Chirag Patel

Review from verified client

December, 2023

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

Chirag's reply

Arpit - It was a pleasure to help you and your wife again. I appreciate your kind words and wish you and the young family a very Merry Christmas and a prosperous 2024!

Review from verified client

December, 2023

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

Chirag's reply

George - Sincere thanks for taking time out to leave a review. It has been a pleasure to help you with your first home, and I hope it can complete in time for a very memorable Christmas!

Review from verified client

November, 2023

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.

Chirag's reply

Caroline - I appreciate your time to complete a review. It was a pleasure to help you, and i look forward to assisting both you and Jon for many years to come.

Review from verified client

November, 2023

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.

Chirag's reply

Sean - It has been a pleasure to help you over the past decade, and i really appreciate your support with referrals over this period. I look forward to helping in the years to come.

Review from verified client

November, 2023

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.

Chirag's reply

Jon - thanks for leaving a review - I appreciate how busy you are! It has been a pleasure working with you over the past decade, and i look forward to it continuing for years to come!

Review from verified client

November, 2023

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.

Chirag's reply

Rob, Thanks for taking time out from your very busy schedule with work and family life! I really appreciate the kind words, and being part of the process to achieving your stunning property aspirations! Many thanks for the decade of kind referrals too - It is greatly appreciated.

Review from verified client

November, 2023

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

Chirag's reply

James, Thanks for leaving a review, as I know how busy you are, and thanks for a decade of kind referrals!

Review from verified client

September, 2023

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

Chirag's reply

Dean - It is always a pleasure to speak to you and Rosie, as i know you are both super busy! I'm delighted that despite the hike in general interest rates, you were both calm and considered, and always open to a holistic discussion about your full financial situation, to help us construct an affordable solution, that aligns with your future property plans.

Review from verified client

August, 2023

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.

Chirag's reply

Thank you very much for your kind review Jane. From our initial chat to achieving the mortgage offer, your speedy assistance and understanding have been essential and we look forward to completion very soon.

Review from verified client

August, 2023

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

Chirag's reply

Keith, Thanks for taking time out of your busy schedules to leave a review. It is always a pleasure to help you and Jen - and it's rare to share a laugh when discussing mortgages!. Both of you live busy lives, but always make time for the mortgage and proactively engage with all aspects of the process - Vicky and I really appreciate this. We look forward to serving you both for many years to come!

Review from verified client

May, 2023

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….

Chirag's reply

Tushar - It was a pleasure to help again, and even more to see the beautiful transformation of your family home.

Review from verified client

January, 2023

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.

Chirag's reply

Enid - Thanks for leaving your thoughtful review. It was an absolute pleasure to help you. We hope to exceed your expectations in the future too.

Review from verified client

September, 2022

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.

Chirag's reply

Vicki - I really appreciate you taking time out of your busy schedule to leave a review. Your foresight to lock in rates early combined with your swift assistance at every stage helped us secure a low long-term rate in the current market, and achieve a mortgage offer in record time, and we look forward to working again the future.

Review from verified client

September, 2022

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.

Chirag's reply

Maureen - I really appreciate your time in leaving a comprehensive review. It was a joy to create a financial solution to achieve your beautiful property aspiration, and your clarity and responsiveness at all stages really helped us reach a successful outcome. I really look forward to hearing about you collecting the keys to your wonderful family home soon!

Review from verified client

September, 2022

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.

Chirag's reply

I really appreciate you taking time out of your very busy schedule to leave a review. I know it has been quite a journey to find that perfect family home - but what a treasure you found! I am honoured you entrusted us with your special purchase, and your clarity and swift support with the paperwork has been rewarded with an approval. Every success for the future, and look forward to hearing about completion soon!

Review from verified client

August, 2022

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.

Chirag's reply

Rob - Thanks for taking the time out of your busy schedule to leave a comprehensive review. It has been a pleasure to see your property journey and ambitions in the last decade, and I hope we can support your growing family in the decades to come!

Review from verified client

August, 2022

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

Chirag's reply

Kelly - It is always a delight to help you and Ian. I wish i had your maturity at that age! I know you had excellent foresight to purchase the current home in very tough market conditions, and i hope to support you both with your mortgage needs as they evolve in the future again.

