Reviewed for

Insurance and Protection ( 85 )

Mortgages ( 154 )

Equity Release ( 6 )

Retirement income (annuities, drawdown) ( 1 )

Long Term Care ( 2 )

Reviewers' assets

£500k+ ( 1 )

£200k - £500k ( 5 )

£100k - £200k ( 5 )

£50k - 100k ( 13 )

Up to £50k ( 58 )

Client reviews

This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Gloucestershire

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

Additional borrowing

How has James Coghlan helped you?

He set up my additional borrowing

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Bristol

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

To purchase a property

How has James Coghlan helped you?

James provided various services to help buy a property

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/a

James's reply

Great to work with you and I am pleased we were able to achieve your aims. Best wishes and thanks

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Bristol

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

Looking to purchase a house with a friend.

How has James Coghlan helped you?

James talked me through all of the steps of the buying process, and the various professional services that would need to be engaged. In the context of what felt like a slightly unusual arrangement of buying with a friend, James was knowledgeable and anticipated issues that I wanted to know about.

Have you seen the outcome you were hoping for?

Yes, James provided great reassurance to me as a first time buyer. He was relaxed, friendly and flexible.

What could they have done better?

Nothing

James's reply

Thankyou for the feedback, I am very grateful to have been able to support you on your journey, best wishes

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

I needed to raise a large amount (to me) of money urgently and James advised me of the different options, then found the most competitive mortgage company

How has James Coghlan helped you?

As above plus recommended a solicitor as my usual one was not able to do the work I required

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

James's reply

Thankyou for choosing Ellis James Financial to help you on your remortgage and I appreciate you taking the time to review us, all the best for the future. James

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Somerset

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

House purchase

How has James Coghlan helped you?

James helped us with our house purchase as well as home and life insurance. We knew very little about these and James guided us throughout the whole process.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

James's reply

Congratulations on the completion of your new home, I hope you are both very happy and thanks for choosing me to help you with everything. Regards. James

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Somerset

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

I was looking to buy my first house and I knew nothing about the process. I wanted an advisor who I could ask about all aspects the house buying process

How has James Coghlan helped you?

From the very first phone call we knew that he would be a great help to us! He is warm, friendly and patient, especially to 2 first time buyers. He explained all the various processes and recommendations to us, and was available to answer all our questions.

Have you seen the outcome you were hoping for?

Yes! James has been wonderful

What could they have done better?

Nothing!

James's reply

It was a pleasure to be able to help you with your first purchase and I am glad you were pleased will all we did for you. Best wishes and thanks for choosing us.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Bristol

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

Needed specialist in local area who can deal with buy to let mortgages.

How has James Coghlan helped you?

Organised everything, was in contact with my management agency, always kept in the loop what was happening and quickly found me a mortgage to match my requirements.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

James's reply

So grateful for your review, very much appreciated and thanks for choosing us to support you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

My partner and I were looking to buy our first home together. My partner had previously purchased a home but I had no experience or background knowledge of what buying a house entailed. From our first conversation with James we knew he was the right mortgage advisor for us. He provided us with all the information we could have possibly needed and was always on hand to answer any questions we had.

How has James Coghlan helped you?

Since first speaking with James he has been with us every step of the way, from advising us on the process of buying a house, obtaining a mortgage in principle, sourcing our actual mortgage and arranging insurance. James has been a key figure in the successful completion of our property, answering all our enquiries and liaising with our solicitors to push things along.

Have you seen the outcome you were hoping for?

We have been able to successfully obtain a mortgage and the necessary insurance.

What could they have done better?

Nothing!

James's reply

So grateful for your kind words and review. All the best in the new home, best wishes.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Bristol

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

We needed a mortgage for a flat we were buying.

How has James Coghlan helped you?

James found us a very good deal - twice! Because the process of buying the flat was slowed down by a number of factors our original deal expired. James initially secured us an extension and then found us a new deal which was as good as the previous one.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No. We were very happy with James's service. He was calm, efficient and very helpful.

James's reply

I really appreciate the great feedback. A bit of a journey but we got the right result in the end! Thanks for choosing Elis James Financial to work with you and best wishes.

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James has sent messages about the business services that his company offers that would be useful if I were to remortgage in the ongoing financial situation.

James's reply

Great to receive your feedback and glad you were pleased with what we were able to do for you. Thank you so much. James

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Bristol

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

Needed to re-mortgage BTL property

How has James Coghlan helped you?

Has always been available when we have needed advice and re-mortgages

Have you seen the outcome you were hoping for?

Yes, got new mortgages at best possible rate available at the time

What could they have done better?

Nothing - always very professional

James's reply

Always a pleasure to advise on matters relating to your portfolio and great working with you. Thanks for taking the time to leave me a review- I know you are busy!! Regards JC

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Mortgage renewal in a difficult financial market

How has James Coghlan helped you?

James searched the market and provided information in clear to understand format

Have you seen the outcome you were hoping for?

N/A

What could they have done better?

N/A

James's reply

Appreciate your kind feedback and thanks for choosing us to advise you again on your mortgage. James

Repeat review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Wiltshire

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James worked tirelessly to obtain a mortgage for us after we had a disastrous experience with our first broker, looking like we would lose are dream property, James worked his magic. He gave great advice, not only to help us obtain a great deal on our mortgage but insurance aswell. We can thank him enough and know he will be at hand to secure our next mortgage deal .

James's reply

It was great to be able to get this one placed after your bumpy start elsewhere. I am glad we were able to research and locate a lender with the right fit and make the deal happen. Best wishes. James

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

To take out a mortgage.

How has James Coghlan helped you?

James has found us a mortgage we were happy with as well as a remortgage.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don’t know to be honest I was happy with everything.

James's reply

Thankyou for your kind feedback and choosing Ellis James Financial to advise on your mortgage again. James

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Somerset

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

Me and my wife were looking at buying our first home. Then he again helped when remortgaging.

How has James Coghlan helped you?

He helped up search for the best mortgage providers around and got us a great price.

Have you seen the outcome you were hoping for?

James did great to get us the best outcome he could in the current market.

What could they have done better?

The mortgage rates could be cheaper in general.

James's reply

Thanks for the kind words and choosing us to advise again. Best wishes. James

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Bristol

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

Needed to remortgage and change ownership

How has James Coghlan helped you?

James has been very helpful throughout this very long and challenging period.

Have you seen the outcome you were hoping for?

Remortgage completed .

What could they have done better?

Everything was great .

James's reply

A great result in the end and thanks for choosing me to advise on these cases. All the best for the future!

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in London

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

We are first time buyers and so we sought the help of a mortgage adviser to help us through the process of gaining a mortgage for the first time.

How has James Coghlan helped you?

James helped us finding and applying mortgage providers and explaining the process in simple and clear terms throughout.

Have you seen the outcome you were hoping for?

Yes, we have secured a mortgage.

What could they have done better?

Nothing, James was extremely helpful and available to provide information/explain the process whenever we asked.

James's reply

Thankyou for your review and I wish you both all the best in your new home! James

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

My husband and I found our dream home, but the bank would not lend us the full amount we need.

How has James Coghlan helped you?

James found best mortgage provider to suit our budget. And also gave great advice on the importance of cover when taking out a mortgage and found us the most affordable one that would ensure we were protected for the duration of our mortgage in the event of illness or death.

Have you seen the outcome you were hoping for?

Yes. We are so pleased to be moving into our forever home soon.

What could they have done better?

James went above and beyond really. And always a phone call away if we or our agent had any questions regarding our purchase.

James's reply

A pleasure to have been able to have helped on your house move. I am very grateful for your feedback.

Repeat review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Bristol

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

A similar level of a very professional service

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with James

I highly recommend James as a mortgage advisor who excels in fast and quick communication. Their responsiveness is truly impressive, with prompt replies to all inquiries and concerns. Working with James ensures a smooth and efficient mortgage process.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Newport

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

My husband and I were looking for mortgage advice to selling our property and buying a new property, whilst also taking into consideration some adverse credit factors.

How has James Coghlan helped you?

James helped us to make a decision regarding our first property and helped us to obtain a mortgage to buy our new home.

Have you seen the outcome you were hoping for?

Yes, James was very helpful in guiding us through this complex ordeal - he found us a suitable lender for our adverse credit, and reassured us at each step, as well as coordinating with the lender throughout the conveyancing process.

What could they have done better?

We are very pleased with the service that we received from James and over the moon with the results. We received the keys for our new property this week and are grateful for all of James' support in helping us to achieve this. Thank You James :)

James's reply

I very much appreciate your kind words and I am glad that we got a great outcome for you and your family. Thanks for choosing Ellis James Financial. Best Wishes. James

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying my first property

How has James Coghlan helped you?

