Reviewed for

Insurance and Protection ( 18 )

Mortgages ( 63 )

Pensions ( 1 )

Reviewers' assets

£500k+ ( 1 )

£200k - £500k ( 3 )

£100k - £200k ( 3 )

£50k - 100k ( 6 )

Up to £50k ( 34 )

Client reviews

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Moray

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

We were looking to take our a mortgage as first time buyers

How has Emma Baird helped you?

Emma explained everything to us in detail and made the whole process seem simple and straight forward. She got us set up with our mortgage with a great interest rate.

Have you seen the outcome you were hoping for?

Yes we now own our house

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

My partner and I were looking for a mortgage advisor to assist with the purchase of our new property. I had previously used Emma in the past and she was incredibly helpful.

How has Emma Baird helped you?

Emma took the time to carefully explain our various options with regards to our mortgage. She broke everything down really well and ensured we had client friendly advice at all times. In a tough market she managed to find us a deal that we were both delighted with and she has gone the extra mile with making sure that we are adequately protected with relevant insurance. Emma even managed to juggle our busy work schedules and made herself available for meetings at times that suited us both which was a huge help.

Have you seen the outcome you were hoping for?

Absolutely, we are both delighted with the outcome and the level of service that Emma has provided throughout.

What could they have done better?

N/a

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

My circumstances changed when my husband died, I felt I needed a new home. When talking to my Solicitor she recommended me to talk with Emma, which I did straight away.

How has Emma Baird helped you?

Emma talked with me and she started the process of looking for a mortgage that day. I was so impressed how fast it all happened, she explained everything in detail and gave me the confidence that I could get a mortgage at my age. I felt over the moon when she told me I was accepted, all her hard work that she did for me was outstanding.

Have you seen the outcome you were hoping for?

Yes it was amazing and very very happy.

What could they have done better?

I don’t think they could have done anymore as I felt I got 100per cent attention from them.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

Me and my fiancé were first time home buyers.

How has Emma Baird helped you?

She helped us at every stage of the mortgage process and was always on hand to answer any questions.

Have you seen the outcome you were hoping for?

We got the best outcome and got the first house we put an offer in for, this was due to Emma’s knowledge and advice.

What could they have done better?

Nothing

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

the increase and spike in interest rates

How has Emma Baird helped you?

Emma has set us on a fixed rate whitch is now affordable and helped setting us back on the right path

Have you seen the outcome you were hoping for?

yes most definitely

What could they have done better?

absolutely nothing emma has been more than helpful and has been in constant communication making everything easy and run smooth

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

I was recommended to contact Emma Baird by family and friends when looking for a mortgage.

How has Emma Baird helped you?

By handling the application process and providing advice.

Have you seen the outcome you were hoping for?

Yes, and more.

What could they have done better?

Nothing, as far as I'm concerned the whole process was completely faultless.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

Looking to remortgage after a self build mortgage.

How has Emma Baird helped you?

She was so lovely and very easy to talk too. Not once was I bombarded with statistics or information I did not understand which I loved. Everything was explained and she made the whole process from selection to completion easy. Couldn’t recommend Emma enough she really is lovely and you know your in safe hands with her.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. She went above and beyond to help get our application processed and keep me updated.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Banffshire

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

I was looking to purchase a property, i was a first time buyer and had no idea about mortgages and a family member recommended Emma

How has Emma Baird helped you?

Emma has given mortgage advice for 2 properties and she has also given advice each time my mortgage rate has been up for renewal, each time Emmas help and advice has always been fantastic she is always happy to help and is always there to answer any questions

Have you seen the outcome you were hoping for?

Yes, I have always been confident in Emma’s advice and she has always found the best deal for me each time

What could they have done better?

Nothing at all I cant fault the advice and help Emma has given over the years

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

A remortgage

How has Emma Baird helped you?

Emma helped me quickly and professionally with my application for a remortgage

Have you seen the outcome you were hoping for?

Yes the new mortgage was arranged really quickly

What could they have done better?

Nothing

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Moray

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

Mortgage

How has Emma Baird helped you?

Getting the best deal . My son was only 19 and wanted his first house . Emma was so helpful

Have you seen the outcome you were hoping for?

Yes so happy would definitely use again

What could they have done better?

