Chirag Patel

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

I have zero time with the day job to find the right deals and consider all the options.

How has Chirag Patel helped you?

Chirag found a great deal for us and chased everything up diligently. His team are also very attentive and very pleasant to work with.

Have you seen the outcome you were hoping for?

We had a great outcome and he met all of our requirements. Excellent result.

What could they have done better?

Nothing.

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

Remortgage

How has Chirag Patel helped you?

Very knowledgeable and responsive!

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing

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

To get the best interest rate and term

How has Chirag Patel helped you?

He has got the best rate and for a sensible term

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

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

Buying a new house with a new mortgage.

How has Chirag Patel helped you?

The service provided by Chirag and Vicky was absolutely exceptional from start to finish. At the outset, Chirag took the time to fully understand our needs and circumstances in relation to selling our flat and buying a new house with a new mortgage. It may be a bit time consuming to fill out all the fact-finding information and provide financial details, but it is absolutely worth it. Chirag provided us with a fully bespoke service and tailored recommendations to help us choose the ideal mortgage product for our circumstances. We spoke a number of times on the phone and then many times over email during the process and after completion - no question was too much and his advice was always delivered promptly and concisely. Ultimately this meant we could actually afford a more expensive home than we initially thought. On top of this, Chirag is professional, very knowledgeable and a pleasure to speak to. We never would have received this level of service and product from a high street lender or "free" broker. I would use Chirag again without question and thoroughly recommend using his services.

Have you seen the outcome you were hoping for?

Yes. We were able to afford a house that we initially assumed would be outside of our budget.

What could they have done better?

Nothing.

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

Looking for additional borrowing on a mortgage

How has Chirag Patel helped you?

Chirag services are efficient, professional and presented in a way which makes mortgages clear and precise. Would recommend to anyone looking for a mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

I started working with a new Financial Advisor and asked for a recommendation as was due to re-mortgage.

How has Chirag Patel helped you?

I have worked with Chirag for many years and he has been by far the best mortgage broker I have ever worked with. He is proactive, detail-oriented and always finds me the best deals. I have recommended Chirag to many friends and they have all been impressed. I would never work with anyone else.

Have you seen the outcome you were hoping for?

Absolutely. I have had up to 3 mortgages at a time and he always got me great deals.

What could they have done better?

Nothing

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

To secure a mortgage for my new home

How has Chirag Patel helped you?

Chirag provided exceptional service and support, making the entire process smooth and stress-free.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

I couldn't ask for more

Please provide a brief comment about your experience with Chirag

Chirag is always helpful in providing sound advice when it comes to mortgages. He gas great wealth of experience and knowledge.

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

We have a complex off set mortgage matter with a tight deadline to complete.

How has Chirag Patel helped you?

Chirag had huge knowledge in this area. Vicky and Chirag work amazingly well under pressure and deliver well within the deadline set.

Have you seen the outcome you were hoping for?

Absolutely, the best outcome we could have hope for.

What could they have done better?

We have no complaints or feedback on this area.

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

Remortgage

How has Chirag Patel helped you?

Chirag ask me clear and focussed quedstions to better understand my needs to be abel to fidn the best mortggage solution for my requirements.

Have you seen the outcome you were hoping for?

Yes, as my income structure was more complex than normal Chirag was abel to guide me ot the right lenfer to fix my circumstances.

What could they have done better?

Nothing.

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

Equity release and remortgage

How has Chirag Patel helped you?

Chirag helped to remortgage my house and release equity on both of my properties

Have you seen the outcome you were hoping for?

Yes

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

Mortgage for house purchase

How has Chirag Patel helped you?

Chirag and Vicky have helped us through 3 mortgages, helped us navigate through a challenging market. They listen carefully to our needs, provide us with summaries and easy to understand options, enabling us to make decisions in what a complex and rapidly changing environment. Most of all they make the heaps of paperwork easy and smooth to handle!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing springs to mind

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

Remortgage

How has Chirag Patel helped you?