He was amazing, explained everything to me, took me through each step of getting a mortgage and all the insurance and protection I need for my new home

Have you seen the outcome you were hoping for?

Yes, I now have moved into my home fully covered thanks to James

What could they have done better?

Nothing in my opinion

James's reply

Thanks so much for the feedback, I am very grateful. It was a pleasure to advise you and I wish you every happiness in your first home. James

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

Looking to re-mortgage a buy-to-let property, and then at a later stage to buy our own home.

How has James Coghlan helped you?

Available to advise and guide. Often very patiently and promptly dealing with last minute or urgent requests from us.

Have you seen the outcome you were hoping for?

Yes, we were able to buy a family home.

James's reply

Huge congratulations on your new home and thanks for the kind words, good luck with everything. Regards James

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying a new house and keeping the old one.

How has James Coghlan helped you?

Considered advice for house mortgage and friendly attitude. James is very approachable

Have you seen the outcome you were hoping for?

Yes. We are now in the new house

James's reply

I am very grateful for the feedback and review. Thanks for choosing Ellis James Financial and best wishes in the new home. James

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Somerset

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

Remortgaging/ buying a new house

How has James Coghlan helped you?

Good advice, responsive and helpful through a long, changing and challenging process

Have you seen the outcome you were hoping for?

Yes

James's reply

Thanks for your very kind words and I appreciate the feedback. best wishes. James

First impression from a user who is not yet a client

July, 2023

Overall

Please provide a brief comment about your experience with James

I haven't met James in person but he's always there to answer questions he's patient and understanding and he listened lovely gentle man

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Bristol

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

I was unable to find a high-street lender that would offer me a mortgage, so I was referred to James to help me find a lender that would.

How has James Coghlan helped you?

James was able to find me a lender for my mortgage, and offer excellent advise throughout the process. James replied to my questions quickly and concisely.

Have you seen the outcome you were hoping for?

Yes, James was able to find me the best outcome for my situation.

James's reply

Thanks Henry, glad we could help out! Best wishes in your home. James

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Somerset

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

Buying first home.

How has James Coghlan helped you?

James guided us from the very beginning when we were wondering if we could buy a home , reassuring us that he could help us to find a mortgage despite some issues with past addresses - when another broker had advised us to spend a number of years building our credit before starting our search. James helped us to find a lender at a good rate and was incredibly quick and responsive and removed the stress from the mortgage process, working seamlessly with other stakeholders. This included turning around getting revised offers at the last minute. He also made himself available to speak outside of office hours, for which I was really grateful and also answered our many questions. Finally, he helped us to secure the best life and health insurance for us, which fit into the other protections that we have.

Have you seen the outcome you were hoping for?

Yes - we are days from completing the purchase of our first home!

James's reply

Thanks so much for your kind works. It was a pleasure to have been able to have helped and thanks for choosing Ellis James Financial. All the best for the future.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

Remortgage or equity release

How has James Coghlan helped you?

Quick turn around. Good recommendations.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Na

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Bristol

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

Buying and selling a residential property

How has James Coghlan helped you?

James has helped me in finding and advising on mortgages and policies for the properties, both sold and purchased. James has also been a fantastic middle-man; in liaising with parties involved in the whole process and ensuring where we can expedite the process, it's done.

Have you seen the outcome you were hoping for?

Absolutely. James has been fantastic, from end-to-end.

What could they have done better?

Nothing.

James's reply

Great to have been able to work with you on this one, a real pleasure and thanks for trusting us with your matter.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying a house

How has James Coghlan helped you?

Helped me find the best suitable mortgage lender for my house

Have you seen the outcome you were hoping for?

Yes, definitely!

What could they have done better?

Nothing.

James's reply

Thanks David, I appreciate your review- hope you enjoy your superb new home! Best wishes. James

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Bristol

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

Remortgaging to a buy to let

How has James Coghlan helped you?

Listened to my needs, researched options, prepared application, assisted with questions

Have you seen the outcome you were hoping for?

Yes - a great deal with a new lender

James's reply

Thankyou so much for your review, I am very grateful, it was a pleasure to advise you. Regards James

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Bristol

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

Mortgage

How has James Coghlan helped you?

James provided clear advice on how to progress with our first house purchase.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Property purchase

How has James Coghlan helped you?

James helped me find the best mortgage product on the market for my situation

Have you seen the outcome you were hoping for?

Yes

James's reply

Congratulations on the purchase of your new home and I hope you and the family are very happy there. Thanks for choosing Ellis James Financial to advise you.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cardiff

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

Purchasing a flat- looking for support with mortgages

How has James Coghlan helped you?

James was extremely helpful in my search and made all the processes as simple and transparent as possible. I really felt like he was on 'my side' through the whole process and genuinely trying to support me to get the best mortgage for me.

Have you seen the outcome you were hoping for?

Yes, James even managed to get a cheaper product just before I exchanged (due to changes in the market) which has saved me a good amount of money each month. I had not expected him to continue to check if the product that we had originally found remained the best available, so I really felt that he went above and beyond.

What could they have done better?

Nothing!

James's reply

Thanks for your kind review, I am glad you were pleased with all I was able to do for you. Best wishes in your new home

Repeat review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Bristol

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James Coghlan has always demonstrated a proactive disposition to continue looking after our case. Given that purchasing a property is complicated itself, having professional people such as him along the process it's indispensable. Thank you very much for representing us as our mortgage advisor!

James's reply

It was great to be able to help and thanks for choosing me. All the best James

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Bristol

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

I met James first when I needed some life insurance & he was very helpful..didn't push me into anything. very efficient & understanding as I'm not the brightest spark in this area. he made it very simple & straightforward. I couldn't have been more pleased.

How has James Coghlan helped you?

james then helped us with a second morgage last year. it wasn't straightforward as my partner & i are both self employed. he couldn't have done anymore for us...super efficient & explained everything as and when we needed help.

Have you seen the outcome you were hoping for?

absolutely fixed into very good mortgage deal & I would happily recommend his services to anyone.

What could they have done better?

nothing more could have been done. extremely happy with the results.

James's reply

Great to have been able to help you on this one and thanks for your kind words.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

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

My wife and I were looking to re-mortgage and raise some extra capital, with the recent interest rate increases and we wanted to get some professional advice before committing to a new mortgage.

How has James Coghlan helped you?

James has helped us find and move to a new mortgage lender and also help with life insurance cover.

Have you seen the outcome you were hoping for?

Yes, most definitely have seen the outcome we were hoping for.

What could they have done better?

Absolutely nothing, everything went very smoothly.

James's reply

Thankyou so much for the feedback, it was a pleasure to advise you. Regards James

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bristol

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James has ensured we know he is available if we need any help with anything .

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

Looking to remortgage away from a high interest lender (ex northern rock)

How has James Coghlan helped you?

James was able to help us obtain a remortgage and review our outgoings meant able to save us a huge amount

Have you seen the outcome you were hoping for?

Yes and more so

What could they have done better?

Nothing - James already went above and beyond

James's reply

It was a pleasure to help you, thanks for choosing us to advise on this matter. Thanks James

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Wiltshire

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

We purchased our first property, so that's why we needed James help.

How has James Coghlan helped you?

We let him know out all the informations about the property and what we need for the purchase, and he sorted out everything for us. We just had to check, make sure everithing is good for us and sign some papers.

Have you seen the outcome you were hoping for?

Yes!!!! James did all the search about everything for us. Mortgage with the best interest rate. House insurance and also life insurance for my wife and me.

James's reply

Thankyou for your kind review, it is very much appreciated. I am glad we were able to help and set you up in your super new home. JC

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

Increased interest rates

How has James Coghlan helped you?

James helped in finding a good mortgage rate , and was very helpful throughout the process.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Cheaper

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Our previous mortgage advisor did not look at our life cover for our mortgage when we remortgaged and changed the amount and term of the mortgage, which meant we would not have full cover.

How has James Coghlan helped you?

James looked at our options, and searched for the best policy for us, with the knowledge that I have a medical condition which potentially affects life policies. He had a wealth of knowledge of which companies would be best for us, and approached them for quotes. Also due to mine and my husbands working hours, James completely fitted in around us with telephone appointments out of hours and allowing us to email responses when unavailable for calls.

Have you seen the outcome you were hoping for?

We have taken a policy out, only slightly more expensive, but covers us for the full term, with an additional sum too for expenses should one of us pass away. We were extremely happy with this policy, especially as no additional medicals are needed for myself.

What could they have done better?

Nothing

James's reply

Thaks for choosing us to advise, a pleasure to have been able to protect your family and home. I appreciate the kind words. James

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

James helped us with our search and application for a mortgage

How has James Coghlan helped you?

He was able to find us a good lender who was open to take into our application by husbands self employed salary alongside mine.