Nothing first class service

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Emma

Emma has just been fantastic, without a doubt so professional truly knows what she is doing in her job. I have definitely found my financial advisor for the future. Thank you for helping the way you have

First impression from a user who is not yet a client

June, 2023

Overall

Please provide a brief comment about your experience with Emma

Emma has been absolutely amazing. Complete attention to detail. Checking in. Just happy and a joy to deal with.

First impression from a user who is not yet a client

January, 2023

Overall

Please provide a brief comment about your experience with Emma

Emma got me a mortgage within 24 hours of applying and I don't think anyone else could beat that. She took all the stress out of the paperwork and was very well prepared for any questions the mortgage company had. I could have applied for a mortgage myself but I couldn't have processed it any quicker and the fact Emma found me a deal that was a better interest rate, no product fee. Including the broker fee it was still miles cheaper. Well done Emma!

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Bedfordshire

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

Emma recently helped me secure a brilliant mortgage which meant we could move home

How has Emma Baird helped you?

Emma is incredible, if I could give her 10 stars I would. Her knowledge of the mortgage market is amazing and her determination and and out of the box running and general can do attitude has helped us and many of my family and friends secure great mortgages

Have you seen the outcome you were hoping for?

Yes, and then some

What could they have done better?

NA

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Moray

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

Needed advice on options available for my circumstances.

How has Emma Baird helped you?

Provide clear explanations of options and costs associated.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Moray

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

Buying my first property

How has Emma Baird helped you?

A great help from start to finish, over a long period and getting me set up for my first property

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

On Emmas part everything was done brilliant, can’t find any fault at all.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Moray

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

Mortgage company change

How has Emma Baird helped you?

To get the most suitable mortgage for my circumstances

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 Moray

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

We wanted to secure a mortgage.

How has Emma Baird helped you?

We highly recommend Emma Baird, she has helped us secure 2 mortgages now and we couldn't imagine going through the process without her knowledge and expertise.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing, Emma literally bent over backwards to squeeze me in last minute on more than one occasion and i love that she got excited with us when we'd found the perfect house.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Aberdeenshire

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

Looking to purchase as a first time buyer and seeking mortgage advice

How has Emma Baird helped you?

As a first time buyer I felt so overwhelmed at the thought of the whole buying process but Emma soon calmed my nerves as we approached this one bit at a time. I cannot recommend her enough for all her help throughout my mortgage process. She answered absolutely any question I had and was always so quick and efficient in getting back to me. She is a huge asset to C&M and I would never think twice about recommending her. Thank you again for all your help!

Have you seen the outcome you were hoping for?

Yes, and I will be returning for advice when my fixed period is up on my interest rate

What could they have done better?

Nothing, Emma was brilliant with me

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Moray

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

My partner and I were buying our first home.

How has Emma Baird helped you?

Emma gave us 10/10 advice and guided us on what mortgage would be best for us. She also helped us pick out Life Insurance policies that were best suited for us.

Have you seen the outcome you were hoping for?

Yes we have and we are so happy we had Emma to help us with it all.

What could they have done better?

Absolutely nothing, Emma's communication was amazing and was so helpful throughout an already stressful process.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Moray

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

Purchasing our first home

How has Emma Baird helped you?

Emma helped us with everything we needed to do to get a mortgage for our first home

Have you seen the outcome you were hoping for?

Yes absolutely, we got the best rate at the time and Emma was available to help whenever we needed her. Emma was extremely knowledge and gave a very personalised service. I would highly recommend Emma to anyone who is needing help with getting a mortgage. It made our experience of buying our new house smooth and stress free.

What could they have done better?

Nothing, I couldn’t have faulted Emma’s service.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Moray

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

We needed a mortgage after being turned down initially.

How has Emma Baird helped you?

We are so very, very grateful to Emma for getting us a mortgage. We were recommended Campbell and McConnachie as our previous mortgage application was unsuccessful. Despite being a tricky case (2x self employed during Covid), Emma was brilliant. She was honest from the start and we felt like we knew where we stood. Not only have we got a mortgage, it's a great deal too (way better than the one we were turned down for). Thank you so much to Emma and the team.

Have you seen the outcome you were hoping for?

Yes. Emma secured us a brilliant deal on our mortgage and did so quickly. Her knowledge and experience are very apparent.

What could they have done better?

Nothing. I genuinely recommend Emma to everyone I know who needs a mortgage.

First impression from a user who is not yet a client

February, 2022

Overall

Please provide a brief comment about your experience with Emma

Emma was excellent very professional and found out what I needed for a new mortgage .