I have used and recommended Chirag for 10 years. In that time he has advised me personally on 2 mortgages and 2 remortgages.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Actually nothing.

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

I was looking for a mortgage

How has Chirag Patel helped you?

He gave financial advice and guidance over the past 10 years and helped with finding a mortgage (both residential and BTL)

Have you seen the outcome you were hoping for?

Yes most definitely

What could they have done better?

Nothing could have been better. Can not fault his work at all.

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

Refinancing

How has Chirag Patel helped you?

Great service! Professional and always helps us ro get the best rates. Chirag and his team take the stress out of refinancing. Will use again and recommend.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

I needed advice on a mortgage and Chirag was recommended to me.

How has Chirag Patel helped you?

We got the mortgage we needed which enabled us to get on the property ladder.

Have you seen the outcome you were hoping for?

Yes. Chirag was very professional and his advice helped massively.

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

Buy to let mortgages

How has Chirag Patel helped you?

Helped secure the best product in the market at required LTV

Have you seen the outcome you were hoping for?

Confirmed

What could they have done better?

Nothing

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

My current mortgage deal was ending.

How has Chirag Patel helped you?

Chirag just not advice on mortgage rates but he also helped us to prepare documents for application as well as educating us on buy to let investment.

Have you seen the outcome you were hoping for?

Definitely, I would say that I got better results compared to what I was hoping for.

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

Re-mortgage of our house

How has Chirag Patel helped you?

He took the time to explain the options, got us the best interest rate and made it an easy process. We go back every 5 years as it’s just a phone call and he does the rest. Easier for us then looking around. He does all the hard work!

Have you seen the outcome you were hoping for?

Yes! Extremely happy with the rate.

What could they have done better?

Nothing.

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

Purchase of a new house

How has Chirag Patel helped you?

He found us an absolutely cracking deal on a 5 year fixed

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

There was nothing we would change

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

New Mortgage

How has Chirag Patel helped you?

Advised and brokered mortgage loans and remortgage applications.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing comes to mind

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

Residential remortgage rate was coming to an end.

How has Chirag Patel helped you?

Switched my deal in time even though I left it extremely close to my rate end date.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Our current mortgage was coming to an end and we needed to find a new mortgage. Chirag's company came highly recommended and we were well supported throughout the process by him and his team.

How has Chirag Patel helped you?

Mr. Patel and his team helped us through the process of securing a new mortgage. He has kept us well informed and up to date along the way, informing us of changes to the market and to the options available to us. He has always been ready to answer any questions we may have and to explain the options in ways that we can easily understand. This is our second time using his services to arrange our mortgage and we would definitely recommend him.

Have you seen the outcome you were hoping for?

Yes, we have been able to secure a better mortgage deal than we were previously considering with the help of Chirag and his team.

What could they have done better?

Nothing

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

Seeking to pull together Mortgage options.

How has Chirag Patel helped you?

Chirag has been very helpful in helping find the mortgage that worked best for our scenario. He has an in depth knowledge and knew who to speak to and found us the right fit.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Remortgaging my home

How has Chirag Patel helped you?

Chirag has been excellent in finding a good rate for our remortgage and has offered excellent service throughout the process.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing. He was extremely professional and proficient.

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

I needed advcie on my mortgage options.

How has Chirag Patel helped you?

Chirag helped me with clearly understand my options for remortgaging my property in a concise and jargon free approach that enabled me to make an informed decision on what to do next.

Have you seen the outcome you were hoping for?

yes! I can now take the next steps to secure a new mortgage.

What could they have done better?

Nothing.

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

I needed to remortgage as my current deal was ending.

How has Chirag Patel helped you?

Hi obvious integrity and genuine desire to go above and beyond for his clients shines through. He clearly knows his stuff and he and his team sorted out a great new rate for me with minimal fuss or bother.

