Reviewed for

Insurance and Protection ( 33 )

Mortgages ( 92 )

Equity Release ( 4 )

Retirement income (annuities, drawdown) ( 1 )

Investments and Savings ( 1 )

Financial Planning ( 1 )

( 1 )

Reviewers' assets

£500k+ ( 3 )

£200k - £500k ( 5 )

£100k - £200k ( 4 )

£50k - 100k ( 6 )

Up to £50k ( 45 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

We wanted to move house

How has Carol Smith helped you?

Carol went through all the details thoroughly and was happy to answer any questions we had.

Have you seen the outcome you were hoping for?

Yes definitely!

What could they have done better?

Nothing fabulous service

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

We needed help selling our shared ownership property and purchasing another shared ownership property with a new mortgage.

How has Carol Smith helped you?

Carol & co were amazing from start to finish. From pre-application advice, through getting our offer and with helping chase solicitors through to completion. Our journey to completing was extremely bumpy due to external factors, but Carol and her team kept in touch with us constantly, reassuring us and advising us along the way. I cannot recommend them enough.

Have you seen the outcome you were hoping for?

Yes! We completed last month.

What could they have done better?

Nothing at all, they were wonderful.

Carol's reply

You're welcome. We loved looking after you and helping you through all of the bumps in the road. x

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Lancashire

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

Never having a mortgage before, needed a lot of help and guidance

How has Carol Smith helped you?

From being first time buyers and very nervous in what we were getting into. She made us feel at ease from the off, and offered such much advise and guidance. And the communication was always at hand

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

Absolutely nothing

Carol's reply

Thanks so much, we loved looking after you.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

We were first time buyers clueless on what options there were out there that were most suitable for us.

How has Carol Smith helped you?

Carol was recommended to us after she helped with my parents. Carol is super knowledgeable and approachable- you can tell she genuinely cares about her clients. Carol was able to fit appointments around our busy schedules and was always quick to reply to emails throughout the whole process, with advice that always made sense. As well as this we had weekly check ins with Helen who was always keen to let us know any news she had heard from our solicitors and chase anything outstanding.

Have you seen the outcome you were hoping for?

Definitely!

What could they have done better?

Nothing! Thank you for making this process so easy for us.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Cambridgeshire

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

First time buyer

How has Carol Smith helped you?

Immensely. As a first time buyer both Carol and Helen were more than happy to liaise between Estate Agent and solicitor to ensure everything stayed on track

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

A cup of tea and a biccie wouldn't have gone amiss.... But might have been cold by the time they got here as they're 200 miles away

Carol's reply

Thanks Nic, Cup of tea is waiting for when you make a trip up North!

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

I wanted to remortgage and also do a transfer of equity.

How has Carol Smith helped you?

Carol and Helen have helped us massively. Always in contact with us, always available to support. Fantastic service.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all, Carol and Helen have been first class.

Carol's reply

Aww Donna and Mike we have loved looking after you! It has been a pleasure. x

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

I am a first time buyer and was advised to contact Carol by my sister, she was brilliant,

How has Carol Smith helped you?

She made the whole process so much more simple and easy to follow

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing

Carol's reply

Thanks so much for the review Max, I loved looking after you and see you again in a few years

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Surrey

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

We were buying a house and friends of ours used Carol as their broker and recommended/

How has Carol Smith helped you?

Clarity and communication. Buying a house is a detailed and lengthy process and open and clear lines of communication are vital. Carol delivered this faultlessly.

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing.

Carol's reply

Thanks so much Hugh. It has been a pleasure to look after you!

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

We were looking to release equity from a family members home to help them retire following an illness

How has Carol Smith helped you?

Carol was incredible, she researched options and advised us on the best outcome, personable, friendly & fully aware of the sensitive nature of the case. Amazing service

Have you seen the outcome you were hoping for?

Yes, we were given an option we didn’t think was even possible

What could they have done better?

Absolutely nothing

Carol's reply

Thanks very much - we loved looking after you.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Needed help purchasing a property. Identified an apartment. Strapped for time, needed help on all the particulars that come with a mortgage and purchase

How has Carol Smith helped you?

At the start, was warm and friendly and showed she would go the extra mile at any time needed. I felt confident from the off this was the services I needed and made the apartment purchase and insurances much smoother having her involved and got me some good mortgage rates I might have struggled with on my own

Have you seen the outcome you were hoping for?

Absolutely

Carol's reply

Aww thanks for the fab review David. We loved looking after you. Good luck in your new place!

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in West Yorkshire

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

I just wanted to know how achievable owning my own home would be and how I could get there in the future.

How has Carol Smith helped you?

She has given me expert advice throughout my process, with my needs and limitations in mind at all times. She has helped me buy my first property when I didn’t believe it was possible!

Have you seen the outcome you were hoping for?

Yes, 100%.

What could they have done better?

Nothing.

Carol's reply

Thanks so much Annie, I loved looking after you. I hop0e the home brings you years of joy x

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Isle of Anglesey

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

Been a first time buyer

How has Carol Smith helped you?

Been able to support and advise my get a mortgage and always available for advice

Have you seen the outcome you were hoping for?

