Reviewed for

Insurance and Protection ( 64 )

Mortgages ( 116 )

Long Term Care ( 2 )

Reviewers' assets

£200k - £500k ( 2 )

£100k - £200k ( 6 )

£50k - 100k ( 6 )

Up to £50k ( 55 )

Client reviews

This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage deal coming to an end so needed to know my options.

How has Paul Kozyra helped you?

Excellent at running through the options and getting me the best new mortgage deal. Also, helped me with my credit score and giving me advice on how to improve it.

Have you seen the outcome you were hoping for?

Better than expected as it actually came in at a lower rate than discussed.

What could they have done better?

On this occasion I don’t believe anything could have been improved.

Review from verified client

April, 2024

Overall

Advice

Service

Value

Based in Cheshire

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

Didn't know where to start with buying a house and were pointed towards PK finance

How has Paul Kozyra helped you?

Paul was very patient and helped guide us through the process of buying a house and was helpful with everything

Have you seen the outcome you were hoping for?

Yes we got our house

What could they have done better?

I don't think they could have done much better they went above and beyond overtime

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 needed a mortgage.

How has Paul Kozyra helped you?

He helped us set up our mortgage and re new it 5 years later.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

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?

Paul helped us with our Help to Buy Mortgage and changing provider.

How has Paul Kozyra helped you?

Paul was excellent throughout the whole process and made everything very easy to understand

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. He was excellent

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?

Purchasing my home.

How has Paul Kozyra helped you?

Paul has been a huge help throughout the process of purchasing multiple houses now. He is very knowledgeable, helpful & thorough.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

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?

Home move

How has Paul Kozyra helped you?

Paul has arranged a mortgage and remortgage for us and got us a great deal both times with honest advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I was delighted with all aspects of Paul’s service

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?

Renewal

How has Paul Kozyra helped you?

With the renewal

Have you seen the outcome you were hoping for?

Yes we got great service as usual

What could they have done better?

Nothing

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?

I was contracting and so needed a specific mortgage.

How has Paul Kozyra helped you?

Paul was able to find me the right lender and mortgage

Have you seen the outcome you were hoping for?

I have yes

What could they have done better?

Paul was great, he came recommended to me and I have already recommended him to some friends.

Review from verified client

January, 2024

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Home Move

How has Paul Kozyra helped you?

Paul made sure that I could move house and not have to worry about getting the best deal with my mortgage as he had it all in hand, he even found a better deal closer to the time as rates had dropped again and he could save me even more money!

Have you seen the outcome you were hoping for?

Paul and his team are incredibly supportive and really know their stuff with regards to mortgage and protection advice. I felt that I was getting the best service by trained professionals delivered in a friendly comfortable way.

What could they have done better?

Nothing, everything was perfect

Review from verified client

January, 2024

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Concerned with rising Mortgage prices, and needed advice.

How has Paul Kozyra helped you?

He helped us look for the best Mortgage option. Even available via text in the evening after we needed extra advice.

Have you seen the outcome you were hoping for?

Yes, we took the advice and got the best result we could get.

Review from verified client

January, 2024

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

My mortgage fixed term was due to be renewed.

How has Paul Kozyra helped you?

Secured me a new fixed deal and helped me complete the application.

Have you seen the outcome you were hoping for?

Yes. Remewed with convidence and security during interest rate fluctuations.

What could they have done better?

Nothing. Paul went above and beyond.

Review from verified client

January, 2024

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Paul has helped with previous mortgages

How has Paul Kozyra helped you?

His personal touch and keeping us updates in getting the best deal for our mortgage

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing- he has been superb.

Review from verified client

December, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Neither for girlfriend or I have much experience in the mortgage market. It's extremely helpful and gives us piece of mind to get expert advice.

How has Paul Kozyra helped you?

Paul never failed to answer our questions. He was on hand whenever we needed him. It felt like he went above and beyond for us.

Have you seen the outcome you were hoping for?

Absolutely. We were able to secure an offer on a property and get exactly what we were looking for.

What could they have done better?

We had no issues to speak of so no improvements needed.

Review from verified client

December, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Staffordshire

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

First time house purchase

How has Paul Kozyra helped you?

By explaining the process, and providing support in the areas I needed as well as offering clear advice for what would suit my needs

Have you seen the outcome you were hoping for?

Yes

Review from verified client

December, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

We wanted to understand how much we could borrow

How has Paul Kozyra helped you?

Absolutely

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing! Beyond helpful!

Review from verified client

December, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Remortgage

How has Paul Kozyra helped you?

Researched the market and followed up to an agreement with the mortgagor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

November, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

To re-mortgage as our current term had come to an end

How has Paul Kozyra helped you?

Paul advised us of what options we have to support our needs and provided us with the most suitable option for us to take action at the appropriate time.