Have you seen the outcome you were hoping for?

Couldn't be happier. Really - he made remortgaging an enjoyable and stress free experience

What could they have done better?

Nothing. I really can't think of anything that he could improve upon.

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

I was recommended to Chirag when I was initially looking for a mortgage adviser a number of years ago.

How has Chirag Patel helped you?

Chirag has advised me on multiple mortgages over a number of years and always provided a seamless and efficient service.

Have you seen the outcome you were hoping for?

Above and beyond.

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

I needed help with a mortgage as self employed and Chirag was great

How has Chirag Patel helped you?

He helped me with my ltd company mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing

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

We wanted advice on keeping our house in Ealing as a BTL whilst moving to live with our family in chesham and working out how to structure the mortgages

How has Chirag Patel helped you?

Chirag guided us amongst the weeds of finding a residential mortgage and a BTL mortgage within the context of our finances - we couldn't have done it without him

Have you seen the outcome you were hoping for?

Absolutely - Chirag has helped us structure our mortgages and remortgages for the last 7 years. The latest remortgage was particularly challenging due to the current rise in interest rates but Chirag was tireless in helping us find the least painful outcome. The way the mortgages worked out in the end Chirag found himself not receiving a fee from us yet still led us to the end of the process with absolute thorough diligence

What could they have done better?

Nothing

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

I had slightly unusual circumstances, so felt an adviser would be the best option.

How has Chirag Patel helped you?

Chirag was fantastic. He spent a lot of time talking through options with me, and worked really hard to find the best deal and secure my mortgage.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. I was very happy with the service.

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

I had a very complex situation financially, based on my personal circumstances changing and have various properties and financial arrangements.

How has Chirag Patel helped you?

He went the extra mile and help me navigate the complex finance market and come up with a great solution that helped me. The level of service he provides is outstanding, he was organizing daily conference calls at 7pm every night to give my wife and I updates on progress. He is truly customer focused I and would not hesitate to recommend him to others. He is also a really top bloke,

Have you seen the outcome you were hoping for?

Definately.

What could they have done better?

Nothing

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

Financial planning can be very challenging so that was main trigger for me to look for professional help.

How has Chirag Patel helped you?

Chirag has mentor me via very detailed understanding of our unique situation and on base of that providing us advice.

Have you seen the outcome you were hoping for?

Yes, definitely…

What could they have done better?

Noting….

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

I was a 'hard-to-place' aspiring home owner, returning to the property market after the global financial crisis.

How has Chirag Patel helped you?

Against all the odds Chirag found me a suitable mortgage, helped me through the application process, then bore with me for the best part of two years while I searched for a suitable property to match it. Later, when my fixed rate came to an end he encouraged me in good time , and against my own inclination, to shop around for a replacement rather than waiting (in vain as it turned out!) for a new offer from my existing bank. I completed my remortgage in mid-2022 just as interest rates started to climb.

Have you seen the outcome you were hoping for?

Yes. Chirag's advice could not have been more timely and apt. He and his excellent assistant Vicky also coaxed me through the remortgage process - above and beyond anything I could reasonably expect from their role as advisers.

What could they have done better?

Nothing to suggest here - dealing with banks can be pretty frustrating but Chirag and team did what they could to make the experience as painless as possible.

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

My current mortgage product was coming to an end.

How has Chirag Patel helped you?

Chirag found me the best fixed mortgage product on the market. The process was stress free and the online portal an easy way to track and upload all the documentation that he required.

Have you seen the outcome you were hoping for?

The process was simple, with Chirag replying quickly to all of my e-mails and explaining anything I didn't understand.

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

We were looking for a mortgage for our new property.

How has Chirag Patel helped you?

Chirag gave us expert advice, as well as a realistic perspective on lender requirements. He knows his lenders and directed us to the most appropriate one right away. Though any mortgage process is slightly demanding, the process was efficient and quick thanks to him.