Have you seen the outcome you were hoping for?

Yes- he got us a good rate

What could they have done better?

I wish the service charge was lower considering that they are also going to be paid a commission from the mortgage lender.

James's reply

Thanks so much for the review, a quite complex case that we managed to get a common sense approach from the lender to make this one work for you both- so glad I could help. All the best for the future and I look forward to helping you again

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Looking to purchase my first home and needed advice on finding a mortgage.

How has James Coghlan helped you?

James made the process of getting a mortgage very simple and was always there to offer a hand. There was no feeling of being pushy and he even helped again after my initial purchase fell through.

Have you seen the outcome you were hoping for?

Yes.

James's reply

Really appreciate your feedback- we got a brilliant result in the end! Glad to have been with you both on the journey and all the best in your new home. James

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Cardiff

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

The financial market is vast and needs quite a bit of time invested to research the best options. Time is a luxury my wife and I don’t have due to our busy lives. We needed a professional broker to help us find a good deal.

How has James Coghlan helped you?

James is very professional, friendly, an expert in his field, an quite importantly very prompt in responding and advicing.

Have you seen the outcome you were hoping for?

Yes, very pleased with the products that James recommended.

What could they have done better?

I can’t think of any improvements that I could honeslty suggest. I was very satisfied with the service James provides

James's reply

Great to have helped with the mortgage for your super new home! I am sure you will be very happy there- thank you so much for the review and best wishes for the future

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

When I was a first time buyer

How has James Coghlan helped you?

All through my mortgage and fixing new rates

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Herefordshire

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

James is very knowledgable and supportive - I am a repeat customer and would highly recommend James.

How has James Coghlan helped you?

With support & knowledge sharing. James has a lot of experience that helps .

Have you seen the outcome you were hoping for?

James had delivered a mortgage offer for me twice !

What could they have done better?

Nothing more could I ask.

James's reply

Thanks so much for choosing us again, it was a pleasure to have been able to advise you and thank you for your review. James

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Bristol

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

My fixed term was up and I needed to remortgage

How has James Coghlan helped you?

James set up a call to go through my circumstances for remortgage which included having the option to let the property as I am working away. Having worked with James before it was a no brainer to get his advice again.

Have you seen the outcome you were hoping for?

James sorted out a great deal really quickly and despite some ‘free solicitors’ provided by TSB (Integrar) the process with James was easy and clear. Next time I think we agreed we’d take a small hit and use someone James recommends!

What could they have done better?

Nothing really, I feel lucky to have got in on a good rate before the markets changed and most of that is thanks to James being prompt with his advice and working hard to get deals when the markets look uncertain.

James's reply

Really kind words and very much appreciated. Good luck on the new endeavor up in the big city! Hope to help you again soon- All the best JC

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

Mortgage on a first property.

How has James Coghlan helped you?

After a bad experience with with a different advisor, we contacted James for help and advice. James's advised us on the best route to take for are circumstances. Subsequently James successfully secured us an offer and we have now completed.

Have you seen the outcome you were hoping for?

Yes. James gave great advice that helped are circumstances and secured us a mortgage.

What could they have done better?

We were happy all James did for us.

James's reply

Thank you for the review, I am glad we were able to make this one happen for you both. Best wishes for the future. James

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Needed help with our buy to let portfolio

How has James Coghlan helped you?

Arranged a buy to let mortgage on a property that wasn't an easy property to re-finance.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing, really good deal and sound advice.

James's reply

Very much appreciate your review. Thanks for choosing Ellis James Financial and I look forward to helping you soon

Repeat review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Bristol

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James has provided the same level of attentive and professional service

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

Remortgaging- our current fixed rate was coming to an end.

How has James Coghlan helped you?

James found a great deal that suited us. He was very professional from start to finish, and kept us updated through the whole process. Fantastic service!

Have you seen the outcome you were hoping for?

Yes, and will definitely use James in the future.

What could they have done better?

Nothing.

James's reply

Thanks Amy & Ben. Always a pleasure to help and thanks for taking the time to provide a review, much appreciated. James

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying a house. First time buyers.

How has James Coghlan helped you?

He has been very helpful and easy to talk to since the beginning. He has advised us about mortgages, house insurance and life insurance. Always listening to us and considering our demands and what is best for us. He has been very easy to reach anytime we had a question or an issue and has always come through for us. Very knowledgeable and professional.

Have you seen the outcome you were hoping for?

100% yes

What could they have done better?

N/A

James's reply

It has been a pleasure to advise on the mortgage and protection for your new home. Thanks for the feedback and best wishes

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Somerset

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

Needed to obtain a mortgage as a first-time buyer.

How has James Coghlan helped you?

Walked me through the whole process, giving me plenty of advice along the way.

Have you seen the outcome you were hoping for?

I bought a house, so yes!

What could they have done better?

Nothing at all.

James's reply

Thanks for your review, very kind and I am glad we could support you on the journey. Best wishes with the project and enjoy the new home. JC

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

We were moving house and needed to take out a new mortgage

How has James Coghlan helped you?

James has been fantastic from start to finish. He found us a great mortgage, as well as life insurance and critical illness cover. He was always on hand to answer any questions we had and we really felt looked after throughout the whole process. I wouldn’t hesitate to recommend James to anyone in need of financial advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing!

James's reply

Thanks for choosing us to help with the move. Delighted you are so pleased and best wishes in the new home. James

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

Moving House

How has James Coghlan helped you?

James made the mortgage application process so easy and we cannot thank him enough. Our house move went on for 9 months and had many issues along the way but James was always professional, helpful and a joy to work with to get any issues resolved. I cannot thank him enough for his efforts and recommend his services massively!

Have you seen the outcome you were hoping for?

Yes, moved house and all mortgage elements were seamless!

What could they have done better?

Nothing, genuinely. James knocked it out of the park.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Worcestershire

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

James cane highly recommended and I am so pleased he did James was amazing all the way through the Mortgage process.

How has James Coghlan helped you?

James help through the application process of my mortgage right through to the end. The great thing was he was only a phone call away and was able to answer questions I have on life policies and mortgage protection .I could rate James any higher he was wonderful.

Have you seen the outcome you were hoping for?

Absolutely James was a constant throughout the mortgage application from start to finish

What could they have done better?

He really could not have done any better.

James's reply

I appreciate your feedback and am delighted we were able to help secure and protect your dream home. Best wishes, James

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Buying a house

How has James Coghlan helped you?

Excellent advice on mortgages.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

James's reply

Thanks so much for taking time to provide me a review, I am very grateful. Regards James

Review from verified client

May, 2022

Overall

Value

Service

Advice

Based in Wiltshire

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

Recommended by estate agent

How has James Coghlan helped you?

Supported me through the mortgage process from choice of mortgage product to completion

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

James's reply

Great to be able to help you again and I’m very grateful for the feedback. Thanks James

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Surrey

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

We moved to the UK in June 2021 and needed advise looking for a mortgage as a first time buyer in the UK.

How has James Coghlan helped you?

James searched far and wide for a mortgage for me with very little credit history in the country, gave sound advice and worked with me through the process of securing my first mortgage.

Have you seen the outcome you were hoping for?

Yes. Happy with the outcome.

James's reply

Thst so much for your review. I was great to have helped you on this one and put you in your new UK home. Best wishes for the future to you and the family

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Monmouthshire

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

My partner and I were already part way through our journey buying our first home together, and had struggled with our first mortgage offer and were worried about what to do.

How has James Coghlan helped you?

James redirected us and got us our perfect mortgage offer and helped us add the best possible insurances. We also panicked after receiving a rather harsh Homebuyers Survey that caused us a great deal of stress. Despite being outside of his main expertise he used his own experiences and knowledge to help explain queries we had about it!

Have you seen the outcome you were hoping for?

We've just recently moved into our new home and have had a great first few days adding our own touches to the house!

What could they have done better?

James went out of his way to help us throughout the journey and we could not be more thankful. We wouldn't change the experience we had with him at all!

James's reply

A pleasure to have been able to step in and make this all happen. Best wishes in your new home and good luck for the future. JC

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Our current lender at the time would not lend us the amount we needed so we decided to try a different approach.

How has James Coghlan helped you?

James was able to go through a list of lenders and got us the mortgage offer we needed to move up the property ladder.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No the service and advice was spot on.

James's reply

Glad we could secure such a great family home for all of you, thanks for letting me help. James

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Wiltshire

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

My husband and I need to get a mortgage within a really short term as we really wanted to get a house that perfectly suits us.

How has James Coghlan helped you?

He always clearly explained everything with his professional knowledge and his nice patience. If we had any questions, he always responded to us efficiently.

Have you seen the outcome you were hoping for?

Yes!

