Carol Smith

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

Me and my partner were looking to buy our first home

How has Carol Smith helped you?

Carol and the team helped us secure a mortgage and also put insurance in place

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing at all

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

Sought advice from Carol when deciding whether we would buy a house or not. Carol supported us through the process when viewing properties and then when we found out perfect property Carol supported us with the mortgage and life insurance

How has Carol Smith helped you?

Carol has helped more than she would probably realise. I never had intentions of having a mortgage, however as our family grew and cost of living increased sky rocketing rental costs. We agreed to look into buying a house. Carol completed initial consultation, and talked us through our mortgage options. We viewed a number of properties over a span of 18 months and Carol supported us each time with queries when viewing properties. When we found our house Carol was so much help through the process from very start to finish. She talked me through a number of different mortgage options, deposit options. We received an amazing mortgage offer in this current financial landscape. Carol also talked us through a variety of insurance options. I received a skin cancer diagnosis in 2020. Whilst I have been discharge from the service for the past 4 years now with no concerns, when previously looking at life insurance I have been declined. When buying our house a close colleague was diagnosed with stage 3 breast cancer. I realised the importance of critical illness cover. So Carol followed this is for us, as our information went to the underwriters. Carol was able to arrange full life insurance for both my partner and I for a really reasonable price. Especially given our health history. M Whilst awaiting completion Carol made recommendations for other services we required, she answered all my questions, Helen would check in with me weekly. Without Carol and Helen I am not sure we would have ever bought a house.

Have you seen the outcome you were hoping for?

Yes, and it's even better than I had hoped for. Financially after buying a house I expected my disposable income to significantly reduce. This has absolutely not been the case/ we received a really good interest rate, and were able to get life insurance at the best possible price given the circumstances. In addition, it has been a difficult process buying a house, having a full time high pressured job, 2 school age children and caring responsibilities for family, often finding time outside of day to day is difficult. I felt so supported by Carol and Helen and knew they were only a phone call away. The were very responsive, caring, knowledgeable, and supportive. The customer service was exceptional. As I said I'm not sure I would be able to say I am a homeowner if it wasn't for Carol.

What could they have done better?

Absolutely nothing!!!!

Please provide a brief comment about your experience with Carol

I found Carol to be friendly, direct, informative, whilst understanding of my personal situation. However, I was advised ESA couldn't be used in equation re mortgage application, but further additional advice said otherwise and on searching this question. In the grand scheme of things, wouldn't affect the overall outcome, but from one who is overwhelmed and totally confused with the situation I find myself in, I'm questioning everything! I tried to leave this feedback on the original feedback form, but wouldn't allow me to go back and when I tried to start again, system said I'd already left feedback. This is the reason for a slight negative in an otherwise positive experience and should not detract from overall 4 Stars, thank you Carol :)

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

Looking to remortgage.

How has Carol Smith helped you?

Yes, tremendously. Completely easy to do, with sound mortgage advice.

Have you seen the outcome you were hoping for?

Yes, completely.

What could they have done better?

Struggling to think of any negatives here. The whole process was done efficiently and professionally from start to finish.

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

I wanted to move house and needed to know what I could borrow

How has Carol Smith helped you?

Carol listened to my reasons for moving and what sort of property I was looking at and in what geographical area. She was realistic in what I could afford. She found me a mortgage that was at a better rate than high street banks

Have you seen the outcome you were hoping for?

Yes, I moved house last week and my mortgage went through with no concerns

What could they have done better?

Nothing