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Moray

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

Looking to raise funds from remortgaging of my property.

How has Emma Baird helped you?

Emma worked extremely hard to secure a mortgage for me despite my less-than-perfect (on paper) circumstances.

Have you seen the outcome you were hoping for?

Absolutely! Emma secured a mortgage, with a very good rate, for me.

What could they have done better?

Absolutely nothing.

First impression from a user who is not yet a client

August, 2021

Overall

Please provide a brief comment about your experience with Emma

Really good. Very knowledgeable, easy to speak to and grasped our situation quickly.

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Emma

Very helpful and knowledgeable in the field of mortgage advice. Quick to respond to all queries even out of normal working hours. Always looking to get the best deal for the customer in a professional way, thoroughly recommend.

First impression from a user who is not yet a client

August, 2020

Overall

Please provide a brief comment about your experience with Emma

Friendly and helpful

First impression from a user who is not yet a client

May, 2020

Overall

Please provide a brief comment about your experience with Emma

no comment at the moment

First impression from a user who is not yet a client

September, 2019

Overall

Please provide a brief comment about your experience with Emma

Very friendly, helpful & efficient ...

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Moray

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

Mortgage payment increased with out current provider

How has Emma Baird helped you?

She sourced a cheaper mortgage for two properties and later on in the year also improved our payments for other mortgages

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Nothing, she's an absolute professional and helped us greatly.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Moray

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

Moving house and needed a mortgage

How has Emma Baird helped you?

By providing a mortgage

Have you seen the outcome you were hoping for?

Yes, mortgage successfully provided and agreed

What could they have done better?

Nothing in this instance.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Moray

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

I had to raise capital for a deposit for a new house purchase and also a mortgage for the property I was buying

How has Emma Baird helped you?

Emma , was really helpful and explained all the options available to me , as well as going through the pros and cons of each available option.

Have you seen the outcome you were hoping for?

Yes , with Emma's help we found the best solutions that suited my circumstances and have went ahead with all mortgage applications

What could they have done better?

In my view there is nothing further that Emma could have done to make this process any easier. She explained everything in simple terms and was a great help.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Kent

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

By to let Property

How has Emma Baird helped you?

Finding the best deals on a mortgage

Have you seen the outcome you were hoping for?

Definitely Yes

What could they have done better?

She did everything to find the best mortgage for me and I don't know i could get a better advise or a better deal else where

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Moray

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

End of last mortgage term.

How has Emma Baird helped you?

Great advice and quick customer service which is very important to me.

Have you seen the outcome you were hoping for?

Yes, borrowed money at an excellent rate, also got great advice about our future and remortgaged.

What could they have done better?

Emma could not have done anything better. Her friendly nature and professionalism is first class, she doesn't only advise about the present but takes our future and retirement plans into consideration. Excellent.

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Moray

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

Purchase of a property

How has Emma Baird helped you?

With absolutely everything from start to finish concerning mortgages

Have you seen the outcome you were hoping for?

Absolutely, delighted with the service

What could they have done better?

Nope, everything was perfect

Review from verified client

February, 2019

Overall

Advice

Service

Value

Based in Moray

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

Buying a new home

How has Emma Baird helped you?

She sourced us the best rate for our new mortgage and made the whole experience simple and easy

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with Emma

Very helpfull and made me feel at ease, explained clearly and would use her services if I need to.

First impression from a user who is not yet a client

August, 2018

Overall

Please provide a brief comment about your experience with Emma

Contacted me very quickly after the referral, gave clear information of what would happen next. Was flexible about how to move to next stage. I'm just collecting the info needed so I can go and see her.

Review from verified client

October, 2017

Overall

Advice

Service

Value

Based in Moray

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

Buying our first home.

How has Emma Baird helped you?

Emma helped with advice on mortgages and borrowing along with advice on insurances for such borrowing that were required. Emma made the whole process less daunting and much easier to understand which massively aided our decision making. Emma made it clear we could ask any questions at any time. We couldn't have asked for better person to help guide us through such an integral and important part of put lives.

Have you seen the outcome you were hoping for?

Yes we managed to purchase our first home.

What could they have done better?

We cannot think of anything in which Emma could have done differently in order to have improved our experience. The process could not have been made easier to understand or made smoother.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Moray

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

I have used Campbell & McConnachie for mortgage advice and support for over 15 years, spanning property purchases, sales, and remortgaging on several occasions. They came recommended to me from a local accounting firm in Elgin, and I have never even considered to take my advice elsewhere, even when buying a property outwith the local area.