Review from verified client

July, 2022

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

Chirag's reply

Asher - you have had some real trials and tribulations along your journey to that elusive first home! I'm so glad we were a part of your journey throughout, and it is always a pleasure to help you as a first time buyer as this is such a massive stepping stone you are embarking on. You have always been mature in your nature, and taken our advice and been proactive, and equally understood the need for protection and will planning too, and it has been a joy to help achieve the finance part of process so quickly - 1 working day from application to offer - quite incredible! I am looking forward to hearing about completion in the near future.

Review from verified client

July, 2022

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

Chirag's reply

Ani - Thanks for taking the time to leave a review. It was my pleasure to help you and Tim, and its nice to inject some humour into any mortgage conversation! I look forward to hearing about completion in due course on your beautiful family home soon!

Review from verified client

June, 2022

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.

Chirag's reply

James, It was a pleasure to help you and Jordan, especially with the pressure you have been under! I really appreciate you finding time to leave a review, and i wish you a swift completion.

Review from verified client

June, 2022

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

Chirag's reply

Paul - thanks for leaving a review, as i know how many balls you are juggling! I look forward to hearing about completion on your beautiful family home very soon!

Review from verified client

May, 2022

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!

Chirag's reply

Veronica - it was a pleasure to help you and I am glad you have found your perfect little piece of London. As a business, we never forget we were all first time buyers once!

First impression from a user who is not yet a client

May, 2022

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.

Chirag's reply

Delighted to have helped Steve - thanks for leaving a review.

Review from verified client

April, 2022

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

Chirag's reply

Thanks for taking time to leave us a review. It was a pleasure to have served you both. Your foresight to have requested a review early has really paid dividends!

Review from verified client

April, 2022

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

Chirag's reply

Rob - I really appreciate you finding time so soon after completion to leave such comprehensive feedback! As I know how much this home means to the whole family, it was a delight and pleasure to have been a part of the process, and it is testament to your excellent organisation and clarity of thinking that you have the keys to such an impressive property!

Review from verified client

April, 2022

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

Chirag's reply

Caroline - I appreciate you taking time to leave a review and really appreciate your feedback.

Review from verified client

April, 2022

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

Chirag's reply

David - thanks for taking time to leave a review. It has been a real pleasure to work with you recently and the last mortgage and look forward to serving you for many more years to come!

Review from verified client

April, 2022

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

Chirag's reply

I really appreciate you taking time to leave a review. It was a pleasure to work with both of you, and so glad your patience was rewarded with such a lovely home.

Review from verified client

April, 2022

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

Chirag's reply

Hi Peter - I appreciate your review and rest assured we will always take client feedback seriously.

Review from verified client

April, 2022

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.

Chirag's reply

I appreciate your kind words and delighted we secured everything in time. We will take the portal feedback into account with the developers.

Review from verified client

March, 2022

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.

Chirag's reply

Jon - an absolute pleasure to help, and many thanks for your kind words and support over the last decade!

Review from verified client

March, 2022

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.

Chirag's reply

Thanks for leaving a review Camilla. It was a pleasure to help you and David.

Review from verified client

March, 2022

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.

Chirag's reply

David - It was a pleasure to look after you and Camilla, and glad your patience has been rewarded with the remortgage savings!

Review from verified client

February, 2022

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

Chirag's reply

Dev - it was a pleasure to help you and i wish you all the best with your future career plans.

Review from verified client

February, 2022

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

Refinance

How has Chirag Patel helped you?

Helped to pick the best products

Have you seen the outcome you were hoping for?

Yes

Chirag's reply

Ed - appreciate you leaving a review and glad we’ve locked in a great rate.

Review from verified client

February, 2022

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

Current mortgage deal up. Sought advice from Chirag having used him for a number of years. He’s always excellent!

How has Chirag Patel helped you?

Went over and above to get the best deal for us. Took time to review our options, and even though we ended up going direct to our existing provider Chirag actively helped us with that despite there being nothing in it for him.

Have you seen the outcome you were hoping for?

Yes, every time. Chirag is all about supporting his clients over the long term. He does that well by putting our needs first so that we get deals that work for us.

What could they have done better?

N/A

Chirag's reply

Sarah - thanks for taking the time to leave such a lovely review. It is always a pleasure to help you and Kate, and I wish you the best with the newest addition to the family and look forward to supporting you both in the future.

First impression from a user who is not yet a client

January, 2022

Please provide a brief comment about your experience with Chirag

Responsive, friendly and extremely knowledgeable.

Chirag's reply

Thanks Anna for taking time to leave a review. Look forward to helping in the future.

Review from verified client

January, 2022

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

Needed a new mortgage product.

How has Chirag Patel helped you?