Yes, became a 1st time buyer

What could they have done better?

Nothing, excellent service

Carol's reply

Thanks Ffion. We loved looking after you x

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Expert advice and clear guidance on the changes in the mortgage market.

Carol's reply

Thanks so much for the fab review

Repeat review from verified client

July, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

We have not needed Carol’s services in the last 12 months however see would be our first point of call.

Carol's reply

Thanks for the review. Hope all is well your end?

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Manchester

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

We came back to Carol to do our next mortgage for our new home.

How has Carol Smith helped you?

Carol has helped us buy our forever home. She and her team are excellent at their job and gave excellent advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Carol's reply

Thanks for the fab review Sarah! Congratulations on getting your family forever home! x

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

I have been using Carol for many years and the service and advice is excellent.

How has Carol Smith helped you?

Remortgage

Have you seen the outcome you were hoping for?

Yes the outcome and service was excellent.

What could they have done better?

Nothing.

Carol's reply

Thanks Neil. I am glad we have got you all sorted and done for another 2 years!

Repeat review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

She's been supportive of me and my now fiancée in our house move, offering advice when we need it and generally ensuring everything was completed in terms of documentation, ownership and the legal things. She's been fantastic.

Carol's reply

Thanks very much. We lobed looking after you x

Repeat review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

How has Carol Smith helped you since your last review?

Same high standard services from Carol

Carol's reply

Thanks very much ste. It was a pleasure as ever to look after you.

Repeat review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

How has Carol Smith helped you since your last review?

Re morgaging at great tate

Carol's reply

Aww thanks Nora, I hope you and Frank are well and I loved looking after you both.

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

Mortage for a new house

How has Carol Smith helped you?

She offered advice and brilliant knowledge about lenders and products.

Have you seen the outcome you were hoping for?

We got a Mortage offer accepted quickly, communication from Carol was brilliant and she made the process stress free.

What could they have done better?

Nothing.

Carol's reply

Thanks do much! We loved looking after you. X

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

Needed to find/broke a mortgage deal due to a relationship breakdown.

How has Carol Smith helped you?

I needed it to be quick and efficient and needed someone who was an expert at this because I had never had a mortgage before and didn’t understand the process either. I found it all too daunting and really quite frustrating! She held my hand almost through every process, rang me with every update possible even when it was the solicitors job to chase, she would make sure they had chased a communication channels remained open to ensure it was dealt in a timely manner as much as physically possible.

Have you seen the outcome you were hoping for?

Yes, the mortgage/new buy completed after a lot of persistence.

What could they have done better?

Not sure there is anything, she couldn’t have hold my hand much more! Can’t thank her enough for the support as a first time buyer with little knowledge on the process.

Carol's reply

Aww marcelo. Its been a pleasure to look after you and start you on your new journey!

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

i needed to remove my Ex partners name from the mortgage and add a new name on hence forth re-mortgaging the property

How has Carol Smith helped you?

Carol and her team helped us immensely with the transfer of equity and change of ownership details for our home after being recomended by a family member

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing

Carol's reply

Thanks so much Karen. We loved helping you both out.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in Manchester

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

We needed a remortgage

How has Carol Smith helped you?

Carol was incredible. From start to finish she explained everything in terms we could understand and was able to secure us the best possible deal for our remortgage. We could not have done it without her. She was also amazing at keeping the process moving and we never had to chase for anything

Have you seen the outcome you were hoping for?

Yes! We got a brilliant new rate on our mortgage

What could they have done better?

Nothing. Everything was perfect

Carol's reply

aww thanks for the fantastic review. It means the world to us.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

Our old Mortgage was spiralling out of control with the hike in interest rates and we needed to borrow more to enable to do work on the house also.

How has Carol Smith helped you?

Carol has helped us obtain a mortgage with our initial circumstances which have now been cleared and helped us seal a better deal with the added extra money. We are so grateful and thankful. Even through the toughest of times we have had she has been so understanding and helped extra when we needed it.

Have you seen the outcome you were hoping for?

Yes! Most definitely! Hopefully the next one will be more plain sailing! :) We are now able to do all the jobs we planned to our home.

What could they have done better?

Nothing. Everything was spot on!

Carol's reply

aww thanks so much for the fab review x

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in South Yorkshire

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

I was a FTB buyer who wanted advice from a broker

How has Carol Smith helped you?

Helped me find a mortgage + insurance, as well as supporting me as a first time buyer.

Have you seen the outcome you were hoping for?

Carol went above and beyond in helping me through the buying process. She is very experienced and knowledgeable in her field, but is also extremely kind and sympathetic. I never felt silly for asking a question. I did not have much support from family to guide me through the stages so having Carol as a support was a great asset

Carol's reply

Thanks for the fab review Denice. I hope the home brings you years of new happy memories x

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Merseyside

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

Mortgage was due for renewal

How has Carol Smith helped you?

Research best rates and mortgage deals to suit our circumstances.

Have you seen the outcome you were hoping for?

Yes aside from interest rates increasingly nationally , not a lot Carol can do about that!

Carol's reply

thanks for the fab review!

Repeat review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Good realistic advice in relation to the current market situation.