How has Emma Baird helped you?

Emma has helped with securing three different mortgages over the period I have known her, and assisted with some reasonably complex refinancing of and existing property in order to secure a second one.

Have you seen the outcome you were hoping for?

Yes, Emma's advice was first class and we are confident that we secured the best deal available for us well within the budgets we had advised and agreed with Emma.

What could they have done better?

Nothing that I can think of!

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Moray

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

I had sold my property and found another one I wanted to buy. I needed a mortgage quick so I contacted Emma at Campbell and McConnachie.

How has Emma Baird helped you?

From my first appointment I felt at ease with Emma. She is super friendly and clearly very knowledgeable​. She took me through what I thought would be a really stressful time and made it simple and stress free. I would definitely recommend Emma to anyone and get service has been worth every single penny. Thanks Emma!.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Honestly can't think of anything.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Moray

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

re-mortgage, following the end of our 5 year fixed term.

How has Emma Baird helped you?

Emma found us a new mortgage at less than half the interest rate we'd been paying previously and effectively allowed us to reduce our mortgage term by 5 years, while still paying less per month! This was done, seemingly effortlessly on Emma's part and everything from then on has run very smoothly. Any questions I've emailed to Emma have been replied to within minutes, leaving me reassured and confident that everything is going as it should.

Have you seen the outcome you were hoping for?

The outcome has been better than I'd hoped for.

What could they have done better?

I truthfully cannot think of anything that could have been done better

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Aberdeenshire

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

I needed a Mortgage for a new property.

How has Emma Baird helped you?

I have previously sought advise from Emma and have found her to be extremely honest, reliable and easy to work with; Emma arranged an excellent Mortgage for me incredibly fast and I would not hesitiate to recommend her to friends and colleagues.

Have you seen the outcome you were hoping for?

Most definitely.

Review from verified client

June, 2017

Overall

Advice

Service

Value

Based in Moray

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

Buying a flat for my son.

How has Emma Baird helped you?

I have dealt with Emma in the past and knew how good she was making everything so simple with no stress.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Cannot think of anything

Review from verified client

May, 2017

Overall

Advice

Service

Value

Based in Moray

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

I was having real difficulty in trying to sort out an anomoly with my current mortgage provider and my endowment policy. I had phoned my current lender on at least three occasions with no success.

How has Emma Baird helped you?

Emma went through the complexities of my situation, with no rush or hurry. She listened very carefully noting all my various issues. She gave her time freely for over 1.5 hours and actually made me feel that she really did want to resolve my problem - VERY unusual these days! She then took total ownership and telephoned my lender on my behalf! After givng my security approval to deal directly with her, the situation was resolved. Result!!.

Have you seen the outcome you were hoping for?

I am sending the agreed resolution via a letter to my lender, confirming the outcome of Emma's discussion with them.

What could they have done better?

I think for both the time Emma spent, but more importantly for the quality of advice given, that there should have been some charge!

First impression from a user who is not yet a client

March, 2017

Overall

Please provide a brief comment about your experience with Emma

My experience with Emma has been great!! She emailed me back straight away and even managed to fit me in the nxt day when I, unusually, had a day off work! Her methods are clear and easy to understand and she emails and calls to keep me 'in the loop'! I am not the least bit worried about our next meeting!

First impression from a user who is not yet a client

February, 2017

Overall

Please provide a brief comment about your experience with Emma

Very professional & comprehensive, with the process explained up front including when fees would be due. Will definitely continue to use.

Review from verified client

November, 2016

Overall

Advice

Service

Value

Based in Inverness-shire

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

Needed help getting a mortgage.

How has Emma Baird helped you?

Helped me get a mortgage, could not have made it any more simple ,will be recommending her to friends and family.

Have you seen the outcome you were hoping for?

100 %.

What could they have done better?

Nothing at all , first class service , from beginning to end

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Moray

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

The mortgage we had lined up with our high street bank fell through almost at the last minute due to a legal issue surrounding the purchase of our new build property. We were ready to put our new house on hold and go into a six month flat rental until someone suggested trying a mortgage broker. Quick google search and and we found Emma.

How has Emma Baird helped you?

