

Consolidated all of them and set up a private pension for me.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

nothing

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

Needed to address financial situation regarding mortgage and future pension opportunities

How has Chris Mills helped you?

Clear concise advice extremely professional makes you feel like you’re his only client

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a lot

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

I am unwell and needed to give up work. Over the years I had multiple pensions. I also thought that there may have been a pension that I did not have information on.

How has Chris Mills helped you?

My multiple pensions were reviewed and Chris found an additional one. These have been consolidated and a way forward agreed. His advice, guidance and input have been second to none. Chris is very responsive, conscientious and proactive. He has been a great help.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Chris has been great. I don’t think he could have done anything better.

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

I wasn't confident that we were doing the right thing in terms of inheritance planning. Chris was very helpful in providing a range of options for our particular situation.

How has Chris Mills helped you?

IHT planning and potentially some private pension advice. Chris was very happy to answer any questions and help throughout the process and explain things in lay terms so that anyone could understand what is involved.

Have you seen the outcome you were hoping for?

We are in the process of setting up an insurance policy with Chris' assistance.

Please provide a brief comment about your experience with Chris

Chris has taken the time to review all of our requirements with our somewhat complicated pension arrangements. He has always made us very comfortable and we feel confident with the advice he has given us, offering a very personal service.

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

Chris helped me when I had poor advice from another advisor

How has Chris Mills helped you?

Clear and easy explanation helping me get the best deal for my mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

A review of my overall pensions

How has Chris Mills helped you?

Was able to develop an appropriate strategy for my retirement goals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. I’ve been seeing Chris for years and wouldn’t place my trust in anyone else.

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

Remortgage

How has Chris Mills helped you?

Helped with remortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

I wanted to retire but did not know if I could from as financial point of view

How has Chris Mills helped you?

I had a number of pensions which I had joined over my whole working career, Chris went through them all on my behalf and arranged for a number of them to start paying me and the 25% tax free, this allowed me to pay off my mortgage and now I have retired from working life early.

Have you seen the outcome you were hoping for?

I have now been retired for over a year and am enjoying life.

What could they have done better?

Absolutely nothing

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

I needed pension advice.

How has Chris Mills helped you?

One to one meetings held in my own home during which he carefully explained all my options, he outlined his recommendations and the processes involved.

Have you seen the outcome you were hoping for?

Still in the process of setting up the new account.

What could they have done better?

Nothing. Excellent service.

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

We were moving house and we were looking for advise on remortgaging.

How has Chris Mills helped you?

Chris was excellent in providing advice on what to do with our current fixed rate which was due to expire soon, whilst also outlining our options for our new property, that we were purchasing. He managed to whole application process for us and it was seamless.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Chris couldn’t have done anything better.

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

I had several pensions which needed tidying up, I wanted to get a better u restating of what I had and create a financial plan for the future .

How has Chris Mills helped you?

The first thing Chris did, was to put me at ease and made me feel that I could trust Chris . He gave me advice on different schemes and what best was best to do with the schemes . Most of my numerous pensions we consolidated , and one of them Chris advised we leave where it was , as I could lose enhanced benefits if we consolidated it .

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

Nothing further . The biggest thing for me was Chris putting me at ease , as I said earlier . I felt that I could trust him .

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

Retirement

How has Chris Mills helped you?

Chris has been a huge help by helping us consolidate our Pension funds and transferring our funds to a better managed alternative

Have you seen the outcome you were hoping for?

Absolutely and entirely

What could they have done better?

Nothing in my view

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

To release 25 percent of my pension pot and invest the rest

How has Chris Mills helped you?

He helped me to do exactly what I wanted to do with my pension pot as well as chatting about football and things we have in common very friendly

Have you seen the outcome you were hoping for?

Too soon to know only just transferred my funds

What could they have done better?

Nothing

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

To help us navigate the complex world of mortgage lending.

How has Chris Mills helped you?

Chris took the stress out of shopping around for a mortgage, making us aware of all our options but presenting the best option for our circumstances.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Chris is always happy to help and nothing is too much of an ask.

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

My mortgage was coming to the end of its existing term and with interest rates where they are I was concerned what I would be paying.

How has Chris Mills helped you?

I initially had a look round at what rates I could access then I was recommended to Chris from a friend. To my surprise Chris was able to access a lower rate than what I found!

Have you seen the outcome you were hoping for?

Absolutely! One thing you want from the stressful process of mortgaging is to be kept informed. Chris managed our expectations very well and kept us informed.

What could they have done better?

Nothing to date!

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

Buying a house

How has Chris Mills helped you?

He helped to arrange the mortgage

Have you seen the outcome you were hoping for?

We did get a mortgage accepted

What could they have done better?

Nothing

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

Chris was recommended to me

How has Chris Mills helped you?

Patient and informative explaining options

Have you seen the outcome you were hoping for?