Carol's reply

thanks for the review- we really appreciate it.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Cheshire

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

First time buyers

How has Carol Smith helped you?

She found the best mortgage for us with the best rate. Also advised a brilliant solicitor. Always able to communicate efficiently, no matter the time/day

Have you seen the outcome you were hoping for?

Yes, and more

What could they have done better?

Nothing.

Carol's reply

Thanks for the lovely review. We loved looking after you.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Needed to renew a fixed-term mortgage and Life insurance and didn't feel confident trying to find it myself in the current climate.

How has Carol Smith helped you?

Carol Smith Maria Higginson has been fantastic from start to finish in helping me and my wife find the perfect mortgage for us. They were always available to answer any questions, knowledgeable, friendly and filled me with trust and confidence.

Have you seen the outcome you were hoping for?

100% and much much more.

What could they have done better?

I can't think of anything they could have done better, as they went the extra mile and nothing was too much trouble.

Carol's reply

Thanks for the fabulous review Craig, It is appreciated

Repeat review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

How has Carol Smith helped you since your last review?

Always available if I needed any help pr advice

Carol's reply

aww thanks

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

We have a portfolio of property

How has Carol Smith helped you?

Carol has helped us build a portfolio of buy to let properties getting good rates and giving sound advice

Have you seen the outcome you were hoping for?

Yes

Carol's reply

Thanks Ian, I love looking after you as ever and love the relationship we have built up over the last 10 years or so

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

We didn’t know what we were doing so needed help

How has Carol Smith helped you?

carol has helped me a lot me and my partner are first time buyers and didn’t have a clue what we were doing and carol made everything look very simple and easy

Have you seen the outcome you were hoping for?

Yes we are very happy

What could they have done better?

Nothing

Carol's reply

Thanks Keenan, we loved looking after you.

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Looking for a Morgage

How has Carol Smith helped you?

She has always been available to answer calls and questions and had the best advice. Couldn’t of asked for a nicer person to help us in getting a new morgage.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing everything 5*

Carol's reply

Thanks for a fantastic review Lisa, we loved looking after you, Kevin and the family.

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

1st Time Home Buyers Mortgage

How has Carol Smith helped you?

Carol advised, searched and secured our Mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

Carol's reply

Thank you so much Sam for the fantastic review, me and Maria have loved looking after you!

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage renewal

How has Carol Smith helped you?

She has provided us a new mortgage and also life insurance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, service was excellent

Carol's reply

thanks very much Finton. We loved looking after you!

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

I needed a small equity release from my house and Carol was recommended to me.

How has Carol Smith helped you?

She visited me at home, she secured a small mortgage that I was delighted with, even when the solicitors went over time and the mortgage deal expired she went straight back to the lenders and sorted it out in no time,

Have you seen the outcome you were hoping for?

Yes I have.

What could they have done better?

Nothing, Carol was amazing through the whole process, always at the end of a phone, always available.

Carol's reply

Thanks for a fabulous review rose, I loved looking after you.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Remortgage of a buy to let property.

How has Carol Smith helped you?

Very professional - clear. timely advice.

Have you seen the outcome you were hoping for?

Absolutely, Carol helped me get a great mortgage with her knowledge of the market.

What could they have done better?

Nothing - they were brilliant.

Carol's reply

Thank you so much David. It has been a pleasure to look after you both.

Repeat review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Myself and my husband needed additional capital to complete another project. Carol took the time to understand our situation and helped us to release some equity from an existing property. I wouldn't go anywhere else now, Carol will always be my first point of call.

Carol's reply

Thankyou Mandy, It was a pleasure to help you and thankyou so much for the lovely words.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

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

We'd been looking to remortgage to pay for a Granny Annexe for my wife's parents.

How has Carol Smith helped you?

Carol was recommended by a friend and has been amazing throughout the process. She explained all the options available to us, helped us choose the most suitable and then made it all happen. Superb!!

Have you seen the outcome you were hoping for?

Absolutely - very happy.

What could they have done better?

Nothing

Carol's reply

Fantastic. Thank you so much Paul. We loved looking after you.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

As first time buyers, we wanted someone to help guide us through the mortgage application process and offer practical and professional support to ease the process in any way possible.

How has Carol Smith helped you?

Carol and Nat have both helped me and my boyfriend in every step of buying our first home. From budgeting advice, to insurance policies, savings to mortgage applications. They have been with us every step of the way and we honestly couldn't have done the process so seamlessly if it hadn't of been for their support.

Have you seen the outcome you were hoping for?

We got our offer accepted, mortgage application accepted and have just moved into our first home! The support and services were amazing and we received above and beyond what we initially hoped to get from Carol and the team.

What could they have done better?

Other than helping us pack boxes, there literally wasn't any step of the process they weren't on hand to support me and my boyfriend with! We really can't thank Carol and Nat enough.

Carol's reply

Thanks for the amazing review, we loved helping you both

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

na

How has Carol Smith helped you?

Have been using Carol for many years now. Can not fault the service and the advice she has given me, I always recommend friends and family to use carol.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Carol's reply

Thanks Ste, We appreciate the great review.

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in Merseyside

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

Re morgaging changing providers New life insurance

How has Carol Smith helped you?