Emma took our call straight away, listened to our problem, admitted it was a new one on her but assured us she would do what she could that day to investigate if there was a way forward. Within a couple of hours she was back in touch and confident that she could get a satisfactory outcome for us. From start to finish, Emma kept us informed of the process and the stages of our new mortgage application and was always extremely prompt in her response to any of our queries. Most importantly though, Emma had a positive, can do attitude throughout, which rubbed off on us at a time when we were ready to give up on our new house.

Have you seen the outcome you were hoping for?

Yes. Emma listened to our mortgage needs and sourced a fixed rate of the length we wanted at a rate we were very happy with. Our approval in principle followed very quickly and soon after we had our mortgage offer.

What could they have done better?

We can think of nothing that could have made our business with Emma any better. She has been the shining star throughout the whole roller-coaster of events. Highly recommend.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Moray

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

I am living abroad and needed someone reliable to conduct my business from within country.

How has Emma Baird helped you?

Emma took on all responsibility to find and arrange my mortgage given the difficulties associated with currently living abroad.

Have you seen the outcome you were hoping for?

Absolutely perfect.

What could they have done better?

Giving the circumstances, I am not sure that there was much more that could be done. With good communication and interaction between both me and Emma, everything was concluded expeditiously with appropriate timing applied to each phase of the process.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Moray

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

We had been trying to secure a mortgage by ourselves and had been given the runaround by the one we had chosen and received extremely poor and inefficient service. Our solicitor aware of our issues suggested we speak with Emma.

How has Emma Baird helped you?

Emma met with me the next day, she told me what I needed to take with me to our meeting, she asked about my expectations and helped me identify what I was looking for in a a mortgage. SHe was able to advise on the mortgage provider who would be best able to meet my needs, which include speed of decision.

Have you seen the outcome you were hoping for?

We received a formal offer of mortgage plus could have had release of funds within 3 working days which was above and beyond any expectations.

What could they have done better?

Emma provided the right mix of friendly and professional help, I felt she really tried to understand me as a person, there is nothing she would have done to improve her service....we were absolutely delighted and if trying to source/change my mortgage again in future I would certainly use Emma.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Moray

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

Needed a specialist mortgage.

How has Emma Baird helped you?

Emma understood my particular requirements and found me a mortgage which i am very satisfied with.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Realistically I couldn't have asked for better assistance and advice. My requirements both in situation and timescale changed during the application and Emma took it all in her stride.

Review from verified client

May, 2016

Overall

Advice

Service

Value

Based in Moray

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

I was having some difficulty in finding a suitable mortgage, and Emma was recommended by a relation of mine.

How has Emma Baird helped you?

Emma found a number of Mortgage companies that would be able to give me a mortgage, as it was over a shorter period. It was so effortless and she explained everything in detail and answered all my questions with honesty.

Have you seen the outcome you were hoping for?

I have now found a property and the offer is in and been accepted and the mortgage has also been approved without any hitches.

What could they have done better?

I can't think of anything that could have been done better, as I am that satisfied with the whole process.

First impression from a user who is not yet a client

April, 2016

Overall

Please provide a brief comment about your experience with Emma

Apparently she cannot or does not want to provide services requested.. I did not receive a direct response from her, but a call from the office that she could not provide the services. I am at an early stage of considering a move to Inverness area and inquired about mortgage broker services pertaining to obtaining a small mortgage commitment prior to offer. Perhaps this not her area of interest or my situation is premature. Ratings do not reflect dissatisfaction, only lack of any response to make a judgement.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Moray

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

We were looking to find the best deal for getting a mortgage on a purchasing a new house and were recommended Emma by a friend.

How has Emma Baird helped you?

Emma understood exactly what we were after and explained all the different options. She was always at the end of the phone/email to answer any questions we had and we felt safe knowing Emma was there to get us the best deal.

Have you seen the outcome you were hoping for?

Yes Emma got us the best deal possible on the day even when it had changed since we initially went to see her.

What could they have done better?

I don't think she could be any more helpful.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Moray

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

Remortgage final term.

How has Emma Baird helped you?

Emma was very friendly & relaxed. Nothing was a problem that could not be overcome. Got us a better deal than expected to finish our mortgage early. Explained every charge we would incur so no hidden surprises. Excellent service.

Have you seen the outcome you were hoping for?

Yip, set up was great and any queries answered promptly.

What could they have done better?

Don't think we could have asked for more.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Moray

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

Looking fo a mortgage.

How has Emma Baird helped you?

Emma went above and beyond to find the right mortgage for me as first time buyer she done everything for me as I was unsure how to go about it.