James's reply

It was great to help and I am so glad we could work together to secure such a nice first home for you both. Best wishes and thanks for your review. JC

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Somerset

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

We were looking for a property at the top end of our budget after moving to the area starting a new career. We had just cleared our debts from the sale of our old property and our credit rating was not as good as it could have been.

How has James Coghlan helped you?

James, after a few hiccups along the way, our house sale fell through and we lost the house we wanted to buy, managed to get us a good rate on our new mortgage.

Have you seen the outcome you were hoping for?

In the end we are in a better home than we could of hoped for. Even better than the one that fell through. Now 6 months on and we couldn't be happier.

What could they have done better?

James was great and very patient.

James's reply

I really appreciate your review, thanks so much I am glad you were pleased with everything, it all worked out even better than when we started! James

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Bristol

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

First time buyer

How has James Coghlan helped you?

James took me through this process and was very helpful over close to a two year period

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much, but would like to discuss other products in future

James's reply

Thanks so much for the feedback- very grateful! Hope all is well with you and the family. Regards JC

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

Remortgaging. Our fixed rate deal was set to end in July, interest rates are rising. We wanted to secure a new remortgage deal as quickly as possible.

How has James Coghlan helped you?

Listened to what we wanted, found us the best deals. Our application was accepted by the provider within 48 hours of our initial meeting with James. Meeting with James.

Have you seen the outcome you were hoping for?

Yes - we got exactly what we were looking for.

What could they have done better?

Nothing - service was professional and second to none. Efficient .

James's reply

Thankyou for the kind words David, so pleased you were happy and that we could help you out on this one. All the best, James

Repeat review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

Kept in touch to make sure that my financial transactions were successfully concluded.

James's reply

H Stephen, thanks so much for your 5 start review. Kind regards. James

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

In order to find the best mortgage deal to buy our dream home

How has James Coghlan helped you?

Well what can we say! We made an offer on our home in April 2021 and finally managed to get the key in February 2022. What a rollercoaster journey with 3 onward chain with a very challenging fragility with the chain collapsed once, my wife lost the job in between and i changed my job which resulted in reviewing and reapplying mortgage 3 times, imagine I had a bad credit scoring on top of the challenges we had and James was absolutely brilliant in keeping our lender door opened and took extra miles until the day we wrapped up the deal. James was always available to talk to us doesn’t matter late evenings, weekends or even when he is spending family time at Cinemas. So understand how stressful 11 months it was to get us across the line and a big applause to the patience, professionalism and support the entire team at Ellis James Financial Ltd showed us especially James Coghlan our mortgage advisor in holding our hands tightly to get the key to our dream home. Without you James this would have never happened! YOU DID IT FOR US James Coghlan thanks a million!, we will remember you for our life and all the very best in whatever you do! We will definitely pop in to the office shortly with my family to say thank you in person! Wises from Mahesh, Vai & Krish

Have you seen the outcome you were hoping for?

of course from Bristol to the moon!

What could they have done better?

Couldn't have done any more! Brilliant!

Repeat review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Wiltshire

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James helped me with a remortgage and is currently helping me with buying a new property. As always James provides a fantastic service. Clearly setting out options and advice and is always quick to respond to queries and explain anything. Really can’t rate him highly enough.

James's reply

Always great to help you with your mortgage related needs. Thanks so much for the review. James

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Bristol

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

House purchase

How has James Coghlan helped you?

James was fantastic at guiding us through the process for purchasing our first home.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing!

James's reply

Very grateful your review and thanks for letting me help you with your first purchase. Best wishes in your new home.

Repeat review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Wiltshire

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James is always on the ball and does what he says he will. We chose to go with James after a recommendation and we have nothing but positive things to say

James's reply

I really appreciate the feedback and glad you chose me to help you again with your mortgage. All the best- JC

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

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

I was having trouble getting a mortgage with 90% LTV and James was able to find and offer a lot of options.

How has James Coghlan helped you?

He took over all the arranging of it so that it became a very easy process. He was very easy to contact, knowledgeable, and he gave me great advice on other services I would need, such as home insurance.

Have you seen the outcome you were hoping for?

Everything was arranged fast and to my specification. He explained every step right to the end.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

New home

How has James Coghlan helped you?

Life insurance and remortgaging

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Reviewing and remortgaging current mortgage

How has James Coghlan helped you?

James has helped us to sort out our current mortgage situation.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

N/A

James's reply

Thankyou so much for your feedback, it was a pleasure to have helped you with this case. Wishing you and the family all the best.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Bristol

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

Problems finding a mortgage

How has James Coghlan helped you?

He found what was suitable for us considering my residential status

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, great service

Repeat review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Somerset

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James has helped us remortgage. He had called me back almost as soon as I had emailed asking to discuss our remortgage options. James provides a fantastic and highly efficient service. We would very much recommend him and his company.

James's reply

Great to help you a second time and thanks for allowing me to advise on your remortgage. See you again in two year time! JC

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Worcestershire

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

Specialist mortgage advice for self employed seniors

How has James Coghlan helped you?

Great, fast solution for our mortgage needs.

Have you seen the outcome you were hoping for?

Yes, completed our mortgage last Friday.

What could they have done better?

nothing!

James's reply

Thanks for the 5* review! A great outcome on this case, best wishes- James

First impression from a user who is not yet a client

November, 2021

Overall

Please provide a brief comment about your experience with James

James was excellent to deal with, friendly and informative, providing sound advice and he acted swiftly to switch our mortgage the day before the rates went up, saving us money. I would highly recommend him to anyone.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Looking to buy a house

How has James Coghlan helped you?

James was incredible from start to finish. He helped us through the whole buying process as well as obtaining the mortgage

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing

James's reply

Great working with you both on your first home- so glad you were pleased with everything. Best wishes to you both. JC

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

First time buyers in need of solid independent mortgage advice.

How has James Coghlan helped you?

James was approachable and clearly very knowledgeable. He was always in touch and delivered on his promises.

Have you seen the outcome you were hoping for?

James helped with securing first mortgage and also assisted with negotiations at the end of the term.

What could they have done better?

Cannot fault James's professionalism.

James's reply

Thanks so much for your review- very much appreciated. Kind regards

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

My previous advisor left me in the middle of an application process. I needed another to assist.

How has James Coghlan helped you?

He took over the application process and worked very hard to turn around a time sensitive process with time to spare. He kept me up to date throughout the entire process and his company's online customer system was really easy to use.

Have you seen the outcome you were hoping for?

Simply put, yes.

What could they have done better?

Not applicable

James's reply

Glad we got the result needed and were able to step in and make it all happen! Thanks for the feedback. Best wishes- James

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Caerphilly

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

We decided to move home and required mortgage advice.

How has James Coghlan helped you?

James was extremely helpful. We had debts we wanted to pay off with the equity in our home, and James was honest with us the entire process. After an initial decline from our current mortgage provider, James was able to secure us a mortgage with another provider, with an excellent rate. Without James we are sure we wouldn’t have been able to move or pay off our debts.

Have you seen the outcome you were hoping for?

Yes. We have purchased our new home and paid off our debts. We also took out life insurances through James.

James's reply

Glad it all went through smoothly, thanks for choosing me to help you, it was a pleasure- All the best. James

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Somerset

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

We were buying our first house

How has James Coghlan helped you?

James was great at reassuring us through the whole process. As first-time buyers, we weren't very knowledgeable but he made us both feel very at ease and we trusted him at every step! James did so much research helping us get the best mortgage possible based on our circumstances - he was always really patient with us and really lovely to work with.

Have you seen the outcome you were hoping for?

Yes! We are delighted with the mortgage we got

What could they have done better?

nothing

James's reply

Thankyou for your feedback, it was a pleasure to help you and I am glad you were pleased with my advice (and your new home!!) JC

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Bristol

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James is always available to offer assistance on a variety of financial areas. He was the best part of the process of buying my first home. Where a lot of the parties had me stressed James was calm and dealt with everything well ahead of time.

James's reply

Thanks Owen for your feedback, much appreciated. JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

We were looking for mortgage advice and James came highly recommended by two of our friends.

How has James Coghlan helped you?

James took time time out of his weekend to find us a mortgage deal at very short notice as we needed to be able to make an offer on a property by the Monday. He guided us every step of the way, from securing the mortgage and making sure that we had all of our paperwork in order, to finding us a reputable solicitor and setting up our life insurance and income protection. All of this with a sense of humour and lots of patience!

Have you seen the outcome you were hoping for?

James' hard work, organisation and extensive knowledge meant that we were able to put an offer in on time and it was accepted the following day. Without James, we would never had been able to buy the home we wanted. He was able to secure a better mortgage deal than we were expecting and helped to ease the stress involved in the entire process.

What could they have done better?