Have you seen the outcome you were hoping for?

Yes we have

What could they have done better?

Nothing, we were more than happy with the service that Paul provided

Review from verified client

November, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Kent

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

Buying our first house.

How has Paul Kozyra helped you?

Paul has always gone above and beyond, consistently being available for us and supportive of all of our questions. He has been wonderful through the whole process.

Have you seen the outcome you were hoping for?

Absolutely. We had fantastic advice from Paul, helping us secure a morgage.

What could they have done better?

Nothing.

Paul's reply

Thanks so much for the review Olliver. :-)

Review from verified client

November, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

End of mortgage deal

How has Paul Kozyra helped you?

Clear information. Listened and helped me understand.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing.

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Lancashire

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

I was a first time buyer and was nervous about the whole process

How has Paul Kozyra helped you?

Got me the best deal and took the time to explain everything to us and made the process easier

Have you seen the outcome you were hoping for?

Yes, Paul has been great

What could they have done better?

Nothing

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Needed a mortgage

How has Paul Kozyra helped you?

Got me the mortgage at a great rate

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing required he was brilliant

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Buying a home

How has Paul Kozyra helped you?

Paul exceeds all expectations. He goes above and beyond for you so that you always feel comfortable in the process. He is also always available for advise

Have you seen the outcome you were hoping for?

More so

What could they have done better?

He couldn't do any more for us

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Struggling to get a mortgage and make sense of our options

How has Paul Kozyra helped you?

Paul was brilliant, he was understanding when we weren’t in a position to move forward and then so quick to get things moving when we were

Have you seen the outcome you were hoping for?

Yes absolutely, Paul made the whole process so much easier and was clear with advice and next steps

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Needed work on credit scores and advice

How has Paul Kozyra helped you?

Guided us through step by step to achieve the better credit scores, found us the correct mortgage and couldn’t do enough to help.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing.

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Initially for a new mortgage and 5 years later for a remortgage

How has Paul Kozyra helped you?

Paul is the best, I would only use Paul in the future.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

I have used Paul for years after getting to know him back in 2010 when I was moving house and seeking mortgage advice.

How has Paul Kozyra helped you?

Paul has been an absolutely fantastic support to me on a number of moves, he has always been there for advice, support and to bounce ideas off. He consistently goes way above and beyond what he has to do. I genuinely cannot fault his service!

Have you seen the outcome you were hoping for?

Yes, absolutely!

What could they have done better?

Nothing whatsoever! Perfect service ever time

Review from verified client

October, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Manchester

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

My fixed rate deal was coming to an end, as Paul had originally done this mortgage, I was always going to come back to discuss a re-mortgage with him

How has Paul Kozyra helped you?

My re-mortgage was quick and easy, and got me a lower rate than my current lender would have reverted to

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Paul made the process so much easier, and put me in touch with his protection adviser

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Lancashire

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

Mortgage advice

How has Paul Kozyra helped you?

Was very professional and practical

Have you seen the outcome you were hoping for?

Yes

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

We were moving home. There’s no one else we trust to use more than Paul

How has Paul Kozyra helped you?

Paul goes above and beyond, no matter the day or time, he’ll be there to respond, support, and answer questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Absolutely nothing. We had a great experience

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Lancashire

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

Purchasing a property and needing help understanding the process

How has Paul Kozyra helped you?

Paul assisted me through 2 house purchases and helped me understand the process. He has been a fantasic help every step of the way!

Have you seen the outcome you were hoping for?

Yes

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Remortgage

How has Paul Kozyra helped you?

Get the best rate

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

I bought my first property on my own six years ago and needed the advice of someone I liked and trusted ! Paul was recommended by a friend and I will now, always go to Paul first for advice!

How has Paul Kozyra helped you?

Git the mortgage I needed and advice I trusted

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Absolutely nothing; first class service!

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Manchester

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

We had previously used Paul as an advisor for our first time mortgage

How has Paul Kozyra helped you?

He has helped us with choosing the best option for our current circumstances and getting the best deal

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

September, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

The renewal of our mortgage.

How has Paul Kozyra helped you?

He found the best mortgage deal possible for us at this time.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing at all.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

New mortgage

How has Paul Kozyra helped you?

Massively always put us in right direction

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Noting

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage

How has Paul Kozyra helped you?

He has been absolutely amazing and this has been the second time I have used him for my mortgage .

Have you seen the outcome you were hoping for?

Mortgage advice

What could they have done better?

Nothing, fantastic service from start to finish!

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

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 as my family members have all used Paul and trust him, it seemed the right fit… and it was!

How has Paul Kozyra helped you?

He helped us through every step of securing our mortgage

Have you seen the outcome you were hoping for?

Yes, we are so happy in our new home

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Manchester

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

First time buyers

How has Paul Kozyra helped you?