Have you seen the outcome you were hoping for?

Yes I am happy I received the right mortgage for me and Emma explained to me all about my mortgage.

What could they have done better?

In this occasion I am very happy with everything that Emma has done for me she is very professional in her job and will definitely recommend her to family and friends she made it all worthwhile and stress free getting me my mortgage

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Moray

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

We were looking for a competitive Buy to Let Mortgage to allow us to plan for our children's future.

How has Emma Baird helped you?

Emma found us a really competitive fixed rate deal which was exactly what we were looking for.

Have you seen the outcome you were hoping for?

Emma was so professional and helpful and really made the process easy from start to finish. Any questions were answered promptly with great communication throughout ensuring that we knew exactly what was happening at all stages of the process. Our Mortgage offer was issued quickly and settled without any delays or problems.

What could they have done better?

Absolutely nothing! Fantastic service and will definitely do business with Emma again in the future ! Defo recommend! If you need mortgage speak to Emma!

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Moray

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

My mortgage was up for renewal as my current deal had came to an end.

How has Emma Baird helped you?

Emma helped by searching through mortgages which suited my needs and also found me a really good deal.

Have you seen the outcome you were hoping for?

Yes the mortgage is up and running.

What could they have done better?

I don't think there's anything Emma could have done better to be honest, helped me with anything I was unsure about.

Review from verified client

March, 2016

Overall

Advice

Service

Value

Based in Moray

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

Looking for a mortgage for our new home.

How has Emma Baird helped you?

Emma helped us with LOTS of questions !! and also helped find the best mortgage to suit us.

Have you seen the outcome you were hoping for?

Yes we are delighted with the outcome and cant wait to move to our new house.

What could they have done better?

I don't think Emma could top all the help she has given us over the last few months, any time I had the slightest question be if big or small Emma always had time to answer it. Defiantly a first class service and couldn't recommend her enough.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Moray

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

Moving home.

How has Emma Baird helped you?

Advice on mortgages and found lots of options for us. My employment as a contractor meant some mortgages more difficult to get agreement but Emma still found options.

Have you seen the outcome you were hoping for?

Living in our new home and happy with our mortgage.

What could they have done better?

All really good.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Moray

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

Marriage breakdown and needed to find an affordable mortgage.

How has Emma Baird helped you?

Emma sourced me a mortgage from a reputable lender at a price I could afford.

Have you seen the outcome you were hoping for?

Just moved into my new home with mortgage and life and critical illness protection in place.

What could they have done better?

Nothing to be honest. The service Emma provided was first class.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Moray

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

We needed to take out a second Mortage to buy a new property and renting out or current property.

How has Emma Baird helped you?

She found us a Mortgage provider that would allow us to take out a Mortgage while keeping our current property.

Have you seen the outcome you were hoping for?

We are currently waiting to move and draw down the new mortgage.

What could they have done better?

Can't think of anything Emma could have done better. Everything was so stress free, quick and easy.

Review from verified client

August, 2015

Overall

Advice

Service

Value

Based in Moray

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

Changing Morgage provider.

How has Emma Baird helped you?

She was fantastic. Fast effective and very truthful and friendly.

Have you seen the outcome you were hoping for?

Definatly got what we wanted.

What could they have done better?

Nothing she was brilliant

First impression from a user who is not yet a client

July, 2015

Overall

Please provide a brief comment about your experience with Emma

Quick, honest and fair response to my query. Thank you.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Nairnshire

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

Needed a mortgage to buy a house after split from husband.

How has Emma Baird helped you?

She was able to find the perfect mortgage for me.

Have you seen the outcome you were hoping for?

Yes, I have the house and mortgage I wanted.

What could they have done better?

She did everything that was asked of her.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Moray

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

I am a first time buyer and although i have researched mortgages I really needed some advice.

How has Emma Baird helped you?

Emma explained the different type of mortgages and found me an affordable rate. She assisted me with the Forces Help to Buy process and was even happy to email me on her days off.

Have you seen the outcome you were hoping for?

I am just waiting to collect my keys to my first home!

What could they have done better?

Honestly, she couldn't have been more helpful or have done anything more than she did. She's efficient, knowledgeable and professional.

Review from verified client

June, 2015

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Brilliant from start to finish! We have just purchased our first home with Emma's help. The advise we received was excellent. She kept us informed at every step, and advised us on what we needed to do (as first timers we didn't have much of a clue). I doubt we would have been able to buy this without her help, certainly not as easily as it seems to have gone. And she was always very prompt at responding to quieries we had, even out of hours, and once at the weekend.