She sorted out new morgage and life insurance Wouldnt use anyone else

Have you seen the outcome you were hoping for?

Yes extreemly happy with outcome Now have great morgage And life insurance sorted

What could they have done better?

Nothing Couldnt have hoped for a better service

Carol's reply

Aww thank you so much Nora! Congratulations again

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Orkney

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

We were first time buyers looking for a property and had no idea what to do to move forward!

How has Carol Smith helped you?

Carol and Natalie were fantastic! They arranged virtual meetings at which Carol took the time to explain the process to us and find out about our situation to assist with finding a mortgage that worked for us. We have travelled a lot so had lots of information to hand over which was never too much trouble. All documents were sent over quickly for us to peruse. Upon Carol taking a break, Natalie stepped in and she was great with chasing the lender and getting the ball rolling. A final check-in call was made which was really nice. Carol Smith Mortgages really helped us through this process and assisted with other products that we needed.

Have you seen the outcome you were hoping for?

Yes!!! Really quickly too.

What could they have done better?

Nothing, stellar service throughout

Carol's reply

Aww thanks for the amazing review!

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Divorce

How has Carol Smith helped you?

Carol has been amazing never gave up always reassured me not to worry and we would get there.

Have you seen the outcome you were hoping for?

Yes even better when I’ve taken 4 yrs of my mortgage.

What could they have done better?

Nothing.

Carol's reply

you're so welcome!

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

We where looking for mortgage advice for buying our first home.

How has Carol Smith helped you?

Carol really helped us understand the processes of buying a house as well as exploring our options such as shared ownership,new home, etc. Carol got our mortgage in principle figure and applied on our behalf to the bank where our mortgage was accepted. Carol was very patient and listened to our concerns before talking though our options and a variety of solutions.

Have you seen the outcome you were hoping for?

Yes, we have officially bought our first family home.

What could they have done better?

N/a

Carol's reply

Aww thank you so much Beth, it's been our pleasure looking after you and if you need anything at any time, you know where we are. x

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Moving home

How has Carol Smith helped you?

Carol found the lowest interest rate mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing the service was 5*

Carol's reply

thanks hayley,

Repeat review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Carol has kept in touch and I would not hesitate to go back to Carol when the mortgage is due for renewal again

Carol's reply

Thanks Lyndsey

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage information

How has Carol Smith helped you?

Carol was knowledgeable and explained the procedure in a really easy way for me to understand. I'd never used an independent broker before, like many I've always gone to the bank. I'm so glad I did. Carol was always on hand to answer any questions and always got back to me within minutes rather than hours. If that was the bank it would have been weeks! These financial decisions are really important and must be done correctly, I trusted Carol from the word go we had a friendly and very professional relationship and I was not disappointed. Thank you.

Have you seen the outcome you were hoping for?

Yes I did.

What could they have done better?

I could not fault the service.

Carol's reply

You are welcome Tony and I am made up to have been able to help you and your family.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Merseyside

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

Buying my first home

How has Carol Smith helped you?

She offered me full support as a first time buyer. Buying a house first time and on your own can be a scary thing however Carol and her team have been there every step of the way offering me the best advice.

Have you seen the outcome you were hoping for?

Yes, I now have a new home ?

Carol's reply

Aww Laura, you are so welcome and we have loved looking after you. See you in a few years when you're due for renewal x

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

I needed to re-mortgages

How has Carol Smith helped you?

As a self employed person is not so easy to just change mortgage. Carol was very efficient and made the process easy to understand and she dealt everything in a prompt and speedy manner.

Have you seen the outcome you were hoping for?

Yes the outcome was excellent and the process have been compelted and I look forward to speaking with her when my fixed terms is up in the coming years.

What could they have done better?

Nothing

Carol's reply

You are really welcome

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

We were not happy with our old advisor. We felt like we had to chase them constantly. Carol was recommended to us for our re-mortgage.

How has Carol Smith helped you?

She searched the market to get us the best deal we could for our re-mortgage.

Have you seen the outcome you were hoping for?

Yes we got a good deal and saved some money.

What could they have done better?

Nothing!

Carol's reply

You are welcome

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

We were first time buyers and had no clue what we were doing!

How has Carol Smith helped you?

Carol talked us through the process of applying for a mortgage and the whole process of what happens when you’re mortgage is approved.

Have you seen the outcome you were hoping for?

Absolutely! We are more than happy with all the support and advice Carol has given us. From our first zoom meeting discussing what a mortgage is and the process of applying right until the end making sure we have the keys to our house. Nothing was too much trouble for Carol.

What could they have done better?

Nothing! Everything was fantastic, the advice, the support and how friendly Carol and Natalie are.

Carol's reply

You are really welcome. Thank you so much for the wonderful review.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Once again Carol has gone above and beyond. Always ensures that the BTL portfolio I run is firing on all 4 cylinders. Carol does regular checks on my BTL mortgages to ensure I am on the best deal.

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Carol was amazeing i didn't have to do much she helped me that much sorted it all for me qe was very happy with the service we got and still get

Carol's reply

You are welcome x

Repeat review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

How has Carol Smith helped you since your last review?

Excellent follow up service

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

First time buyer

How has Carol Smith helped you?