Have you seen the outcome you were hoping for?

Absolutely, with a very good value for money as well.

What could they have done better?

Nothing.

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

Main residence acquisition in Summer 2022

How has Chirag Patel helped you?

Chirag and team advised us in preparing options for a mortgage, making our home search extremely focused and sleek. Chirag found us a mortgage to acquire our main residence in Summer 2022, making the whole process seamless.

Have you seen the outcome you were hoping for?

Mortgage was approved extremely swiftly, after securing an approval in principle. Chirag 's help and guidance was extremely crucial in positioning adequately our offer on the home we selected. Chirag spared no effort to keep the pace of the acquisition steady despite the timing being across july and August. 3 weeks elapsed between our offer being accepted and the mortgage being approved throughout August speaks for itself.

What could they have done better?

n/A . i'm extremely satisfied of Chirag and CKN services.

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

Initially worked with Chirag for a mutual client.

How has Chirag Patel helped you?

I have worked with Chirag for a number of years now. The quality and level of service that Chirag and his team offer is simply the highest of standard and they always look to make the process as easy and swift as possible. On many occasions going above and beyond expectations.

Have you seen the outcome you were hoping for?

on many occasions.

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

Remortgage.

How has Chirag Patel helped you?

Chirag helped us with a remortgage on a second property. He and his team were excellent to work with and supported us with navigating all the different steps.

Have you seen the outcome you were hoping for?

Yes

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

Chirag is a trusted Mortgage Advisor and Broker of a friend of mine, and I am a first time buyer

How has Chirag Patel helped you?

Chirag has been fantastic - he has offered valuable advice on how key features which would help my credit rating, how the mortgage market works, opportunities in the market, key features to look out for when looking to buy arranging a mortgage. Following all this, Chirag has negotiated the best mortgage for me, getting me the best place I can at the best terms, making clear my opportunities and responsibilities. He has managed incredibly quick turnaround times to facilitate all this when there was a time-dependent opportunity, working out of hours and over weekends to arrange "In Principles", get my case underwritten and in hand, and valuations arranged in a matter of days. His communication, and willingness to take time to discuss and explain, have also been fantastic. I cannot recommend Chirag highly enough

Have you seen the outcome you were hoping for?

Yes absolutely - because of Chirag and his team, I can buy the perfect place for my first time purchase, with a first rate mortgage provider on my side

What could they have done better?

I cannot fault anything - no improvements

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

Buying a new house

How has Chirag Patel helped you?

Chirag was excellent from our very initial engagement; he gave us tailored, specific and quality advice on our mortgage situation which was not straight forward. He was quick to respond and support us which was greatly appreciated. We’re very happy with the outcome achieved. Thank you!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

I needed to remortgage to move house and wanted advice on how best to do this in the current climate

How has Chirag Patel helped you?

Chirag was great from start to finish. He talked us through options and outlined the best approach to find the best lenders. He always did what he said he would and always on time. We talked regularly through the process, and he always took time to answer our questions. It was a thorough but straightforward process.

Have you seen the outcome you were hoping for?

Yes, we were really pleased with the deal we got and the advice along the way.

What could they have done better?

Nothing, Chirag, Vicky and the team were great. I’d happily recommend them.

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

Evaluating mortgage providers to renew or port across my mortgage

How has Chirag Patel helped you?

Reviewed the market, negotiated with providers and provided a thorough and detailed evaluation and recommendations

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Buying a house

How has Chirag Patel helped you?

Mortgage research

Have you seen the outcome you were hoping for?

Yes! I am buying my house with a good mortgage that is, in fact, cheaper than what I have been paying for rent!

Please provide a brief comment about your experience with Chirag

Had an extremely good conversation with Chirag, he answered all my questions and gave me clear insightful and helpful direction.

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

After a long property search, we finally found the right house for our next move. Our offer was accepted, and we need to acquire a mortgage in principle letter quickly in order to secure the agreed purchase price. Although we had a substantial deposit, we still required a mortgage and were unsure how much we could borrow.

