Becky Bates

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

I needed help in choosing a mortgage to purchase a second property that I intend to let out.

How has Becky Bates helped you?

From the initial conversation through to completion of the transaction Becky has been most helpful, knowledgeable, reliable, effective and efficient - a truly valuable combination. Becky always takes the time to explain things clearly and has a great knowledge of the lenders and mortgage products available. Becky and ger administration team always acted promptly and together they are a formidable team.

Have you seen the outcome you were hoping for?

I couldn't be happier with the outcome achieved - the purchase completed very quickly with no hold ups or problems along the way

What could they have done better?

I genuinely believe there is nothing more Becky could have done to improve the experience during my recent house purchase.

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

As a first-time buyer, I needed help finding the best mortgage and understanding how it works. I wasn't having much luck with the service offered by various banks and large mortgage brokers. Becky was recommended to me by a family member.

How has Becky Bates helped you?

Becky has been amazing, she went through everything with me in detail but in a super clear way. I felt and have been in safe hands with Becky and her colleagues. As a first-time buyer and doing this on my own, it was sometimes a daunting and stressful experience, but Becky was supportive and calm throughout the process, which I'm so thankful for.

Have you seen the outcome you were hoping for?

Absolutely. I have a great mortgage deal, much better than I would have been able to source on my own.

What could they have done better?

Nothing. Becky and her team have been brilliant.

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

I was interested in Equity Release but had heard so many bad things about it. I needed to know more about it before making a decision.

How has Becky Bates helped you?

Becky went through the whole secnario, explaining the pros and cons, helping me understand what would happen later in life with the lifetime mortgage.

Have you seen the outcome you were hoping for?

I have gone ahead and released money from my house.

What could they have done better?

Becky (and the Hoyl staff) was brilliant with my case at all times, updating me regularly.

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

We needed an equity release package.

How has Becky Bates helped you?

Becky has helped to find us a provider and has explained all the details to us.

Have you seen the outcome you were hoping for?

yes.

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

Looking to Re-mortgage our rental flat as the existing fixed rate was ending.

How has Becky Bates helped you?

She checked that the mortgage we went with was best overall value for money and met our needs

Have you seen the outcome you were hoping for?

Yes - it's not Becky's fault that interest rates are a tad higher than 2 years ago!

What could they have done better?

Nothing.

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

Looking to remortgage my buy to let property for the first time is several years.

How has Becky Bates helped you?

Secure a good deal on remortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Mortgaging

How has Becky Bates helped you?

Lots and lots

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

I don’t think so

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

Buying a second home

How has Becky Bates helped you?

Securing a mortgage and equity release on main home.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, arranging the finance was by far the quickest and simplest bit of the house buying process. Becky made the whole thing straightforward and rapid.

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

Purchasing a new house for renovation and then remortgaging too

How has Becky Bates helped you?

Endless prompt honest advice regarding the possibilities.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing!

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

Required mortgage advice

How has Becky Bates helped you?

Becky walked me through the process to remortgage my home and buy another property. This took over the course of a year. She also provided me with help on life insurance and income protection to make sure I was fully protected and looked after. Becky was like an old friend by the end, going above and beyond to find me the very best deal and explaining it all really clearly (probably too many times!)

Have you seen the outcome you were hoping for?

Absolutely. I have now bought a second property in an affordable way, which I didn’t think would have ever been possible.

What could they have done better?

Nothing. Becky went above and beyond and nothing was too much trouble.

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

Buy to let mortgage

How has Becky Bates helped you?

Searched the market to find the best suitable buy to let mortgage for my requirements.

Have you seen the outcome you were hoping for?

Yes and spared me the time to help with any issues that arose.

What could they have done better?

Nothing !

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

Repeat customer due to repeated excellent service !

How has Becky Bates helped you?

Found us a mortgage product

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I doubt it ….

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

Remortgage of buy-to-let property

How has Becky Bates helped you?

Researched and presented multiple options, she also found the best option for each property.

Have you seen the outcome you were hoping for?

Yes, the outcome was exactly as I requested.

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

we wanted advice and rates for a let to buy mortgage and also a mortgage to purchase another home. Also is currently dealing with life insurance for us.

How has Becky Bates helped you?

She went above and beyond to find us a mortgage after one company would not give us the mortgage. She secured 2 mortgages for us which has enabled us to rent our house out and purchase another home for ourselves.

Have you seen the outcome you were hoping for?

Yes.

