James Coghlan

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

Purchase of a new home

How has James Coghlan helped you?

James has been advising me on mortgages for several years

Have you seen the outcome you were hoping for?

Yes - James’ advice is always excellent and I have never had any issues with his recommendations

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

First time buyers

How has James Coghlan helped you?

James was extremely communicative, explained everything and made this as easy as possible for us

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, everything was exceptional!

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

I am a first time buyer who was looking for mortgage advice.

How has James Coghlan helped you?

James helped me understand the different types of mortgage and interest rates and supported me throughout the whole process. He also helped with life insurance and contents insurance policies. I could not have done it without his help.

Have you seen the outcome you were hoping for?

Yes and I’m very happy with every step of the service and time I received.

What could they have done better?

I cannot think of anything that there was to improve. James was patient and supportive which allowed me to feel confident throughout the mortgage process.

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

Looking to understand and independent view on my affordability.

How has James Coghlan helped you?

He’s provided a mortgage that was initially believed to be beyond my reach along with complimentary insurance products.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing. He was an excellent sales man without the pushy sales vibe. Thank you very much

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

Better rates than the usual suspects

How has James Coghlan helped you?

Obtained a loan for a house

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All good

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

First time buyer

How has James Coghlan helped you?

James has been very helpful in advising both on mortgage and insurance but also the whole house-buying process - never made me feel stupid when I asked very basic questions!

Have you seen the outcome you were hoping for?

Yes - I got the keys for my flat this week! I took a long time to buy a property (nearly 2 years) but James was v patient and took me seriously as a client throughout the process.

What could they have done better?

Nothing!

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

James has been my financial advisor for the past 5 years

How has James Coghlan helped you?

Re-mortgage after house renovation’s

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, as always James provides clear and concise advice and is quick to answer questions and get the best outcome.

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

We were looking to release money from our UK property to renovate our property in Spain

How has James Coghlan helped you?

James helped enormously by researching the financial market for the product which best suited our requirements. He also compiled a list of 3 various products as a secondary plan, ensuring we achieved our desired outcome.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing could have been done better.

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

First-time buyer

How has James Coghlan helped you?

James helped with my initial mortgage application and two further mortgage renewals, he always looks out for my deal and helps me get the best price.

Have you seen the outcome you were hoping for?

Yes!

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

Urgent remortgage.

How has James Coghlan helped you?

Found me a good mortgage offer

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Remortgage, Equity, borrowing

How has James Coghlan helped you?

Very effective, he knows what he’s doing, always bring up his clients first with a world class service. Always on time, especially when you are about to remortgage James will call you within a good frame of time to arrange an appointment. Very professional and always set me up with a good market deal I would say one of the best and honest financial advisor, I’m using his service for many years now and highly recommend to others.

Have you seen the outcome you were hoping for?

Positive outcome as promised

What could they have done better?

I think James done all his best and there’s nothing I can advise to work on to be honest so far.

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

Buy to let purchase

How has James Coghlan helped you?

Arranged two mortgages and insurance at speed

Have you seen the outcome you were hoping for?

Yes all needs fulfilled

What could they have done better?

Nothing was time pressured purchase and James was very efficient and remained courteous and polite despite my panic

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

I began looking for an advisor when I was purchasing my first home in 2019.

How has James Coghlan helped you?

James made the whole house buying process so much easier to understand and less daunting. He has now helped me with two house purchases, as well as remortgaging my first house and I couldn't be happier.

Have you seen the outcome you were hoping for?

Yes, everything within James's control has gone very smoothly.

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

My mortgage rate was coming up for renewal

How has James Coghlan helped you?

He has considered all my options available in line with my circumstances and has made sure I have the best outcome to make the best choice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing

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

First time buyer

How has James Coghlan helped you?

We had no idea the process of buying a house or if we were even eligible for a mortgage, James jumped on a call with us 24hours after us getting in touch and spent his Saturday morning running through the process and finding us a lender pretty much the same day therefore we were able to proceed quickly with a house we already viewed and made a offer on.

Have you seen the outcome you were hoping for?

Yes

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

Needed mortgage advice

How has James Coghlan helped you?

Provided advice and arranged our mortgage

Have you seen the outcome you were hoping for?

Yes

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

I wanted to remortgage and take some equity for improvements.

How has James Coghlan helped you?

James searched for a lender that was a good fit.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

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

I wanted to re-mortgage a rental property to a better deal and release some equity for home improvements and debt consolidation.

How has James Coghlan helped you?

Walked me through the transaction from initial conversations pertaining to my circumstances and goals to the completion date with the unparalleled of expertise.

Have you seen the outcome you were hoping for?

Yes and given me a fantastic advisor for future transactions.

What could they have done better?

Nothing, brilliant service provision.

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

I am in my mid 50s looking for a mortgage after renting for the last 15 years.

How has James Coghlan helped you?

He has been able to offer sound honest advice, always being on hand to answer any questions I have had during the process, and succeeded in securing our mortgage.

Have you seen the outcome you were hoping for?

Yes, we obtained our mortgage at a competitive rate, with ease and no stress.

What could they have done better?

Nothing, professional friendly service.

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

Help with getting the best mortgage rate.

How has James Coghlan helped you?

James has been superb, he has made the process stress free and I can’t thank him enough.

Have you seen the outcome you were hoping for?

Yes we have. We have a mortgage offer.

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

Purchase of property, needed specialist mortgage support.

How has James Coghlan helped you?

With James's tenacity, he found a way through to securing an excellent mortgage when we were giving up hope of being able to get one. Communication and being kept upto date was tip-top.

Have you seen the outcome you were hoping for?

He met, rather exceeded all of our expectations.

What could they have done better?

Not sure there is anything that James could do better.

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

Mortgage renewal

How has James Coghlan helped you?

James had provided us with excellent advice and reassurance as our first mortgage renewal comes up, in addition to advising on our insurance needs.

Have you seen the outcome you were hoping for?

James secured the best rate early

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

My estate agent recommended them.

How has James Coghlan helped you?

He has completely organised my mortgage and insurance. I would not have been able to do it with the speed and efficiency that he did.

Have you seen the outcome you were hoping for?

Yes

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

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

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

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

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.

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!

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.

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!

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.

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.

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

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

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 .

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.

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.

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 .

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.

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.

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

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.

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 :)

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

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.

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

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

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

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.

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!

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

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.

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.

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

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

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