Carol and Natalie have been amazing!! I'm a first time buyer who didn't have a clue where to start and every step of the way they've provided me with the best information and help. I couldn't speak more highly of them!

Have you seen the outcome you were hoping for?

Yes! I get my keys Friday

What could they have done better?

Nothing! They staying in touch, gave me the best information which was specific to me and helped me every step of the way. Going above and beyond!

Carol's reply

Aww Abbie, I am made up for you. I hope the house brings you years of joy x

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Newport

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

Looking for a mortgage for our house move.

How has Carol Smith helped you?

Carol and Natalie were able to help secure a great deal on the mortgage and provide needed insurances. Service provided was above and beyond what we expected and contact was spot on.

Have you seen the outcome you were hoping for?

Yes and more, we have had a very tricky move but support from Carol and Natalie has been vital to get us to completion.

What could they have done better?

Honestly I don't think they could have done better, service was above and beyond what we expected. If only all parts of the home move process worked as well and communicated as well as Carol and Natalie moving wouldn't be anywhere near as stressful.

Carol's reply

thanks so much Simon and Claire. It's been a pleasure to look after you both

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

I was a first-time buyer and did not have the time nor the knowledge/experience to go looking at different mortgage rates from the bank

How has Carol Smith helped you?

Helped me through my applications and first-time buyer government loan, especially when difficulties arose. Kept in constant communication with me about the status of my application too

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - they went above and beyond to help.

Carol's reply

You are welcome. Congratulations again. If you need anything, you know where we are - take care x

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Moving house looking for help and advice with mortgage offers and a change to life insurance.

How has Carol Smith helped you?

Secured a great mortgage offer with low interest rate and helped to find the right life insurance for our growing family.

Have you seen the outcome you were hoping for?

Yes couldn't have done it without her. Everything seemed too far out of reach but now we are settled into our dream home.

What could they have done better?

Honestly nothing. Fantastic customer service, fantastic communication.

Carol's reply

Thanks Gemma. Congratulations on the new home!

Review from verified client

October, 2021

Overall

Advice

Value

Service

Based in Lancashire

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

I needed to release some equity from my property for a loft conversion

How has Carol Smith helped you?

Carol handled everything except the signing of the paperwork and was always available for advice

Have you seen the outcome you were hoping for?

100%

What could they have done better?

Nothing

Carol's reply

Thank you so much and congratulations on your new bundle of joy x

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

I needed to renew my fixed deal mortgage

How has Carol Smith helped you?

she renewed it

Have you seen the outcome you were hoping for?

yes

What could they have done better?

nothing - she was brilliant

Carol's reply

thanks.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Property purchase

How has Carol Smith helped you?

Carol assisted in securing our 1st mortgage on our forever home

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Carol's reply

thanks very much,

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Buying first home

How has Carol Smith helped you?

Secured my mortgage for me and gave me advice right the way through the process, which was invaluable as a first time buyer.

Have you seen the outcome you were hoping for?

Absolutely

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

House purchase

How has Carol Smith helped you?

Locate mortgage product

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Carol's reply

Thanks Andy, We loved looking after you and getting you back on the property ladder.

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Myself and husband were venturing into the HMO market and were struggling to find a mortgage so reached out to my network and Carol's details were forwarded.

How has Carol Smith helped you?

This is the first time I've used a financial adviser in an only time. I am confident enough to arrange my own mortgages but Carol turned out to be the best "wing (wo) man" ever. My mortgage application was during the stamp duty holiday, resulting in solicitors being busy. It turned out I had an incompetent solicitor and this is where Carol had my back. Each week Carol had my application on her list and rang around to see progress. When we both realised the issue Carol raised a complaint on my behalf and got everything moving again. Even on completion day when I was pulling my hair out, Carol rang me to see how I was doing and offered her services.

Have you seen the outcome you were hoping for?

I was so surprised to witness the service Carol offered. At one point I ask Carol why she got so involved in the process and it was all about getting a win win for all parties. Carol was worth every penny!

What could they have done better?

A glass of wine when the deal was done.

Carol's reply

Thank you so much for a fabulous review. I really appreciate the positive feedback. I hope the new house is going well.

Review from verified client

April, 2021

Overall

Advice

Service

Value

Based in Manchester

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

I needed a remortgage as my fixed rate deal was coming to an end

How has Carol Smith helped you?

She asked what I needed, looked at all options possible. Then looked at the best way for me to make the savings I wanted.

Have you seen the outcome you were hoping for?

Due to my house being valued £10,000 less than my expectation, what I wanted wasn't an option, I didnt think I would have many options because of this Given this very unexpected info Carol guided me through to get a much better deal than I thought i would get.

What could they have done better?

Carol couldn't have done anything better. She had to give me bad news about the house valuation and did this really well. She reassured me and proved that there were other options available. She is tactful, honest and makes sure you have all the answers you need. Nothing seemed to be too much trouble for her.

Carol's reply

Thanks so much for a fabulous review. Its been a pleasuregetting you sorted. Nearly there now!