He demonstrated a clear understanding of my requirements. He was able to address a particular need I had with relative ease, which evidenced his knowledge of the market and products.

Have you seen the outcome you were hoping for?

Yes. Above all else, Chirag always provides clear communication and he and his team have excellent project management, which sets them apart for me.

What could they have done better?

N/a. Very happy. My second time using them.

Chirag's reply

Stuart - thanks for taking time out to leave a review. Always a pleasure working with you, and I will pass on your kind words to Vicky too!

Review from verified client

November, 2021

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

I was looking into the possibility of upsizing and wanted some advice about my financial position.

How has Chirag Patel helped you?

Chirag talked me through the various factors that would affect my situation, and advised me that holding off for at least a year would put me in a much stronger position.

Have you seen the outcome you were hoping for?

I wanted clear advice about whether or not it would be a good idea to consider upsizing, which is exactly what I received.

Chirag's reply

Thanks for taking time out of your busy schedule and leaving a review. I’m delighted to have served you over past 5 years and look forward to helping you with the home “upgrade” in the not too distant future!

Review from verified client

November, 2021

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

We were not sure which mortgage to take. Chirag gave clear and easy advice which made our decision easy

How has Chirag Patel helped you?

Always on the end of the phone and nothing to much trouble. Just so professional.

Have you seen the outcome you were hoping for?

We have thanks to his expertise.

What could they have done better?

I have no idea. Paid the premiums ??

Chirag's reply

Philip - You and Heather are always such a pleasure to hear from, and i hope you both enjoy your hard earned retirement ! I had to laugh at the idea of paying your premiums! - i know my clients help me pay my mortgage, so i'd like to thank you for this too! Look forward to hearing about your adventures over the next few years.

Review from verified client

November, 2021

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

BTL

How has Chirag Patel helped you?

I have been lucky enough to use Chirag for years now for mortgage advice.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

N/A

Chirag's reply

Alan - a pleasure to help you as ever! I am glad we were able to lock in historically low rates on both your residential and BTL mortgages and look forward to helping you in the future!

Review from verified client

November, 2021

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

I needed a renewal of my mortgage.

How has Chirag Patel helped you?

Chirag found an excellent deal which matched my requirements and he and his team were very proactive in terms of both finding the deal and then, more importantly, completing it.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really to be honest. I was very happy with the service and outcome.

Chirag's reply

I really appreciate you taking time out of your busy schedule to leave a review. I hope you enjoy your historically low fixed rate and look forward to helping in the future.

Review from verified client

September, 2021

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

We've been with Chirag for at least 10 years, may be even longer. He takes the whole stress out of finding and comparing the best mortgage options for us.

How has Chirag Patel helped you?

Chirag found a great mortgage deal for us - one that we are happier with than our previous one (and we were already happy with that!). He's also saved us a great amount of time guiding us through the process that would have otherwise taken us so much longer without him.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Literally nothing that I can think of. Chirag has been great - he's easy to talk to and explains everything clearly. We will continue to use his services.

Chirag's reply

Pippa - Always a pleasure to help you and Justin - and appreciate your swift assistance despite the lenders onerous requirements these days! I’m particularly glad the deal is a historically low rate and hope it’s even cheaper the next time round!

Review from verified client

September, 2021

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

yes, i was looking to remortgage my flat with the help of an advisor.

How has Chirag Patel helped you?

consistent advice on the process

Have you seen the outcome you were hoping for?

yes

Review from verified client

August, 2021

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

Re-mortgage following property redevelopment. Coming off a 5 year fixed period.

How has Chirag Patel helped you?

Secured us a 7 year fixed term mortgage by guiding us ably through the application process.

Have you seen the outcome you were hoping for?

Yes - very much so. Secured our risk profile and balanced cost against flexibility

What could they have done better?

Nothing. Total satisfaction. Chirag's knowledge, calm demeanour and general professionalism are excellent. He and his support team and able communicators, making the submissions process really easy to get through.

Chirag's reply

Angus - many thanks for taking time to leave a review, and i will share it with Vicky, who will be as delighted as me! A pleasure to serve you and Andrea as always!

First impression from a user who is not yet a client

June, 2021

Please provide a brief comment about your experience with Chirag

Chirag gave excellent, experienced advice regarding our mortgage needs and was extremely professional - I would certainly recommend his services.

Chirag's reply

Cliff - thanks for leaving a kind review. As a fellow small business owner it really helps!