Honestly, it's hard to think of anything that could have been done better. We felt supported and guided throughout the whole process. We have gone on to recommend James to even more of our friends, one of whom is just moving into her first home as a result.

James's reply

What kind words, thankyou so much. Tailoring my service to fit around my clients needs it what I strive to do and it looks like we really hit the spot here! I wish you every happiness in your super new home. All the best. JC

Repeat review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cardiff

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

Arranged a mortgage and I have bought my own home

James's reply

Hope all is well and thanks for the 5 Stars! Regards. James

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cardiff

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

To find a mortgage.

How has James Coghlan helped you?

James is very responsible, supportive and he answers always promptly. I had no stress or fears through the process, he was reminding me and set up everything for me. Excellent experience collaborating with James.

Have you seen the outcome you were hoping for?

Yes, to the best.

What could they have done better?

I think everything was to the highest quality.

James's reply

Such a pleasure to have been able to a step in and get this offer out swiftly for you. Thanks for your kind review, I really appreciate it. Best wishes- JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cardiff

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

We wanted to save time potentially having to apply to several mortgage lenders so we thought going through a broker would be of great benefit

How has James Coghlan helped you?

James was very helpful from the beginning, explaining the whole process in detail and securing us a DIP and soon afterwards, a mortgage, in a timely manner. He was always at the end of the phone for any queries we had and he would provide regular updates.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

There is nothing that James could have done better for us, he was brilliant

James's reply

It was so great to help you both with your first purchase. Thanks so much for choosing me and I wish you every happiness in your super new home! JC

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Support for finding a mortgage as a first time buyer.

How has James Coghlan helped you?

James explained the process of buying my first home clearly and helped with advice and guidance throughout.

Have you seen the outcome you were hoping for?

Yes, and came back to James to Remortgage when fixed term ended.

What could they have done better?

Nothing at all.

James's reply

I really appreciate the feedback and it was great to help you a second time- See you soon! James

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

It was the first time for me to buy a house, and I needed a professional who knows what to do with the reasons behind.

How has James Coghlan helped you?

He explained all the things very clearly and quickly. It was important for me to understand what is going on, so having that kind of quick response was very helpful.

Have you seen the outcome you were hoping for?

Yes, indeed.

What could they have done better?

Cannot find any fault, at least he gave me all the information and reminded me all I need to do.

James's reply

I really appreciate the feedback and it was a pleasure to have been able to help you on the home-buying journey.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

We were looking to buy our first home with slightly difficult job circumstances so an adviser was needed to navigate the market for us

How has James Coghlan helped you?

James was fantastic in both his manner and his advice! He understood our slightly challenging situation and went away and did great research to present us with mortgage options that were easy to understand and would work for us. He sorted out life insurance/income protection, completing all the forms and chasing replies, making the process very easy for us. Additionally, he pointed us towards someone to sort building insurance

Have you seen the outcome you were hoping for?

Definitely, went from unsure if we could buy to moving into our first home! His service is a one-stop shop for helpful and reassuring financial advice

What could they have done better?

Nothing!

James's reply

A pleasure to have made the home ownership dream a reality. Thanks for chosing us, best wishes for the future. JC

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Moving house needed new mortgage

How has James Coghlan helped you?

Found me a new mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They were brilliant

James's reply

Thanks so much for the feedback, much appreciated. JC

Repeat review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Bristol

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James has always provided me with excellent advice. This has predominately been mortgage advice He carefully asks exactly what I want and then completes his research. He then discusses the results but is never pushy which I would hate. He quite happy to start the research process again if necessary. He then completes all the required paperwork Most importantly he contacts me again several months before the mortgage deal is about to finish to review all future options

James's reply

Cheers Mark, always a pleasure to help you with the mortgages, Hope to see you soon. James

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Bristol

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

We sought a financial advisor as we were looking for a mortgage to purchase a house.

How has James Coghlan helped you?

James helped us to search for an appropriate mortgage, advised us on which one would be best for our situation, helped us to put life insurance in place and put us in contact with someone who could support us to find the best home insurance.

Have you seen the outcome you were hoping for?

Yes, we have a mortgage and all the insurance we need in place to complete the purchase on our house. James was extremely helpful, approachable, and knowledge. He helped us to feel confident as first time buyers going through the process. Couldn't have asked for anything more.

James's reply

I has been a pleasure to have helped you on this journey and I wish you all the happiness in your new home.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Staffordshire

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

moving home

How has James Coghlan helped you?

organised the relevant mortgages

Have you seen the outcome you were hoping for?

yes

James's reply

Thanks for your review and thanks for choosing Ellis James Financial to help you with your mortgages. Best wishes in the new home.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

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

Applying for a mortgage.

How has James Coghlan helped you?

James provided me with cost effective mortgage advice suited to my particular needs. He consistently responsed to me promptly and precisely.

Have you seen the outcome you were hoping for?

Yes.

James's reply

Thanks Gavyn. Appreciate your feedback and thanks for choosing us. Enjoy your new home.

Repeat review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Wiltshire

This review is a follow-up review from a client who left a review previously.

How has James Coghlan helped you since your last review?

James had been a breath of fresh air to work with. His knowledge and work ethic to make sure that we get the right deal and save us money has been second to none. We have been recommending him to friends and family and i have also been recommending him to my clients on a professional manner. James doesn't just complete your mortgage for you, he helps you understand and guides you through the process, which for many first time buyers and movers can add a-lot of reassurance.

James's reply

Thankyou Tom. Very grateful for your kind words and feedback. Best wishes.

Review from verified client

July, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying first house

How has James Coghlan helped you?

Originally spoke 2 years prior showing what we could afford then, came back once we were actually ready to proceed with a mortgage. Put us in contact with all the relevant people to make it as smooth as possible. Was always happy to answer any questions we had and if he didn't know the answer he would find out and get back to us quickly with it.

Have you seen the outcome you were hoping for?

Yes, House purchase went through with no issues, all insurances and policies active and ready for the day of completion

What could they have done better?

Don't think there was anything to improve upon, both myself and partner were very happy with his service!

James's reply

All the best guys, thanks so much for the review. Enjoy your super new home and hope to speak soon. James

Review from verified client

June, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Gloucestershire

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

We had a fairly complex mortgage situation to manage, buying and selling properties at different times so wanted a flexible mortgage that avoided early repayment charges.

How has James Coghlan helped you?

James provided us with a selection of mortgages and gave us helpful advice on the key differences between each of them.

Have you seen the outcome you were hoping for?

Yes, we now have a mortgage in place without early repayment fees so will soon be in a position to reduce the mortgage fees.

What could they have done better?

Nothing really, James was always very responsive, worked quickly and called at times convenient to us outside of office hours.

James's reply

I really appreciate the feedback, best wishes with the house move and I will speak to you soon! James

Review from verified client

June, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Gloucestershire

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

Remortgage and change of equity

How has James Coghlan helped you?

James and Ben helped me find a mortgage that suited me and continued to be amazing throughout the whole process. Always available whenever I needed them and generally just really friendly, nice people. Cannot recommend them enough!

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

Nothing. They were both brilliant

James's reply

Thanks so much Aimee, I appreciate your feedback and thanks for choosing us!!

Review from verified client

June, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Wiltshire

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

We have been customers since purchasing our first home

How has James Coghlan helped you?

James made a mortgage product recommendation based on the best rates at the time, as well as explained what our options were for increasing the rate at which we pay back our mortgage

Have you seen the outcome you were hoping for?

Yes

James's reply

Thanks for letting me help with the mortgage again. Glad all is well and look forward to helping you again in 2 years time. Take care. JC

Review from verified client

May, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Bristol

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

Looking for mortgage and life insurance advice

How has James Coghlan helped you?

James provided a range of options, quickly and without fuss. His advice was clear and impartial and given without any sense of pressure or impatience.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Perfectly happy with the service provided.

James's reply

Thanks so much, it was a pleasure to have been able to help. All the best wishes in your new home.

Review from verified client

March, 2021

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Worcestershire

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

We needed to obtain a mortgage and believed that a financial advisor would be of great help

How has James Coghlan helped you?

To secure a very favourable mortgage

Have you seen the outcome you were hoping for?

Yes the outcome was better than expected

What could they have done better?

Nothing , they surpassed all expectations

James's reply

Thanks so much for the review- I am glad we were able to help you on your journey. All the best. James

Review from verified client

March, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Change of personal circumstances and existing mortgage term ending that meant I needed to remortgage

How has James Coghlan helped you?

James found me a brilliant mortgage solution that met all my requirements. Fantastic comprehensive advice, went through options and what they meant. Really efficient, easy and quick, excellent service and communication.

Have you seen the outcome you were hoping for?

Yes, the solution has given me security and confidence going forward

What could they have done better?