Yes

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

I had multiple pension pots and I was unsure on what steps to take next to protect my future investments.

How has Chris Mills helped you?

Chris has reviewed all of my pension pots and consolidated them to ensure I am protected in the future.

Have you seen the outcome you were hoping for?

Yes, everything is all in place.

What could they have done better?

Nothing!

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

I had never had an adviser before.Chris was recommended to me and has been very helpful ever since.

How has Chris Mills helped you?

He has helped me dig in to the world of pensions. And made me understand how they work.And what's in it for me.

Have you seen the outcome you were hoping for?

Yes massively I took my pension out went tp the much advertised and brain washing pension bee.I lost £8.000.Went back to Chris he has since got that back and more.

What could they have done better?

Nothing they have always had me at their main priority.

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

I needed a mortgage

How has Chris Mills helped you?

By helping me get the mortgage

Have you seen the outcome you were hoping for?

Absolutely

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

Mortgages

How has Chris Mills helped you?

Superb advice regarding new mortgages and remortgaging

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - excellent service

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

My partner was going through a difficult divorce, the marital home, existing mortgage and a very difficult Ex caused no end of issues which needed sensible, dispassionate, professional and sympathetic advice to steer us through the labyrinthine complexities to sort this out. Importantly Chris came to us via recommendation from a friend and neighbour.

How has Chris Mills helped you?

Firstly, Chris provided excellent advice and guidance during the divorce, along with estimates and mortgage quotes to submit to the courts, the quality and professionalism being noted by the judge. This advice was provided without expectation or sales pressure, making the decision to use Chris when we were in the position to buy again exceptionally easy. Having experienced Chris' way of conducting business we were immediately confident that he would act in our best interests. We were able to convey our wants, needs and desires, we felt listened too and Chris really endeavoured to fulfil our criteria. Chris has gone on to provide a mortgage and insurance products that have really met our needs.

Have you seen the outcome you were hoping for?

We have our mortgage and associated insurance products and we will be coming back to Chris for all our future financial needs.

What could they have done better?

Absolutely nothing, Chris has provided a top class service and product. He was recommended to us and we are more than happy to recommend him to anyone who needs honest and trustworthy financial advice.

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

I was in need of a mortgage

How has Chris Mills helped you?

He has helped me every step of the way throughout the mortgage process he has been on the end of the phone when I have had a question and also secured me the mortgage on our dream home

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Chris

We have found working with Chris for our workplace pensions both professional and thorough. Its been great for us to allow him to do all the legwork and provide a choice on providers that suit our requirements. I have personally used his services for both my husband's and mine private pension. He explains everything clearly and we have both been happy with the plans he has helped us make for the future. Would recommend him to anyone. You are in safe hands dealing with Chris Mills and Voyage Finance.

Please provide a brief comment about your experience with Chris

Chris has been brilliant, very thorough with his advice and really friendly. I feel he is very genuine and gives the best advice

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

House Purchase/ mortgage.

How has Chris Mills helped you?

This is the second time I have used Chris for a mortgage / house purchase. Chris is the only person who I would use any financial advice. The friendly and informative approach and happy to answer any questions along the way.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Chris is the most informative person out there, if he does not know the answer than no one will.

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

We required help with a mortgage.

How has Chris Mills helped you?

Chris found and arranged an excellent mortgage for a second home.

Have you seen the outcome you were hoping for?

Absolutely ?

What could they have done better?

Chris was great and always goes the extra mile.

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

My pensions were all over the place, I had no idea what I had, or what to do with them. I needed help!

How has Chris Mills helped you?

I had many pensions, built up through working for different companies, Chris went through all of these, and found others I did not know about, tidied everything up and made it simple to understand. He also gave great advice on my current work pension contributions, which has been invaluable, allowing me to maximise the tax benefits whilst growing my pension pot.

Have you seen the outcome you were hoping for?

Yes, and much more! Chris has become my go to for anytihng pension, investment, or money related.

What could they have done better?

Absolutely nothing, he has been amazing.

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

Wanted a small independent IFA to tidy up my wife’s pensions and also some life assurance cover on my life to provide cashflow outside of my should I die

How has Chris Mills helped you?

Listened well. Understood our requirements and worked with us to achieve what we needed.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

The stuck to our requirements and carried out the requests fully. They could not have come up with anything different.

Please provide a brief comment about your experience with Chris

good advice, even if could not help me directly

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

Obtaining a Mortgage.

How has Chris Mills helped you?

He helped us by obtaining our first mortgage and since remortgaging.

Have you seen the outcome you were hoping for?

Yes absolutely.

What could they have done better?

I don't believe anything could of been done better. Chris made the process of obtaining our first mortgage pain and hassle free. Always going the extra mile Chris is highly experienced/knowledgeable, and takes the time to explain everything on a level that makes sense. I would strongly recommend Chris to anyone seeking a financial advisor.