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Buying my own house

How has Carol Smith helped you?

kept me calm during all the proceedings for buying a house, communicated well, fully explained the whole process. Always quick to answer queries and kept me in the loop with everything going on. Showed how each of the choices I made were the best options for me.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

Carol's reply

Thanks Katie for the lovely words! I am made up for you and I hope the house brings you years of joy x

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage deal due for renewal

How has Carol Smith helped you?

Carol gave up to date advice about mortgages allowing us to make a choice about the best deals on the market. Carol did all the hard work making things stress free and easy to understand

Have you seen the outcome you were hoping for?

Absolutely I have a new mortgage with an interest rate I am really pleased with

What could they have done better?

Nothing, everything was completed online and via a couple of Zoom chats! Her referral to the solicitor also made this very easy for us and totally stress free

Carol's reply

Thanks lovely! I am made up your happy with everything. Good luck getting the bathroom done and speak to you when your other half is ready to buy x

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

My Current mortgage deal was due to expire and i needed to make new arrangements so i didn't revert to the lenders SVR

How has Carol Smith helped you?

I have used Carol for my previous mortgage, and was made up with the advise and Support she provided me. Carol carried out a full review and took full control of everything, not only did she find me the most cost effective deal, she also took control and stayed with me during the legal process which i found extra helpful. I was able to reduce my outstanding term further, but also reduce my monthly mortgage commitment

Have you seen the outcome you were hoping for?

Yes, everything is in order and, i am now just waiting for my new deal to take over at the end of this month.

What could they have done better?

Carol couldn't have been more helpful, she remained professional and in control of the whole experience from start to finish, taking charge off all associated 3rd parties. Being a very busy person myself with very little time, carol took control and made this whole experience stress free once again, Carol will remain my mortgage consultant for all future applications and id have no hesitation recommending Carol to anyone who has any mortgage related enquiries. Thanks Carol

Carol's reply

Ha ha ha ha. Bloody traffic lights thanks! Thanks for the review! x

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

I needed a financial adviser in order better manage my property portfolio. In addition to this i needed advice on how best to optimize my financial status when selling my own home.

How has Carol Smith helped you?

Carol was both informative and supportive through all of the processes of refinancing my property portfolio and the sale of my private residence. Carol offers a personal touch and helps alleviate so of the stresses associated with personal financing.

Have you seen the outcome you were hoping for?

I am very satisfied with the outcome especially during the current Covid crisis. Carol ensured that whilst the processes were more protracted the result were as advised by Carol.

What could they have done better?

I don't believe that there was anything in particular that i felt could be improved. Carol's strength is that she attentive and i think this carries well with clients and offers much needed reassurance.

Carol's reply

Thanks for the fantastic review Ian and Lesley! I you are settling in well onsite.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Lancashire

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

I was moving house and have had previous experience using Carol as a Mortgage Adviser and the previous service received was excellent.

How has Carol Smith helped you?

Carol helped us secure a mortgage on a fantastic rate as well as providing life insurance cover. Carol is always available to answer any queries, and if she's in a meeting she always lets you know and calls straight back. Carol also ensures the progression of the sale is moving forward by chasing round on our behalf.

Have you seen the outcome you were hoping for?

Yes we have moved into our new property.

What could they have done better?

Not really anything I can think of that the adviser could have done better.

Carol's reply

Thanks James! I hope the house brings you and Dan years of Happy memories. Enjoy xmas in your new home and see you guys soon!

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

Remortgaging

How has Carol Smith helped you?

She talked me through the process and provided options going forwards

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

N/A

Carol's reply

you are really welcome Carly, I have loved looking after you through the years!

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

First time buyer

How has Carol Smith helped you?

Carol has been amazing throughout my house buying journey. As a first time buyer with absolutely NO clue she has just been such a fabulous support. Literally answering all my questions, no matter how stupid and explaining everything so simply for me. She's made this whole process so much easier, not sure what I would have done without her! Literally cannot thank her enough.

Have you seen the outcome you were hoping for?

Yes

Carol's reply

Thanks so much Leanne. It was a pleasure looking after you and thanks so much for the review x

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

I was wanting to re finance a property to increase my rental portfolio

How has Carol Smith helped you?

After years of trying and failing to remortgage a property due to a credit issue and my earnings not being massive. I struggled to move forward to increase my portfolio. I met with Carol and felt comfortable straight away and despite just going into lockdown she nailed it for me. Friendly and professional and easy to work with.

Have you seen the outcome you were hoping for?

Absolutely, I am now sitting on a pot of cash ready to purchase my next deal and I have already commissioned Carol for my next refinance exercise so I can move again which is happening as we speak.

What could they have done better?

Don't have any constructive criticism

Carol's reply

Fantastic Tom. Thanks, its been a pleasure to help you grow your portfolio.

First impression from a user who is not yet a client

November, 2020

Overall

Please provide a brief comment about your experience with Carol

Everyone needs a Carol when looking for a Mortgage and Protection! She's fab and knowledgeable

Carol's reply

Thankyou so much! What a lovely review.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Poor credit history , infact hardly any credit history. No deposit , single morher with one income and wanting to buy my council property. I needed a good deal with a fixed term.

How has Carol Smith helped you?