Nothing, I can not rate James and his company more highly

James's reply

Thanks most sincerely for your feedback, it has been a pleasure to help you again with your mortgage needs. James

First impression from a user who is not yet a client

March, 2021

Overall

Please provide a brief comment about your experience with James

He was a really good and committed advisor, In several occasions when I called him he answered his phone and dealt with my case and gave me the best possible advise and I was very happy with the service he provided in a friendly and professional way, really good advisor who really care about his clients, approachable and likeable personality, well done ?

James's reply

Thanks Ahmad for your feedback, hope all goes well with the buy to let property. I look forward to helping you again in the future.

Review from verified client

March, 2021

Overall

Value

Service

Advice

Based in Gloucestershire

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

To buy a mortgage product in order to purchase another rental property.

How has James Coghlan helped you?

James found two great mortgage products. The first didn't quite meet my needs but the second one was perfect and located very quickly, too!

Have you seen the outcome you were hoping for?

Yes, the amount that I was looking for was made available by the lender on good terms.

What could they have done better?

Nothing - I received a good service and was kept informed of my application progress throughout.

James's reply

Thanks for taking the time to review my service, really grateful and I look forward to helping you again soon.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Moving home, I needed a new mortgage

How has James Coghlan helped you?

James found me a new mortgage lender

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No, James was effient and found me an amazing deal

James's reply

Great to be able to work with you and make those dreams a reality. Thanks for your lovley words, so grateful.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Vale of Glamorgan

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

We were looking for our first mortgage

How has James Coghlan helped you?

James helped us through every step, from finding the correct product for us to completion and beyond.

Have you seen the outcome you were hoping for?

We have seen the outcome we were looking for and so much more.

What could they have done better?

There isn’t a single thing that these guys could have done better!

James's reply

A pleasure to have helped you on the journey- sincerest congratulations and all the best for the future.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bristol

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

Buying a property

How has James Coghlan helped you?

He helped me secure a mortgage and sort out my income protection

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They couldn’t. They have been fantastic.

James's reply

Rachel, great to have the opportunity to help you with your first home. I hope you are very happy there. All the best for the future, speak soon. JC

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bristol

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

Mortgage rate renewal

How has James Coghlan helped you?

Arranged mortgage transfer with my provider

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing. Professional and helpful from beginning to end.

James's reply

Thanks Jack and Hannah, glad we could help out and get it all done quickly and smoothly for you. I am grateful for your feedback. JC

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Wiltshire

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

Moving house

How has James Coghlan helped you?

James help me to find the right mortgage for me - my circumstances of being out of the country for some years prior to applying made this a tricky task. He advised all about the product and made sure that I understood everything - which was critical when making such a big decision. We were in regular contact and James made me feel welcome and at ease asking any questions (no matter how obvious!) And as a bonus, due to James' experience with the housing market, he was able to give me invaluable advise on negotiating and purchasing my property - without which I would not have saved a fairly significant amount of money on the property I was buying. James also helped me find life insurance for me with the right cost benefit ratio for me to comfortably sign up for. I could not recommend James enough to anyone looking for a mortgage his experience and enthusiasm will be a benefit to anyone.

Have you seen the outcome you were hoping for?

Yes, I have a mortgage and my own house!

What could they have done better?

cant think of anything

James's reply

Really kind words, I am so glad we could help you secure the home you wanted. The very best wishes to you and the family for the future. James

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bristol

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

I was looking for a remortgage

How has James Coghlan helped you?

James provided excellent clear advice, & was genuinely a nice guy to talk to with any questions we had

Have you seen the outcome you were hoping for?

James got us the mortgage we were looking for, & within a few days it was all signed sealed and delivered, excellent service.

What could they have done better?

In are case there was nothing more he could have done, we were very pleased with the outcome

James's reply

Great result on this case and great to work with you on it. Thanks for taking the time to provide a review. JC

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Bristol

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

James was recommended to us to help us purchase our first home. We have been so grateful for this recommendation as James and his business partners provided an excellent service for us.

How has James Coghlan helped you?

Both James and Ben have been fantastic to us buying our first home. They have both been incredibly professional and have helped us in all the different situations that faced us. James helped us get everything in order in time for us getting our house keys and was happy to call us around our working hours. We would thoroughly recommend Foursquare Financial and have enjoyed working with James and Ben.

Have you seen the outcome you were hoping for?

Yes, we were able to purchase our first home successfully and James was a key factor in our ability to do so.

James's reply

Thanks so much for providing such kind works. All the best. JC

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Cardiff

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

Re-mortgaging for additional lending and home improvement

How has James Coghlan helped you?

Secured a new mortgage with a top lender at an excellent interest rate

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We were originally told it would take 4-6 weeks however it took quite a lot longer but this was no fault of the the broker

James's reply

A pleasure to have worked with you, we all pulled together and got the result. Congrats!

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Bristol

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

I wanted advise on the best mortgage products

How has James Coghlan helped you?

Foursquare were a great help to me taking away a lot of stress in finding and applying for different products. I can't recommend highly enough!

Have you seen the outcome you were hoping for?

Yes I’m looking forward to working with James again

James's reply

I am very grateful for your review- thanks so much. James

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Applying for a mortgage

How has James Coghlan helped you?

Thank you Foursquare financial for all your hard work securing us a great rate on our mortgage and going through it step by step with us! We have finally completed and moved into our new home yesterday! It’s all gone so smoothly! We would recommend your service to everyone. Thank you James and also Ben who we spoke to several times during our application etc. Look forward to hearing from you again in the not so distant future!

Have you seen the outcome you were hoping for?

Yes

James's reply

I really appreciate your kind words, thanks for choosing us, James

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Remortgage

How has James Coghlan helped you?

We received an amazing service from Foursquare Financial Ltd and completed our remortgage. James was extremely professional and provided expert advice and secured a mortgage and insurance that met all our requirements. The whole process was made simple, carried out efficiently with flexible appointments and brilliant communication. We were kept up to date and informed at all times and provided with clear and concise information and recommendations. Overall the whole process was made easy for us! I really can’t recommend this company highly enough. Thank you James and Foursquare Financial Ltd.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Honestly can not think of anything!

James's reply

Thanks Leanne, very grateful for your feedback. Best wishes. James

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Bristol

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

James was recommended to me initially through a friend.

How has James Coghlan helped you?

James came to my house, I gave him some information he requested he then sorted a new mortgage for me.

Have you seen the outcome you were hoping for?

Yes the outcome was we moved house and as you would expect had a couple of queries along the way, I simply called and it was sorted with no hassle.

What could they have done better?

I could not of asked for anymore.

James's reply

Thanks so much, best wishes to you both and every happiness in the new place.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Bristol

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

I needed help finding and applying the best mortgage to suit my financial circumstances.

How has James Coghlan helped you?

James found a good mortgage deal for me and arranged life insurance

Have you seen the outcome you were hoping for?

Yes.

James's reply

I am really grateful for your feedback, I am glad we got a brilliant result on your new home- Kind regards. James

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Bristol

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

First time property buyer

How has James Coghlan helped you?

James set up the mortgage and offered advice on insurance products that I might find useful as I have a mortgage in just my name

Have you seen the outcome you were hoping for?

Yes, I moved into my first property last weekend!

What could they have done better?

James was really good, very supportive for a first time buyer and the only part of the process I didn't find stressful was my conversations with him. I always felt like he knew where we were and what advice I needed at that point

James's reply

Thanks so much Owen, really appreciated - I'm glad you are in and settled- enjoy your first home.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Cardiff

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

brought my first property during covid-19

How has James Coghlan helped you?

made the entire experience stress free. I have already passed his number to my friends who are hoping to buy asap. kind and professional individual and no matter how many times i pestered him he always helped. Also like to put here that his colleague Ben was exactly the same; really helped me when my solicitor was not the easiest. Thank you so much both of you.

Have you seen the outcome you were hoping for?

got the property i wanted and at an affordable monthly rate.

What could they have done better?

nothing. where better than i had hoped and honestly worth every penny and more.

James's reply

Claire, it was an absolute pleasure- thanks for choosing us. Best wishes for the future

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Cardiff

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

I had been struggling to get a Mortgage through traditional means

How has James Coghlan helped you?

James helped arrange me a Mortgage and get me on the property ladder.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No, James was professional and despite the difficulty accessing a mortgage, James endured and got me an excellent result.

James's reply

A very complex case that I was determined to get the right result on and we all worked tohether to get there in the end. Thats what it's all about!

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in Somerset

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

We were seeking a mortgage on a new property purchase.

How has James Coghlan helped you?

James oversaw the initial search for a mortgage and has dealt with all the steps on the way to purchase. He also researched and arranged buildings and contents insurance on the new property. He also researched and arranged a suitable life insurance policy.

Have you seen the outcome you were hoping for?