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

We have recently moved house and needed advice on transferring our mortgage

How has Becky Bates helped you?

Becky Bates was very knowledgable and helped us understand all our options for transferring and setting up our mortgage. She was very responsive to emails and answered all our questions clearly. They even sent a congratulations card when we moved into our new home which was a lovely touch.

Have you seen the outcome you were hoping for?

Yes. The mortgage was arranged and set up by Hoyl.

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

first time buyers looking for mortgage advice

How has Becky Bates helped you?

Becky helped me and my partner set up a joint mortgage together. We where first time buyers with little knowledge and Becky was fantastic from start to finish in helping us achieve this.

Have you seen the outcome you were hoping for?

Yes we recently completed our house purchase and can't thank Becky enough for all her hard work.

What could they have done better?

Nothing

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

I wanted to release some of the equity in my home

How has Becky Bates helped you?

Becky explained the whole process excellently. Told me the fors and aginsts and then found a very good deal for me

Have you seen the outcome you were hoping for?

Absolutely. I have everything that I asked for.

What could they have done better?

No. Becky was so patient and went the extra mile to help me.

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

We were first time buyers looking to purchase our first family home

How has Becky Bates helped you?

We chose Becky as she came highly recommended. Being first time buyers, we knew nothing about buying a house - Becky was very patient in explaining everything as many times as we needed her to. Her advice was so valuable and helped us massively when making big decisions. She often provided multiple options and explained through each one which helped us to understand the process.

Have you seen the outcome you were hoping for?

Yes - we’ve officially completed and I could not be happier with the service from Becky. Have been and will continue to recommend to anyone who needs help!

What could they have done better?

Nothing - I was so pleased.

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

Required a mortgage for a second home purchase.

How has Becky Bates helped you?

Becky found two mortgage companies who would offer us a short term mortgage.

Have you seen the outcome you were hoping for?

Yes, most definitely, our mortgage has been offered and accepted, our contracts exchanged, and we completed yesterday. Could not have asked for better service, Becky was very thorough and nothing was too much trouble, she even kept in touch with us when she was on annual leave.

What could they have done better?

Absolutely nothing, the whole team at Hoyl Independent Advisors Limited were fantastic, we had immediate response to emails, and they kept us up to date with everything going on. No hidden extras, just the one fee upon completion.

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

Mortgage expiries requited help i choosing new policy under complex circumstances

How has Becky Bates helped you?

Extensive professional advice

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing i can think of

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

Sorting a mortgage for a new property whilst still having 2 houses to sell and possibly needing a bridging loan.

How has Becky Bates helped you?

She went out of her way to make sure we did not loose the property.

Have you seen the outcome you were hoping for?

Yes we got the house after a very stressful 8 months and a lot of work from Becky.

What could they have done better?

Nothing she was amazing.

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

I wanted to mortgage my house as a solo buyer as separate from ex, and bank would not let me have a mortgage on my own.

How has Becky Bates helped you?

She offered advice and guidance, in a easy and understandable manner. She has offered advice on home and personal insurance which I was unaware of.

Have you seen the outcome you were hoping for?

Yes I have successful been able to mortgage my home with just my salary.

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

We were looking for a mortgage that would enable us to own a second property as an investment

How has Becky Bates helped you?

Becky was very informative. She was honest and open with us - given our age group. She worked relentlessly to find us a mortgage company that would service all of our needs, based on facts.

Have you seen the outcome you were hoping for?

In terms of securing a flexible mortgage - yes.

What could they have done better?

Nothing. Becky has been very thorough and professional.

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

My wife and I were buying our first home. We sought Becky's advice in arranging a mortgage.

How has Becky Bates helped you?

Becky was brilliant throughout the whole process. She set us up with an excellent mortgage and the related protections. She has always been a joy to work with - so professional, knowledgeable, helpful, kind and considerate. I would recommend Becky to anyone - she's fantastic.

Have you seen the outcome you were hoping for?

Absolutely. We're very pleased with the outcome.

What could they have done better?

Genuinely nothing. I couldn't fault the service that we received from Becky.

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

Mortgage review

How has Becky Bates helped you?

Achieved a new and favourable deal

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Becky worked fast and proactively.

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

I was looking for help finding an affordable mortgage for my first home.

How has Becky Bates helped you?

Becky was a great help, providing several options with real consideration towards my circumstance, securing me a great mortgage as a first time buyer.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Becky was great throughout.

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

Moving house

How has Becky Bates helped you?