Carol has helped me secure a mortgage on a right to buy. The process was not straight forward but Carol supported me throughout the journey. I highly recommend her she is fabulous and extremely professional and reliable. Thanks Carol

Have you seen the outcome you were hoping for?

Definitely. I am very pleased.

What could they have done better?

Carol went above and beyond for me, I can not fault her

Carol's reply

Thank you so much for your kind words lovely. Stay safe through all of this xx

Review from verified client

November, 2020

Overall

Service

Value

Advice

Based in Cheshire

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

Buying a house for the first time

How has Carol Smith helped you?

She found us the best mortage for us, put a number of insurances (income protection, life and building) in place for us and helped liaise with our solicitors/sellesr to ensure that the purchase remained on track.

Have you seen the outcome you were hoping for?

Yes, we closed on the house last week!

First impression from a user who is not yet a client

September, 2020

Overall

Please provide a brief comment about your experience with Carol

Nothing short of incredible every question answered clearly 100% recommended

Carol's reply

Fantastic. Thank you so much for your kind words Nathanial. I am looking forward to working with you to get you your property.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage rate was ending

How has Carol Smith helped you?

Looked at best deal available. Sorted remortgage out.

Have you seen the outcome you were hoping for?

Yes. Due to current Covid situation I didn’t manage to release equity from my home. But Carol came up with the best solution.

What could they have done better?

Nothing.

Carol's reply

Thanks very much tracy. You're more than welcome x

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Remortgage of buy to let

How has Carol Smith helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

Carol's reply

Thanks very much for the review nicola!! Stay safe x

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Merseyside

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

I needed a mortgage as I was looking to buy by first home.

How has Carol Smith helped you?

Carol explained the full process to me and has been available from the initial steps of seeking advice to now (one year on from my mortgage completion!). Carol has always been approachable and supportive to me and is very prompt in replying to all my questions. Carol supported me in selecting the mortgage and putting home insurance, life cover and health insurance.

Have you seen the outcome you were hoping for?

Yes, my mortgage and required insurances were all put in place following each being explained in full.

What could they have done better?

I have no comment on this as all my needs were met.

Carol's reply

Thank you so much for the lovely review. It has been lovely to look after you and I am made up that you feel the after service is great as well as this is something that I pride myself on. Take care and stay safe and you know I am here as and when you need anything.

First impression from a user who is not yet a client

February, 2020

Overall

Please provide a brief comment about your experience with Carol

Carol was extremely helpful in suggesting the best mortgage for me. Her advice was selfless, accurate and thoughtfully given.

Carol's reply

Thanks very much Dominic.

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

Remortgaging my house.

How has Carol Smith helped you?

From day one we knew we were in good hands with Carol (Just Mortgages). Carol came to our house outside of her normal hours to accommodate us as we work awkward hours. She sat us down and listened to what we wanted and could afford and she explained our options to us clearly in layman's terms, which was great. Carol went through the process and said there shouldn't be any issues and it will be a quick turn around as we are just remortgaging and agreed a price. "Oh how we were wrong". No fault of Carol's (Just Mortgages) I might add! We hit a few stumbling blocks along the way with our valuer being awkward and making an incorrect decision, which Carol challenged and got the decision over ruled. We had issues with the amount of time the bank was taking and this was challenged by Carol and we got a refund for the inconvenience. We hit another stumbling block at the end with Target (Help to Buy) where we thought we would have to start the whole process again but Carol assured us this is not the case and gave us further options to resolve this issue. We started this process back in June 2019 and completed it in January 2020 due to the stumbling blocks we faced. Carol and Geraldine (Just Mortgages) have been amazing and a pleasure to work with and we can't recommend them enough for what they have done for us. They went above and beyond and nothing was too much trouble for them from chasing everyone to keeping us updated on the progress. We think of them as friends/family because they stood by our side all the way through the process and helped us get past the issues to the end. If you want a team who is dedicated and will support you to the end give Carol and Geraldine (Just Mortgages) a shout. Thanks again for everything. Andy & Carli xx

Have you seen the outcome you were hoping for?

Yes from Carol.

What could they have done better?

Nothing as she was understanding and very helpful x

Carol's reply

Thanks very much Andrew

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Cheshire

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

First time buyer, had no idea what I was doing or what to look for.

How has Carol Smith helped you?

Carol helped find the best mortgage for my circumstances, helped explain everything I didn't understand along the way and chased up the solicitors and estate agents to speed them up.

Have you seen the outcome you were hoping for?

We got the house we wanted thanks to Carol

What could they have done better?

Carol couldn't have done anything more. She helped us through the entire process and was happy to help at any time of day.

Carol's reply

Thanks very much david. It's been a pleasure looking after you both.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

Moving home

How has Carol Smith helped you?

Carol, first day in our new home. We still can't believe it's ours. Thank you so so much. You're amazing at what you do. Nothing was ever too much trouble for you. You kept us informed throughout the whole process and made everything a little less daunting. You managed to get us a great deal and even sorted out our insurances. We felt like our relentless questions, texts and phone calls were never too much trouble for you. Please call round soon for a brew and to see how happy you've made us. (PS, two friends are already using your services on our recommendation). Thank you

Have you seen the outcome you were hoping for?