What could they have done better?

I honestly can't think of anything more she could have done for us. Always very friendly and helpful.

Review from verified client

April, 2015

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Emma was great, we visited to get an idea of how much we could spend on a house. We then returned with a house in mind costing more than we planned and she got us a very good deal. Always in contact with us every step of the way letting us know how things are going and when it was approved. We always managed to get an appointment to suit us.

What could they have done better?

As I am a first time buyer and only used Emma I think she did a fantastic job. She always showed us all the options available and explained everything. Very good at calling back to answer any questions you didn't ask when with her in person.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Very polite, knowledgeable and made me feel completely at ease, didn't patronise me and was eager for me to get in touch should I have had any more issues, thoughts, concerns etc, even out of hours which was a big help!

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Gives advice appropriate to your needs. Explains everything in terms you can understand.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

As a first time buyer I was quite nervous and not really sure of the process, When I seen Emma she was very helpful and efficient. She understood my situation and my plans for the future, then advised me on the best mortgage deal for me which in years to come will save me money. All her fees were outlined in the beginning and were made clear.

What could they have done better?

As a first time buyer I wasn't sure what to expect, I had no complaints dealing with Emma, everything ran smoothly and if I had and questions etc she was always happy to help.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Aberdeenshire

How has Emma Baird helped you?

Emma was very prompt in responding to my requirements and quickly set up a phone call (as I was unable to meeting face to face) where everything was discussed and options were well explained to me. She was also very good at handling the situation and removing any stress from the process. I am confident that the advice and recommendations I received were the best available at the time. All charges were well explained.

What could they have done better?

I really have no complaints or suggestions due to my overall satisfaction with the process and service thus far.

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Worcestershire

How has Emma Baird helped you?

My advisor knows the market well. She's very approachable, yet professional

What could they have done better?

N/a

Review from verified client

February, 2015

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Emma was very professional and had a deep understanding of her area of expertise. She was also very polite, friendly and personable. She made sure we fully understood every step of the process and always answered our questions promptly.

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Banffshire

How has Emma Baird helped you?

I dealt with Emma previously, she made anythign that needed to be done so simple and painless, I contacted mny current mortgage provider to look at additional borrowings, it was a lenghty and tedious process, I emailed Emma and the pain was gone, no issues and everying was explained to me, felt toally at ease with the entire process.

What could they have done better?

Think she is fine as she is

Review from verified client

December, 2014

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Emma understood our personal circumstances and goals in respect of our mortgage enquiry. She is easy to talk to and inspires confidence in her advice. Various mortgage options were discussed along with the risks and benefits of each. She explained the industry's attitude and requirements for mortgage applications by older people. Our mortgage application was made to our chosen provider after a whole of market search. Pro & cons of a number of mortgage providers were discussed.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Throughout the whole process Emma was very helpful and was always contactable. Emma made the mortgage application stress free for myself and I would recommend her to anyone, I for one will be going back to her for any future mortgage or investment advice.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Emma was very helpful and answered any questions we had fully and very quickly. She never made me feel like I was asking a silly question. She completely understood our situation and made me feel at ease from the first phonecall. She was very professional and friendly and I can't thank her enough!

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Inverness-shire

How has Emma Baird helped you?

1 Appointment arranged very quickly 2 Advisor explained all facilities available in Laymans language 3 Showed great patience and understanding of my requirements

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Moray

How has Emma Baird helped you?

Works efficiently ,clear communication

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Oxfordshire

How has Emma Baird helped you?

Emma has been brilliant! I find choosing a morgage quite daunting,so far this has been a stress free process thanks to the advice we have recieved. Nothing has been to much trouble and Emma and her team are always on hand to ask questions.

What could they have done better?

I genuinely can't think of anything so far.

Review from verified client

November, 2014

Overall

Advice

Service

Value

Based in Aberdeenshire

How has Emma Baird helped you?

Emma is great at keeping complicated things simple and making challenges along the way seem manageable - all done with a great positive attitude and happy to help personality. She took a very demanding set of circumstances for me and pulled it out the bag when I had been let down elsewhere previously. Faith restored in mortgage advisors!! Great communication throughout the entire process and was really patient to understand my circumstances and help find a solution. Could not recommend her services highly enough, thanks again Emma!