Sourcing an appropriate mortgage and insurance policies

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. She and her team provided excellent service.

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

Mortgage

How has Becky Bates helped you?

Becky has been fantastic. Becky is always happy to answer questions. She made the whole process stress-free. Very friendly and professional.

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

Nothing. Becky went above and beyond to help us.

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

Looking for a mortgage for a holiday home

How has Becky Bates helped you?

Helped me find the right 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 see what was available to me.

How has Becky Bates helped you?

I provided Becky with what information she needs to enable to search the market and get the beat product.

Have you seen the outcome you were hoping for?

Yes, definitely. I'm due to remortage next year and will definitely be asking for Bexky's assistance.

What could they have done better?

Nothing. Becky helped me find the best mortgage for me and my partner. She was professional and the process went very smoothly.

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

I was looking for advice on arranging life and critical illness cover for me and my family

How has Becky Bates helped you?

Becky was very knowledgeable and helpful. Not only was she flexible with times to call me to discuss this, she took time to really listen to and understand my needs. She looked at the bigger picture and rather than just offer me what i thought i needed she discussed mine and my family's longer term goals before recommending to me the insurance products i needed

Have you seen the outcome you were hoping for?

Yes completely. I now have sufficient life and critical illness cover within my budget for me and my family

What could they have done better?

Becky did a great job and I have already recommended her to friends and colleagues.

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

I was looking to buy my first property and wanted help from someone who knew this area.

How has Becky Bates helped you?

She advised me of the route that buying a property entails and the nuances of what to expect which was invaluable for someone who had not encountered this type of purchase before.

Have you seen the outcome you were hoping for?

Yes I was able to purchase my first property.

What could they have done better?

N/A

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

Buying our first home and unsure of the process - needed guidance on the best products available too.

How has Becky Bates helped you?

Becky is approachable, friendly and hugely knowledgable. She is super flexible with telephone appointments and really does her best to find the most suitable products for you.

Have you seen the outcome you were hoping for?

Definitely

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

Buying a house and needing a mortgage and life insurance.

How has Becky Bates helped you?

Find us a mortgage.

Have you seen the outcome you were hoping for?

We have had our mortgage nearly 5 years now.

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

Buying my first property.

How has Becky Bates helped you?

She offered independent mortgage advice, and was able to talk to me at convenient times as I have a busy career. When there was a hiccup and it seemed like I wasn't going to be able to buy the property I loved, she and her team worked super hard to find a solution.

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?

Me and my wife wanted to remortgage.

How has Becky Bates helped you?

Becky found us a great deal and made everything so easy to understand and painless.

Have you seen the outcome you were hoping for?

Yes our financial state is the beat it has been in years.

What could they have done better?

I have nothing to add to this just a brilliant all round service and advice.

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

renewing a mortgage

How has Becky Bates helped you?

finding a interest only mortgage with the CAMBRIDGE bs

Have you seen the outcome you were hoping for?

yes

What could they have done better?

perfectly happy

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

To help finding the right mortgage for us

How has Becky Bates helped you?

She found us the right mortgage

Have you seen the outcome you were hoping for?

Yes we are happy with the outcome

What could they have done better?

Not sure she could have done better

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

We were due to remortgage and I was aware that Becky was very good.

How has Becky Bates helped you?

Becky arranged everything for us and got us a really good deal.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing, Becky is very thorough.

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

Moving house and sought advice on mortgages available.

How has Becky Bates helped you?

Becky identified our personal needs from a mortgage and searched the market for the most suitable ones for us. Becky talked us through the various products that match our requirements discussing the terms etc of each one in order that we could make an informed decision on which one to go ahead with. Becky was instrumental in achieving a fantastically quick approval; keeping us fully informed throughout.

Have you seen the outcome you were hoping for?

100% yes - Becky throughly explained the products available on the market after carefully listening to our personal requirements, and plans we wanted from a mortgage. Would completely without reservation recommend Becky, she was; friendly, approachable, patient with us and all our questions and professional throughout.

What could they have done better?

Nothing comes to mind. Of all our interactions with people during the process of moving house (estate agents, solicitors etc) Becky stood out head and shoulders above the others. Becky was proactive in getting a speedy outcome for us and we had full confidence in her, where as we had to chase our solicitors and the estate agents constantly. Thank you Becky!

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

I needed to finance both residential and a BTL portfolio

How has Becky Bates helped you?

She dealt with every aspect of all my transactions

Have you seen the outcome you were hoping for?