Paul assisted us with our first mortgage and was always there for a teams call to answer any questions we had.

Have you seen the outcome you were hoping for?

Absolutely!

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

We were moving house and looking to extend the mortgage to finance the move. Paul was recommended to us by friends who had used him previously.

How has Paul Kozyra helped you?

Paul helped secure a better deal than we could have done ourselves. He also took all the stress away and dealt with the lenders to finalise everything

Have you seen the outcome you were hoping for?

Yes all worked out perfectly.

What could they have done better?

Nothing could have been done better

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Securing mortgage offer

How has Paul Kozyra helped you?

Paul was able to secure a mortgage after a very long period following a damning surveyors report.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Remorgage

How has Paul Kozyra helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Pauls help and support has been great thoughout the whole process and we coudn't have asked for more.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

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 Paul Kozyra helped you?

Yes helped us get the best mortgage rate at the time gave advice also on getting our first home.

Have you seen the outcome you were hoping for?

Yes 100% Happy

What could they have done better?

I wouldn’t have any suggestions to improve I will be recommending Paul to our friends when they decide they also want to buy their first home

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Buying my first home.

How has Paul Kozyra helped you?

Paul has been such a huge help and made the whole process so much easier. He went above and beyond and got things done incredibly quickly. We're very happy with the mortgage and life insurance that he arranged for us.

Have you seen the outcome you were hoping for?

Yes, definitely. We had a couple of sales fall through so Paul actually secured three mortgages for us.

What could they have done better?

Nothing, Paul provided a perfect service and excellent customer care.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Purchase of a new property and a subsequent remortgage

How has Paul Kozyra helped you?

Best rate for our mortgage. Sound advice & reassurance. Dealt with all our lender queries quickly and effectively, removing the pressure from ourselves.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Manchester

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

First time buyer in need of mortgage advice

How has Paul Kozyra helped you?

Found me my original mortgage and helped me through the remortgage process

Have you seen the outcome you were hoping for?

Yes

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Moving house

How has Paul Kozyra helped you?

Massively

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - he’s great

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Moving house

How has Paul Kozyra helped you?

Mortgage and insurance advice.

Have you seen the outcome you were hoping for?

Yes. Mortgage in place at a good rate

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

I was an existing client of Paul’s and was moving house so needed a new mortgage. There was no other option in my eyes but to go back to Paul and his team.

How has Paul Kozyra helped you?

With two mortgages in the past 5 years.

Have you seen the outcome you were hoping for?

Yes, I’m happily settled with my daughter now after an emotional time buying a house on our own. He is always there to offer support and calmed me down on days when I called him in tears. ?

What could they have done better?

Nothing. I would recommend him to all friends and family, two of my sisters went off my recommendation too and couldn’t have been happier with the service he provides.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Re mortgage

How has Paul Kozyra helped you?

Yes

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Buying a house and looking for a new deal for our mortgage two years later.

How has Paul Kozyra helped you?

Clear no nonsense reliable and frank advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Attended meetings in a spider man costume? Ha ha ha really, nothing.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Renewing a mortgage

How has Paul Kozyra helped you?

Paul helped us find the best mortgage rate at a really bad time with increased rates

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

To secure a mortgage offer in principal

How has Paul Kozyra helped you?

Paul helped to secure a mortgage despite an initial rejection following structural survey

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

We needed a mortgage

How has Paul Kozyra helped you?

Mortgage, Remortgage, insurances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, they were great.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Moving house

How has Paul Kozyra helped you?

He was extremely professional and transparent throughout. Could not of been more helpful. Was available 24/7 and just was fantastic throughout

Have you seen the outcome you were hoping for?

Yes, thoroughly delighted with the outcome

What could they have done better?

N/a

Paul's reply

Thanks Bobby. Really appreciate the review

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Manchester

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

House purchase

How has Paul Kozyra helped you?

Paul, managed to get us a good deal the current mortgage being ported and a new mortgage for the remainder of the purchase price. He was able to secure us a good deal, better than anything that’s as advertised on lender’s websites.

Have you seen the outcome you were hoping for?

Yes, Paul got us exactly what we needed.

What could they have done better?

Nothing, Paul was faultless.

Review from verified client

August, 2023

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Manchester

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

Needed to re-mortgage and will be using Paul in the future.

How has Paul Kozyra helped you?

Paul helped me get the best possible fixed rate re-mortgage. Paul shared his screen and showed me all the options available with all statistics, rates & fees. This goes a long way where transparency in the financial world goes a long way and really builds trust. Excellent five star service.

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing

Review from verified client

December, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Looking move home during an uncertain time

How has Paul Kozyra helped you?