Yes, we have settled into out new home and we love it so much, Carol made the whole experience alot less daunting and reassured us at every turn.

What could they have done better?

I really cannot think of anything else Carol could have done for us, I have moved home on several occassions and this was by far the smoothest journey we went on.

Carol's reply

Thanks Robert. Glad to hear you're settling in well. I'll be round for that brew soon

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

We are first time buyers and didnt understand the process or the right places to look.

How has Carol Smith helped you?

would like to say a massive thankyou to carol and geraldine for all of the help and support they have given throughout the house buying process. everything was fully explained and we were always kept up to date with what was going on. They took all of the stress and worry out of it as they sorted absolutely everything out and within a matter of weeks, we are homeowners! Again, thankyou so much and we 1000% would recommend using carol xx

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

For us, everything was done amazingly so nothing could have been done better!

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

Re-mortgage.

How has Carol Smith helped you?

Re-mortgage all sorted thanks to Carol. Not only are we now paying less per month, fixed for 5 years, we also received some cashback which covered all fee's and left us with some leftover. Carol was always available whether it be on the phone or for a one to one meeting. Couldn't recommend highly enough!

Have you seen the outcome you were hoping for?

Yes, exceeded expectations.

Carol's reply

Thanks Sam, hope the home renovations are going well and congratulations on the new baby!

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Re-mortgage

How has Carol Smith helped you?

Second time working with Carol on a remortgage. Professional friendly and pro-active service from first meeting to completion with after care. Highly recommended.

Have you seen the outcome you were hoping for?

Always with Carol. Friendly, ultimate professional and excellent speedy results

Carol's reply

Thanks Lee. It was a pleasure to look after you.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

Mortgage for moving home.

How has Carol Smith helped you?

If it wasn’t for Carol, my wife and I would have never been able to buy our dream home. She is the ultimate expert. Just when we thought we were about to lose our perfect home, Carol intervened and chase around solicitors to get things back on track (at one point, she even dealt with my solicitor to take the strain of us to get things moving!). Even now that we have moved in, Carol still checks in on us - she really does go above and beyond. I’ve recommended Carol to all of my friends and family and will continue to do so.

Have you seen the outcome you were hoping for?

Yes, and more!

What could they have done better?

Absolutely nothing at all!

Carol's reply

Thanks lovely.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

We were moving house so needed mortgage and life insurance advice.

How has Carol Smith helped you?

We recently used Carol when we moved house for our mortgage and life insurance. We had a very stressful time with the whole conveyance but Carol made it so much easier and went out of her way to help us. Thank you so much Carol - pop in soon for a cup of tea xx

Have you seen the outcome you were hoping for?

Yes. We have now been in our dream house for the past year and the whole process was made so much easier thanks to Carol. I will definitely be using her again in the future.

What could they have done better?

Absolutely nothing, apart from unpack some boxes at the other end!

Carol's reply

Thanks for your lovely words angela! You definitely will x

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage

How has Carol Smith helped you?

Carol has just done 2 buy to let mortgages and 2 further advances and life insurance , great value for money always gets you the best deal and explains everything properly. Great job Carol. Thanks

Have you seen the outcome you were hoping for?

Yes

Carol's reply

Thanks mark

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage term was due to end

How has Carol Smith helped you?

Remortgage completed today, there was a few hiccups along the way caused by the lender but carol sorted absolutely everything out for us from start to finish we didn't have to lift a finger, great deal & money saved. Happy days.

Have you seen the outcome you were hoping for?

Yes & more

Carol's reply

Thanks very much!

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Merseyside

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

I needed to remortgage

How has Carol Smith helped you?

Remortgage completed with no issues thanks to Carol. We couldn’t have done it without her. Carol took all of the pressure away & organised everything. We were constantly kept up to date during the process.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing as it was perfect throughout

Carol's reply

Thank you so much. I hope you are both well.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

Getting a mortgage

How has Carol Smith helped you?

Mortgage broker

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, she was great!

Carol's reply

Thanks very much!

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

As I have 12 BTL mortgages Carol is constantly reviewing my options.

How has Carol Smith helped you?

As always Carol strived to ensure I was well informed and aware of all the options available when looking for renewing my BTL mortgages.

Have you seen the outcome you were hoping for?

Most definitely.

What could they have done better?

None. Carol has a log of all mortgages and renewal dates etc. She always makes me aware of changes in lenders approach to the set up I operate.

Carol's reply

Thanks for the fantastic review Steve.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

We was buying are first house

How has Carol Smith helped you?

carol is fabbbb at what she does she helped us so much with buying our house, gave us all the information we needed and went above and beyond to help.

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

Carol went above and couldnt have done more for us we were very happy

Carol's reply

Thanks so much for your review Amy. I loved looking after you both for the last few mortgages. Always a pleasure! X

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Cheshire

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

I was buying my first house

How has Carol Smith helped you?

She made the whole process really easy to understand and got me a great mortgage. She handled everything.

Have you seen the outcome you were hoping for?

Yes, I have a great mortgage product and I have completed.

What could they have done better?

I can't think of anything she could have done better

Carol's reply

Thank you so much Kirsty, its been lovely looking after you. Thank you for your kind words.