How has Chirag Patel helped you?

We have not purchased a property for over 15 years and Chirag made an otherwise stressful process very easy. He understood our total situation, considering all the options available and provide us with excellent advice, guiding us throughout the process and answered our many questions. He ensured that we balanced our finances so as not to over stretch ourselves and that we could purchase our next home, even when he purchase price increased due to changes in circumstances, Chirag was calm and informative on what our options were. I cannot rate Chirag's services high enough, outstanding, calm, and informative is what you need from an adviser in what can be a very stressful and emotional process. Thank you Chirag.

Have you seen the outcome you were hoping for?

Absolutley, we have managed to complete the purchase of our next home without overstretching our finances.

What could they have done better?

Nothing

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

We needed to find a new mortgage deal for our house

How has Chirag Patel helped you?

Presented us with some great options and helped us narrow down the choice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

Need to redo out mortgage after our previous fixed 5 year term ran out

How has Chirag Patel helped you?

He made sure we had everything in place to be able to look for a new mortgage and then execute it to be in place

Have you seen the outcome you were hoping for?

yes we have a new mortgage

What could they have done better?

n/a

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

Mortgage advise and renewal

How has Chirag Patel helped you?

Chirag was a great help in finding us the right mortgage and then mortgage renewal several years later. We found him very professional and his advise was very easy to follow. Chirag knows his stuff!

Have you seen the outcome you were hoping for?

Very much so

What could they have done better?

You have to put your trust in people when dealing with finances which can be hard but we felt we got the best from Chirag

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

Buying a house

How has Chirag Patel helped you?

Chirag took the time to fully understand our circumstances and requirements, and identified a product which suited out needs. He was very responsive and always available to answer our questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

My fixed term product was ending

How has Chirag Patel helped you?

He has facilitated my last three mortgages

Have you seen the outcome you were hoping for?

Yes

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

We were looking for a rock-solid partner to help guide us remortgage our family home

How has Chirag Patel helped you?

Chirag instilled confidence with an initial chat, and provided a portal for us to input the details that he needed to find us the best deal. As we needed to remortgage on a single income we faced a shortfall that might have seen us unable to secure a special rate and have to accept a punitive Standard Variable Rate. Chirag however was able to find us an extremely competitive special rate and work with our challenges to a successful outcome.

Have you seen the outcome you were hoping for?

Yes, we definitely have had a great outcome thanks to Chirag. We have been able to secure a great special rate and not have to liquidate assets to make up the shortfall in order to reach that outcome.

What could they have done better?

I'm not sure what Chirag or Vicky could have done better to be honest - their communication was always friendly, concise and timely - and ultimately we feel we got the best possible result for our circumstances. Perhaps the data entry categories on the portal did not always quite match our details, but that's pretty normal for software in my experience, and Chirag encouraged us to send any 'misfit' information to him and Vicky directly as needed.

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

Needed a remortgage and consolidation of a secured loan

How has Chirag Patel helped you?

Went above and beyond in every sense! Great mortgage, knew more about lenders criteria than they did, guided and advised at every stage. Gave more than I could’ve hoped for!

Have you seen the outcome you were hoping for?

Better outcome than I asked for! Exemplary!

What could they have done better?

Nothing. They made a life admin worrisome hassle into a complete armchair ride - a complete pleasure to deal with! Would recommend with hesitation.

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

Re-mortgaging our house.

How has Chirag Patel helped you?

Extremely. Thoroughly recommend.

Have you seen the outcome you were hoping for?

We have had the outcome we were hoping for.

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

Remortgaging property

How has Chirag Patel helped you?

Found best options for us and our circumstances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all, very happy with the whole process.

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

Remortgaging

How has Chirag Patel helped you?

He has good thorough knowledge. And offered his best advise.

Have you seen the outcome you were hoping for?

Yes