Paul helped us move on to our dream home with his exceptional help and support

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

N/A

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in West Yorkshire

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

I was buying my first house and needed a mortgage broker as I had a slightly complex situation (had been living overseas).

How has Paul Kozyra helped you?

He went above and beyond what I'd expect, and he was a real help at every point of the process. He ensured I kept the great rates he'd found even through a drawn out buying process, and he made it all seem very easy. It would have been quite stressful to do without him, and working with Paul was by far the best investment I made during the house-buying process.

Have you seen the outcome you were hoping for?

Better than I could have hoped for.

What could they have done better?

Nothing at all. Working with Paul was an excellent process.

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in West Yorkshire

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

We were recommended Paul by a family member that had used his services previously.

How has Paul Kozyra helped you?

Paul has acted as our mortgage advisor throughout the purchase of our recent home. He was helpful, extremely knowledgeable and easy to chat with - which made the process easier for us. He gave excellent advice and helped us secure what we feel was the best deal at the time. We are extremely happy with his services and the mortgage outcome.

Have you seen the outcome you were hoping for?

Yes. We secured the best desk we could thanks to Paul’s advice, assistance and help.

What could they have done better?

Nothing.

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Mortgage

How has Paul Kozyra helped you?

Paul helped me apply for a mortgage. He went through everything thoroughly and explained really well all the jargon.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing it was all really seedless.

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

I needed mortgage advice

How has Paul Kozyra helped you?

I honestly carnot recommend Paul enough. Its been a long process to find and purchase a house and Paul was there all the way through. Nothing was too much trouble and everything was very well explained. Really was 5 star service.

Have you seen the outcome you were hoping for?

Yes I have

What could they have done better?

Absolutely nothing they were brilliant

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

My partner and I were planning ahead for buying our first home and we needed to sit down with an expert who could help us understand what we could afford.

How has Paul Kozyra helped you?

Paul looked at our finances and our goals and helped us work out how we could afford our first home. We worked out what price would be our budget for the purchase by looking at the likely mortgages we could get - Paul clearly explained the different options. Paul then quickly got a mortgage agreement in principle set up for us which helped verify our seriousness as buyers when we were at house viewings. When we had an offer accepted on a house we were able to quickly arrange another meeting with Paul to apply for the mortgage that best suited us. Again Paul talked through the options with us and his speed of service was key in securing a good interest rate at a time when the rates were increasing rapidly. Throughout the purchase process we were able to ask any questions we had, it was our first time buying a house after all and no question was too silly for Paul who always got back to us quickly. When the completion date got closer we sat down with Paul again and talked about insurance options and he again helped us secure the best deal for us moving into our new home.

Have you seen the outcome you were hoping for?

Yes, we picked up the keys this week and are absolutely thrilled. Couldn’t have asked for a more personal, professional and supportive financial advisor to help us.

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

To re mortgage our home

How has Paul Kozyra helped you?

He couldn’t have been more helpful - always replied promptly with accurate straightforward information and advice.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Absolutely nothing.

Review from verified client

November, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

We needed a mortgage advisor to help us buy our first home, and we are so glad we found Paul!

How has Paul Kozyra helped you?

Paul helped us massively, he was very open and honest in the processs, we had constant communication he was accessible for any questions at all time, and he really did put us at ease

Have you seen the outcome you were hoping for?

Absoloutley! We are extremelt happy with everything Paul provided

What could they have done better?

Nothing, Paul is a great guy and very professional, we would 100% recommend to all.

First impression from a user who is not yet a client

July, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Please provide a brief comment about your experience with Paul

I didn't speak to him he never rang me.

Paul's reply

Hi Diane. I'm sorry you feel the need to leave this review. I was on holiday over the last couple of weeks so asked a colleague, Amber to contact you. Amber confirms she spoke you to, conducted a meeting, sent a couple of follow up emails but has since not heard back from you. If you would like me to call you, now I'm back from holiday, please do let me know. Paul

First impression from a user who is not yet a client

July, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Please provide a brief comment about your experience with Paul

No contact

Paul's reply

Hi Craig. I'm sorry to read this rating. Hannah, one of my advisers, confirms she spoke to you when you were at work and you confirmed you'd call her back. She did miss your call back due to being in a meeting but then tried you two more times after that but your phone didn't connect. If you would like a call still, please let me know.

First impression from a user who is not yet a client

March, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Please provide a brief comment about your experience with Paul

Amber was very helpful and efficient with searching for options for my re mortgage.

Review from verified client

March, 2022

This review was gathered whilst the adviser was at a different firm.

Overall

Advice

Service

Value

Based in Cheshire

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

Needed Mortgage Broker

How has Paul Kozyra helped you?

Mortgage services and support

Have you seen the outcome you were hoping for?

Yes

First impression from a user who is not yet a client

December, 2021

This review was gathered whilst the adviser was at a different firm.