Review from verified client

April, 2021

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

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

My partner and I were looking to buy our first house, and we were recommended Chirag by a relative.

How has Chirag Patel helped you?

Chirag helped guide us through the process of getting our first mortgage, explaining at each step of the way what we needed to do. He understood our specific situation and showed masses of patience where others might not have. He showed great dedication to seeing us through this process, all the while being friendly and approachable.

Have you seen the outcome you were hoping for?

Yes, most definitely

What could they have done better?

Nothing at all.

Chirag's reply

Ike - many many thanks for the 5* review. After a 6+ month process, I think there was relief all round when we received mortgage approval!

Review from verified client

April, 2021

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

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

mortgage needed review

How has Chirag Patel helped you?

Gets to the heart of the immediate mortgage options, but has a good strategic sense of what can be done.

Have you seen the outcome you were hoping for?

I was able to save money on my existing mortgages and invest in a new property

What could they have done better?

Nothing really

Chirag's reply

Robin - Really appreciate the 5* review. It's a pleasure to help you over the past few year's , and glad you have just secured a cracking rate on the residential mortgage.

Review from verified client

April, 2021

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

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

COVID meant that lenders reduced mortgage products and our existing lender's customer service was poor.

How has Chirag Patel helped you?

Chirag advised on mortgage options and secured appropriate lending. He knew the products inside out and gave me quick and direct advice. He also helped find solutions to our ERC issue.

Have you seen the outcome you were hoping for?

Yes, Chirag secured a great deal for us and also gave us far more options than we thought possible. His strategic advice was superb.

What could they have done better?

Nothing - he's brilliant.

Chirag's reply

Peter - an absolute pleasure to deal with you on both a personal and professional level. I hope to look after you and the family for many years to come!

Review from verified client

April, 2021

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

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

Multiple properties, each required remortgage options.

How has Chirag Patel helped you?

Chirag always lays out 2-3 options based on my changing requirements and makes each very clear. His management of the process is excellent.

Have you seen the outcome you were hoping for?

Yes, always very responsive and effective.

What could they have done better?

Nothing

Chirag's reply

Thanks for the 5* review Alan. It’s been a pleasure to help you achieve your property aspirations over the years, and hope to do so for many years to come!

Review from verified client

April, 2021

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

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

I wanted a solution across multiple properties and Chirag was able to find a much more cost effective solution for financing these arrangements

How has Chirag Patel helped you?

Remortgage and a new mortgage for new property

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing he did a fantastic job...

Chirag's reply

Jason - thanks for leaving us a 5* review. It was a delight to help, and i look forward to helping with the property later this year.

Review from verified client

March, 2021

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

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

Buying a new house and looking to transfer and increase existing mortgage

How has Chirag Patel helped you?

Chirag found a suitable mortgage for me, and advised the best option to give me the maximum amount, minimum interest and affordable repayments - all within my in my limit. Chirag is absolutely excellent at explaining the process and works quickly and efficiently. He is friendly, professional and has expertise required and expected. Chirag patiently sat on phone waiting lines with the bank to get me the best result. I had a mortgage approval in days which was very much appreciated, particularly as I was part of a chain in my sale/purchase. I could not be more grateful. I've heard horror stories of other mortgage brokers, with far less agreeable results. I highly recommend Chirag's financial services.

Have you seen the outcome you were hoping for?

Yes, I am very grateful.

What could they have done better?

Nothing

Chirag's reply

Georgina - Thanks for your comprehensive 5* star review and I am very grateful for your feedback - which I will share with the team. I’m particularly delighted you have settled in so quickly into the new home and look forward to helping you later this year.

Review from verified client

March, 2021

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

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

Chirag has arranged my last few mortgages, always extremely professonal, diligent, and reactive with immediate answers to questions

How has Chirag Patel helped you?

Chirag gave me a huge list of options and we discussed the pros and cons, rapidly eliminating many options until we found the perfect plan.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Very little

Chirag's reply

Ivan - A true pleasure to help you as ever. Thanks for taking time out of your busy schedule to leave a review.

Review from verified client

March, 2021

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

To help with recommending and guiding us through a remortgage.

How has Chirag Patel helped you?

Chirag helped us in every conceivable way, going above and beyond what you would hope from an advisor. He was impartial, honest, human and always made himself available to talk to us at time convenient to us, but no doubt inconvenient to him. In short, he's a legend.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Absolutely nothing.