Yes, we are finally in the new property thanks to James and his colleagues at Foursquare Financial Services.

What could they have done better?

Hi service could not have been better.

James's reply

Well done to you both, I am sure you will be really happy in that lovely home . It was a pleasure to help and best wishes for the future- see you soon! JC

Review from verified client

October, 2020

Overall

Service

Advice

Value

Based in Somerset

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

I needed a mortgage adviser when moving house and was recommended him by estate agent

How has James Coghlan helped you?

He got me the best mortgage offer he could and he and his colleague saw it through to completion and even put pressure on my agent in the last weeks when my mortgage offer was close to expiry date. He was also very easy to contact and when he wasn’t immediately available he would return my call or email within a few hours.

Have you seen the outcome you were hoping for?

Yes

James's reply

So pleased for you to have realised your ambitions and to have had the opportunity to help and advise you on the way. All the best. JC

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Bristol

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

mortgage - first time buyer

How has James Coghlan helped you?

Provided advice and help on process of applying for mortgage and looked for the best deal to suit my circumstances

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

James provided all the information I required throughout the process and answered any queries, I don’t feel there could have been any improvements

James's reply

Georgina, big congratulations on the new home and thanks for choosing us. Best wishes. James

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Need to consolidate some of our costs

How has James Coghlan helped you?

Identified various realistic options with sensible advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We believe the support given was ideal for our circumstances

James's reply

Thanks so much for your review, I am glad we were able to help. Best wishes. James

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

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

Buying a house

How has James Coghlan helped you?

Find a best lander

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Hi have done the best

James's reply

Congratulations on the sucessful purchase. James

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Myself and my husband were struggling to find a mortgage due to poor credit history and James was recommended.

How has James Coghlan helped you?

James was 100% committed to sourcing a mortgage for us and did not give up until a solution was found! We are now nicely settled in our new home with an affordable mortgage that we really didn't think would be possible. James communicated really well with us throughout the whole process, was easily contactable and kept us fully up to date.

Have you seen the outcome you were hoping for?

Absolutely :)

What could they have done better?

NA

James's reply

We all worked together to make it possible, a challenge but a brilliant result. So glad we could help you secure such a fantastic home.

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Bristol

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

I wanted to remortgage a property that I rented out. We then reviewed my other properties and came up with some good ideas that were less expensive than my current suppliers. 6 months later he also helped me secure a lower price on the insurance for my buy to let properties

How has James Coghlan helped you?

He gave me excellent advice. He gave me many options after asking what I wanted from a remortgage(s). He was not "pushy" in his approach which I have had from previous advisors. This informative / relaxed approach is important to me.

Have you seen the outcome you were hoping for?

Yes we remortgaged several properties based on the criteria I wanted

What could they have done better?

I don't think he could have done any better. I do not have any further constructive suggestions for James

James's reply

Great working with you and thanks for your recommendation, James

Review from verified client

September, 2020

Overall

Advice

Service

Value

Based in Dorset

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

Buying a new house and insurance & protection

How has James Coghlan helped you?

I have done some work with others But James Coghlan was the best financial advisor helped me to understand everything i needed to know about the mortgage and funded the lowest rate mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not more than James Colgan have done

James's reply

Thanks- a great result in the end and great to see you finally in your family home. Best wishes

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying our first house.

How has James Coghlan helped you?

James helped us find a great mortgage despite us pulling the rug from under him with a change to how much deposit we wanted to put down. He also stated on top of the whole mortgage process, keeping the solicitors and estate agent up to date. Then was on top of helping us get sorted with the insurances that are needed.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/A

James's reply

A pleasure to have helped and thank you for the review- best wishes in the home, I hope you are both very happy there.

Review from verified client

August, 2020

Overall

Value

Service

Advice

Based in Gloucestershire

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

First-time buyer needing a mortgage for a property purchase

How has James Coghlan helped you?

James talked through all the options and advised me on the products available to me; he was very patient in fielding the many questions I had as a first time buyer, and communication has been excellent at all times.

Have you seen the outcome you were hoping for?

Yes - I have had a mortgage offer, and am now just hoping the rest of the process goes as smoothly.

What could they have done better?

I can’t think of anything. I have been really impressed by the service offered by James.

James's reply

Thankyou for your review and thanks for choosing me. All the best wishes in your new home.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Somerset

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

I am a first time buyer and was looking to get a mortgage.

How has James Coghlan helped you?

James provided advice on the mortgage market, what was available for me based on affordability. He found me a good mortgage deal and applied for it for me and has been very helpful.

Have you seen the outcome you were hoping for?

Yes - mortgage offer was promptly applied for after advice, and offer has been issued.

James's reply

Thanks for the feedback, I appreciate you choosing to entrust us with your first purchase. Regards James

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

My mortgage rate was coming to an end

How has James Coghlan helped you?

James listened to what we needed and sourced the best product for us. We were very pleased with how quick and professional his service was

Have you seen the outcome you were hoping for?

Yes. We have recommended him to a number of friends and family who have all been pleased with James.

What could they have done better?

From what we needed/ wanted there is no Feedback required.

James's reply

Thanks Tom, very kind and a pleasure to have helped you.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

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

First time buyer (with little faith I would ever get on the property ladder) I called James really for advice on my options and more likelihood on getting a mortgage in the future. I had little knowledge on the whole process with regards to loan to value rate etc..

How has James Coghlan helped you?

James completely puts you at ease from the first pre arrange telephone call, we went through all my concerns and he assured me I’d have no issues getting a mortgage (still didn’t quite believe it at 39 years Old) But James went away and came back a little while later With assurance on a number of mortgage products available to me!!

Have you seen the outcome you were hoping for?

I picked up the keys to my first home two days ago!! I could not be happier with the service James provided. House buying I’ve doing is not without its hiccups - survey findings, Renegotiating my offer, Estate agent issues etc etc but James was always at the end of the phone to answer my queries and resolving any problem.

What could they have done better?

I don’t think the service could be improved. James has the whole process down to a Tee - he is professional, friendly and actually cares about his clients and I can vouch for everyone else I had dealings with at Four Square Financial, just a great bunch!

James's reply

Thanks guys- one of those cases with a few bumps on the way but we all worked together, did not give up and got the right result! Best wishes for the future

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Bristol

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

I don't know much about Mortgages etc so would always look for advice in area i am not sure in.

How has James Coghlan helped you?

He searched for the best products within a very short amount of time. We asked for help on the Friday and he got us the DIP on Monday morning! Very fast and extremely good deal!

Have you seen the outcome you were hoping for?

I don't understand the question. But we have certainly got everything we needed from this service.

What could they have done better?

I can't think of anything. Been great throughout no matter what time of day. Answers every phone call and every email extremely quickly.

James's reply

Many thanks Nick and Amy- I really appreciate your feedback

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Bristol

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

First time buyers

How has James Coghlan helped you?

James worked hard to maximise our borrowing power and got us a mortgage deal that we wouldn't got on the high street, and also helped us overcome the bumps in the road en route to our own home. Even a global pandemic didn't stop James and his team from progressing our mortgage.

Have you seen the outcome you were hoping for?

Yes, we're very happy.

James's reply

Such a pleasue to have met you both and been able to help in this matter.

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?

Purchasing a house

How has James Coghlan helped you?

James helped with finding and processing all aspects of purchasing my new home

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

James was outstanding!

James's reply

Hi Victoria, I hope all is well in the new home. Thanks so much for the feedback. All the best. James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

remortgage

How has James Coghlan helped you?

took care of everything from the outset, explained everyone really clearly, kept in touch with updates, make the process very easy

Have you seen the outcome you were hoping for?

yes. very pleased

What could they have done better?

nothing very pleased

James's reply

Dawn, thanks for choosing us, it was a pleasure to have assisted you with this matter. Wishing you all the best

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I wanted to have visibility of the whole mortgage market, rather than just the high street banks

How has James Coghlan helped you?

James found the cheapest mortgage deal, via a lender I simply couldn’t access

Have you seen the outcome you were hoping for?

Yes, James found the cheapest source possible and pre checked everything so I knew my application would be accepted

What could they have done better?

Can’t think of anything. Great service

James's reply

Thanks Tom, very much appreciated, wishing you all the best! Regards James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Rhondda Cynon Taff

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

Initial advice sought on possible new re-mortgage deal.

How has James Coghlan helped you?

Gave up to date advice and provided multiple options & deals on re-mortgaging. Also sorted insurance cover to suit within given perameters and budget.

Have you seen the outcome you were hoping for?

Yes absolutely, spot on

What could they have done better?

Honestly, nothing Advise was good Deals were good Regular updates on each stage when i authorised James to proceed

James's reply

A great client outcome and I am glad you are delighted- many thanks for the kind words and best wishes to you and the family. Regards James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I was advised to

How has James Coghlan helped you?