She has consistently gone above and beyond for me myself and people I have introduced her to.

What could they have done better?

Nothing. She is perfect.

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

Moving house

How has Becky Bates helped you?

Arranged mortgage and life insurance

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?

Mortgage

How has Becky Bates helped you?

In every way, advice, assiatance & obtaining the product.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

To be honest, nothing. So helpful.

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

Mortgage advice to purchase our home.

How has Becky Bates helped you?

Becky was always so helpful, found us a great mortgage and advised us on sensible insurance choices.

Have you seen the outcome you were hoping for?

Yes, was able to get the home we wanted.

What could they have done better?

Becky was great.

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

This was my first time buying a house and was looking for some support to get through the process of applying for mortgages and getting a good deal.

How has Becky Bates helped you?

Becky reviewed my situation thoroughly and provided options for me to consider to make a decision.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I think the services provided were perfect. I wouldn't change anything.

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

Ongoing financial advice for construction and investment projects

How has Becky Bates helped you?

Sourcing the most appropriate lenders

Have you seen the outcome you were hoping for?

Yes, on every occasion !

What could they have done better?

I cant suggest anything at this moment of time. Her service is as good as I've ever known from a financial advisor (and I've used a lot!)

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

I needed to move house.

How has Becky Bates helped you?

Becky helped me by understanding our unusual financial circumstances and using her expertise to find the most suitable lender. She analysed a number of offers from various banks in great detail and saved us time by narrowing down the options for us. Ultimately we chose a lender that delivered what we needed. We also needed to remortgage a few years later and she helped with that. Along with her colleagues we also discussed and implemented a pension plan.

Have you seen the outcome you were hoping for?

Yes we're happy with our financial situation.

What could they have done better?

There was never a time when I was disappointed with the service Becky provided so nothing to add to this section. She went above and beyond. I wish I could say the same about the solicitors.

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

I needed help finding the right mortgage for me

How has Becky Bates helped you?

Becky did an amazing job at helping us get a mortgage for our first home. The knowledge, perseverance and effort put in by Becky and her team made her services well worthwhile.

Have you seen the outcome you were hoping for?

Yes we moved into our house!

What could they have done better?

I couldnt fault the service

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

I wanted Equity Release explained fully and simply. Becky did that efficiently and in a very friendly way. She also agreed not to pester me like other Equity Release sales organisations. I know that when and if I need it, I shall contact Becky to organise it for me.

How has Becky Bates helped you?

By making me fully aware of the situation with regard to my specific needs.

Have you seen the outcome you were hoping for?

Yes completely. I can dump all the other emails, leaflets, promotions and flyers from all the other sales organisations.

What could they have done better?

She has made it possible for me to ignore all mention of Equity Release fro any other financial advisor.

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

Our income was not straight forward and as such we were unsure how to go about getting the best rates and lending for our circumstances.

How has Becky Bates helped you?

Becky helped us through the full application, ensuring affordability and all documents were in order. We had a couple of snagging points, but with Becky’s advice and guidance we were able to overcome them.

Have you seen the outcome you were hoping for?

The outcome we received was perfect, allowing us to get the mortgage and home we were after, at a good rate.

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

Finance for new house

How has Becky Bates helped you?

Advice on bridging loan and then a mortgage

Have you seen the outcome you were hoping for?

Yes, we managed to buy our dream house

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

Purchasing a property

How has Becky Bates helped you?

She gave us a few great Mortgage options

Have you seen the outcome you were hoping for?

Yes

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

My husband works off shore

How has Becky Bates helped you?

Becky was super helpful in finding our mortgage, as my husband works off shore the financial circumstances are different. Becky navigated and negotiates to find us the mortgage which suited us.

Have you seen the outcome you were hoping for?

Totally! Becky also follows up to help us when our fixed periods are up.

What could they have done better?

Nothing really, really good advice.

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

My parents were releasing equity from their house to help me buy my first home.

How has Becky Bates helped you?

she helped with everything from releasing funds to finding me a great mortgage.

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?

Wanted to remortgage. Needed to arrange life insurance.

How has Becky Bates helped you?

Very helpful friendly advice. Went out of her way to research our needs and present us with options.

Have you seen the outcome you were hoping for?

Yes!

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

My husband and I were first time buyers and needed a mortgage advice.

How has Becky Bates helped you?

Becky was our mortgage adviser.

Have you seen the outcome you were hoping for?

Yes