Chirag's reply

Kristian - Many thanks for your very kind review - Vicky and I couldn’t be more delighted reading this. It is helping clients like you that has kept me in this profession for 20+ years.

First impression from a user who is not yet a client

March, 2021

Please provide a brief comment about your experience with Chirag

Chirag was very impressive from the outset, the speed of response and service where fantastic and he went above and beyond even our expectations, which are very high. He was very thorough in his descriptions of products and the communication flow was smooth. We would highly recommend him

Chirag's reply

Andy - thanks for finding the time with your busy schedules to leave a review. it was a pleasure to help you and Anne-Marie, and I look forward to assisting you in the future.

Review from verified client

March, 2021

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

Needed an advisor for the product i was interested in.

How has Chirag Patel helped you?

Advised me on the mortgage options and the particularities of the products I was interested in

Have you seen the outcome you were hoping for?

yes.

What could they have done better?

N/A

Chirag's reply

Thanks Daniel - Glad to have been of assistance.

Review from verified client

March, 2021

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

My fixed mortgage rate was due to expire and increase substantially.

How has Chirag Patel helped you?

Chirag did all the hard work for me by understanding my circumstances and advising on the best options available.

Have you seen the outcome you were hoping for?

Yes! Completing in just 2 weeks from start to finish...with a global pandemic in full swing deserves an award!

Chirag's reply

Zoe - a delight to help, and thanks for your positive review. I am glad you agreed to us instructing an independent conveyancer, as this helped us achieve everything in record time - phew!

Review from verified client

March, 2021

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

We needed to remortgage.

How has Chirag Patel helped you?

It’s been a particularly difficult time over the past few months as we were dealing with cancer treatment as well as lockdown as well as mortgage stuff. Chirag has been brilliant; efficient, thoughtful, patient and most importantly has come up with an approach to our mortgage / finances that we wouldn’t have previously considered but is a much better solution to things given our current situation.

Have you seen the outcome you were hoping for?

Absolutely - in fact a better outcome than we were going for.

What could they have done better?

Genuinely, nothing.

Chirag's reply

Sophie - Many thanks for finding the time to leave a lovely review, with everything you having been juggling! I was a pleasure to help you in my small way, and i wish you and the family a happy, financially secure and healthy future.

Review from verified client

March, 2021

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

Buying my first home with a mortgage.

How has Chirag Patel helped you?

Chirag helped with the options for different mortgages, and worked hard to make the application process successful in difficult circumstances. He provided good advice when my first house buying process ran into problems and I had to look elsewhere.

Have you seen the outcome you were hoping for?

Yes, the outcome was achieved with creative thinking and excellent advice, and a very personal touch to the experience.

What could they have done better?

N/a

Chirag's reply

Giles - many thanks for your kind review and taking the time to do this. I look forward to catching up in the summer.

Review from verified client

February, 2021

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

We were purchasing a new house.

How has Chirag Patel helped you?

He organised the mortgage - amazing product he found as well.

Have you seen the outcome you were hoping for?

Way better than we hoped.

What could they have done better?

Very little, the communication was excellent throughout, the advice succinct and understandable. Super impressed.

Chirag's reply

Gareth - It was a pleasure to work with you, and your swift assistance throughout really helped. What a property! Enough said!

Review from verified client

February, 2021

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

I was looking for adviser who has good knowledge, understanding of the products available in Market. Chirag certaintly has excellent knowledge of market. Depending on your situation, income and circumstances he will help you get maximum advantage

How has Chirag Patel helped you?

Chirag has helped to get maximum equity of my house and BTL. Products he has managed to get it for me are best and competitive and i wouldn't been able to get those by just going to bank or to another adviser.

Have you seen the outcome you were hoping for?

For me outcome has been perfect and has exceeded well over my expectations.

Chirag's reply

Thanks for taking your precious time out Amit to leave us a review. I look forward to meeting up once this lockdown finally finishes!

Review from verified client

January, 2021

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

Confirming advice received by an alternative advisor.

How has Chirag Patel helped you?

He found me a better solution than what I was previously advised to do.

Have you seen the outcome you were hoping for?

Yes - I managed to reduce my monthly mortgage payments whilst also saving money on the pay down required to achieve this.

What could they have done better?

Nothing - all done in good time and hugely appreciate the help!

Chirag's reply

Emily - Many thanks for taking out time to provide our business a the positive review. It was a pleasure to help, and i wish you every success in 2021.

Review from verified client

January, 2021

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

Needed to renew mortgage

How has Chirag Patel helped you?