Explained a complex understanding so I understood everything

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Advised me on solicitors and what they do

James's reply

Thanks Ben, I am glad you are pleased with everything, all the best for you and the family in the new home. James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

Buying my first home.

How has James Coghlan helped you?

Finding a mortgage offer and life insurance.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/A

James's reply

Alice, thanks so much for the review, we got there in the end and I hope you are very happy in your beautiful apartment. Kind regards. James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Oxfordshire

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

I was purchasing my first home

How has James Coghlan helped you?

The property I was buying had been overpriced & James dealt with the sellers until they eventually dropped the price. This was after 2 mortgage companies had completed their valuations.

Have you seen the outcome you were hoping for?

Yes, with James’ help I was able to purchase the property. He talked me through the whole process in great detail & kept me updated with the various mortgage companies comments etc.

What could they have done better?

I don’t think James could have done anything differently. He went above & beyond to help me purchase my first property.

James's reply

Kim, Thanks for your message and the review- So pleased it worked out so well for you both. Wishing you every happiness in your fantastic new home.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Herefordshire

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

Support with a Mortgage application (S)

How has James Coghlan helped you?

Yes James was a great support to me giving me excellent information and guidance

Have you seen the outcome you were hoping for?

Yes i did

What could they have done better?

Expectations went above and beyond - could not have asked for more !

James's reply

So grateful for your kind words. Much appreciated.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

My boyfriend and I were buying our first house.

How has James Coghlan helped you?

He talked us thought the process and all the different options available to us.

Have you seen the outcome you were hoping for?

Yes, we are days away from completion and moving into our first home.

What could they have done better?

James made himself available when we were both off work and appointments (both phone and in person) were easy to make.

James's reply

Thankyou Faith and Lee so much for your feedback, wishing you all the best for future. James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

I wanted a mortgage

How has James Coghlan helped you?

Foursquare were a great help to me taking away a lot of stress in finding and applying for different products. I can't recommend highly enough!

Have you seen the outcome you were hoping for?

Yes James found a great product for me that met my needs

James's reply

Hi Telbert, many thanks for the review- I hope all is coming along well in the new home. Regards James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Somerset

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

Remortgaging my residential property in order to do an extension.

How has James Coghlan helped you?

Found me the best mortgage product for my needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of.

James's reply

Dear Jack, I really appreciate the review, very grateful. I hope the project is moving along well now and good luck for the future. James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

Remortgage

How has James Coghlan helped you?

Found The best possible interest rate for my remortgage

Have you seen the outcome you were hoping for?

Yes I have

James's reply

Hi Khalil, it was a pleasure to help you and thanks for choosing Foursquare. All the best! James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Cardiff

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

First time buyer

How has James Coghlan helped you?

James was a amazing help to myself and my partner and helped us get the home we really wanted.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I personally feel James advice and help throughout was second to none and personally don’t see any aspects of which he could improve on.

James's reply

Hi Aleem, glad all is well and hope you and the family are enjoying your new home. Thanks for taking the time to provide a review, it's much appreciated. James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

,

How has James Coghlan helped you?

He help me a lot with everything

Have you seen the outcome you were hoping for?

Yes

James's reply

Hi Jozef, it's been a pleasure to help you and the family secure your home, wishing you all the best for the future. Regards james

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

I was purchasing my first house, he was recommended by the estate I was using.

How has James Coghlan helped you?

He went above and beyond when it came to answering my questions (sometimes i would ask twice so i really understood) he had no issues with this at all.

Have you seen the outcome you were hoping for?

1000%

What could they have done better?

Nothing if James wasn't available Ben in the office was more than happy to help with any last minute questions.

James's reply

Lauren, thank you for providing me with such a kind review! Always happy to help! I hope you enjoy the new home and I wish you every happiness there. Regards James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I’m pretty clueless about the whole process so I wanted a professional

How has James Coghlan helped you?

I couldn’t recommend four square more. We bought our first house recently and went through hours of mortgage comparison. We went to brokers, advisors and tried to search on our own. James came in and instantly knocked £200 off our quotes. Then when I lost my job he secured us a day 1 mortgage still for £170 less than we could find on our own. He was professional, reliable and cut the b.s so we knew where we were at all times and what was going on. Ben was helpful working in the background too. There was always someone to talk to/ask for help at any point. We couldn’t have done it without them.

Have you seen the outcome you were hoping for?

Yes. Above and beyond

What could they have done better?

I honestly can’t think of a fault I’d want improving

James's reply

Tom and Mia, it was a pleasure helping you and your family secure your first home and thanks so much for taking the time to provide this review, much appreciated. Best wishes James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Couldn't get the mortgage I wanted on the high street

How has James Coghlan helped you?

Excellent service and advice, after trying the high street banks and my local brokers I was still £5000 off of my goal until Foursquare Financial started looking for me, and then when the first choice mortgage provider changed their minds about my disabled benefits they had a second choice ready and waiting to go with the full amount I needed. not only did they find me the mortgage and work with the companies on my awkward income situation, but they also guided me through the buying process and helped me find a good inexpensive honest conveyancer that actually stuck to the original quote. Thanks again James for all of your help, I would recommend you to anyone.

Have you seen the outcome you were hoping for?

Yes, I now own the house that I needed the mortgage for.

James's reply

Dear Andrew, I hope all is good with you in your new home, I am really grateful for you taking the time to provide a review for me. Speak soon, all the best, James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Remortgage to cover building works and new kitchen

How has James Coghlan helped you?

We received an amazing service from Foursquare Financial Ltd and completed our remortgage last week. James was extremely professional and provided expert advice and secured a mortgage and insurance that met all our requirements. The whole process was made simple, carried out efficiently with flexible appointments and brilliant communication. We were kept up to date and informed at all times and provided with clear and concise information and recommendations. Overall the whole process was made easy for us! I really can’t recommend this company highly enough. Thank you James and Foursquare Financial Ltd.

Have you seen the outcome you were hoping for?

Yes, new mortgage, great deal so still affordable and repaid over existing term but gave us funds to complete building work and new kitchen

What could they have done better?

Nothing! James was so flexible with appointments and communicating, made everything easy and took us through all implications. Completed really quickly and hassle free.

James's reply

Leanne, thanks for choosing Foursquare Financial to help you with your needs, I am glad you were satisfied with the service we offered- we aim to please! Wishing you all the best for the future- many thanks, James

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

Buying our first home

How has James Coghlan helped you?

Thank you Foursquare financial for all your hard work securing us a great rate on our mortgage and going through it step by step with us! Myself and adam have finally completed and moved into our new home yesterday! It’s all gone so smoothly! We would recommend your service to everyone. Thank you James and also Ben who we spoke to several times during our application etc. Look forward to hearing from you again in the not so distant future!

Have you seen the outcome you were hoping for?

Yes, thank you to all at foursquare financial

What could they have done better?

N/A

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Wiltshire

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

I was turned down for a mortgage by high street banks due to poor credit rating

How has James Coghlan helped you?

James is amazing. After being declined by my high street bank, Foursqaure Financial was recommended to me by an estate agent. I really didnt think they would be able to help, however James from Foursqaure worked tirelessly to secure a mortgage for me and my kids. He has been a big support throughout a very difficult six months and I wouldn't be in my home and out of debt if it wasnt for him. James is professional, kind, very supportive, went above and beyond to make sure all legal work was completed properly. I would highly recommend Foursqaure. James is literally a life saver. Thank you Foursqaure Financial

Have you seen the outcome you were hoping for?

Yes, my son and I are happy in our new home.

What could they have done better?

James did everything that I can think of including giving me long term financial advice to avoid financial problems in the future.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Bristol

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

Buying our first home, plus the home & life insurance protection that comes with this.

How has James Coghlan helped you?

I really can not recommend Foursquare Financial Services to anyone enough!!!! James helped with everything, starting from while we were looking at houses to buy due to a huge knowledge of the estate agency side of things and was able to give advice and reassurance on all sorts of things we came across (houses at auction, TPO’s in place etc.), to getting the best mortgage deal, buildings insurance, and life insurance for us!! You made buying our first home so easy and stress free, and never having done it all before I felt so comfortable knowing that you were there at all times to answer the smallest and most ridiculous questions (although you always reassured us that they weren’t!!), even if it wasn’t your place to do so you were always so willing to help and go over and above! James kept in touch regularly to check how things were from our end and update us from his, and constantly helped to chase things as we got closer to completing which was amazing! You are all so lovely, friendly, and completely approachable, and I really cannot thank you enough for all of your help

Have you seen the outcome you were hoping for?

Absolutely!!!

What could they have done better?

I genuinely can’t think of any constructive suggestions for the team, they really were brilliant.