We told him situation and he laid out our options.

Have you seen the outcome you were hoping for?

yes

What could they have done better?

No complaints- fast, efficient and friendly.

Chirag's reply

Happy New Year Roisin! - Thanks for the positive feedback and for taking time out to leave a review.

Review from verified client

December, 2020

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

Purchasing a property, so we required a mortgage.

How has Chirag Patel helped you?

Chirag gave us sound advice regarding the available mortgage options. Also, both he and his colleague Vicky were very helpful in getting our mortgage drawdown completed when there were a few last minute issues.

Have you seen the outcome you were hoping for?

Yes, we have got a very good deal on our mortgage and are happy in our new property

What could they have done better?

No, I would not say there anything there was anything he could have done better. The advice was considered and easy to understand.

Chirag's reply

Jonathan - I really appreciate you taking time out after recently moving to do the review. It means a lot to me and Vicky that you were looked after throughout the process, especially with all the hurdles you had along the way up to the last minute!

Review from verified client

December, 2020

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

Needed to remortgage, reduce interest charges and use increased property valuation to release some funds for self-improvement to the property.

How has Chirag Patel helped you?

First arranged a temporary new rate on the existing mortgage which saved money during the process of setting up the new mortgage. A large amount of hassle was taken on by the company which meant my time involved in the process was much less than having to remortgage by myself.

Have you seen the outcome you were hoping for?

Yes, I've achieved all of my objectives and the process took a very reasonable amount of time to achieve.

What could they have done better?

I have no areas that could have been significantly improved.

Chirag's reply

Many thanks for taking the time to leave a review Dave. It was a pleasure to help you again, and i'm glad everything is "wrapped up" before Christmas!

Review from verified client

November, 2020

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

Purchase of a home & a brand new mortgage was needed.

How has Chirag Patel helped you?

He guided us through a very tricky application, offering us great advice & service throughout! This being a completely new process to us, he is always on hand for any queries we have & extremely helpful.

Have you seen the outcome you were hoping for?

We very much had the outcome we were hoping for! Chirag achieved in getting us a great mortgage offer.

Chirag's reply

Hi Ellie, Thankyou for taking the time to complete such a lovely review. Vicky and I are delighted you have received your mortgage approval, and look forward to hearing about completion very soon.

Review from verified client

November, 2020

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

Changing mortgages

How has Chirag Patel helped you?

Found us a great mortgage option for our situation

Have you seen the outcome you were hoping for?

Yes

Chirag's reply

Sarah - Many thanks for taking time to do the review. I am delighted you found your dream family home and we secured it in time for Christmas!

Review from verified client

November, 2020

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

Mortgage needed for first property purchase, and re-mortgage recently.

How has Chirag Patel helped you?

Chirag was able to provide me with first class advice and service from the start, all the way through to completion of my mortgage applications.

Have you seen the outcome you were hoping for?

Yes most definitely. Chirag and his team have been professional throughout, he is always available should I have a query and he has made the process so much easier to deal with.

What could they have done better?

In my experience there was nothing to fault. Chirag is a very experienced advisor, with the dedication to his work which sets him apart from most. I would be happy to recommend his services to anyone looking for mortgage advice.

Chirag's reply

Thank you for your kind and appreciative words. I look forward to helping you for many years to come.

Review from verified client

October, 2020

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

To source a mortgage for my property purchase

How has Chirag Patel helped you?

Found a mortgage which suited my requirements

Have you seen the outcome you were hoping for?

Yes. I have received a mortgage offer.

What could they have done better?

Nothing to add. The whole process was efficient and professionally managed.

Chirag's reply

A pleasure to help again. Thanks for taking the time to do the review.

First impression from a user who is not yet a client

October, 2020

Please provide a brief comment about your experience with Chirag

Lovely guy and very knowledgeable.

Chirag's reply

Leisa - I appreciate you taking the time to review my service. I look forward to helping in the future.

Review from verified client

October, 2020

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

I needed to remortgage

How has Chirag Patel helped you?

We had a very complicated situation with three different mortgages on a single property with different fixed terms. Chirag very clearly set out all of our options with the pros and cons of each which allowed us to make an informed decision.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Chirag's reply

Tom - It was a pleasure to help so far, and i look forward to consolidating everything into one rate in the future. Many thanks for leaving a review.

Review from verified client

October, 2020

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

I originally needed to secure a personal mortgage on my home

How has Chirag Patel helped you?

He was incredibly insightful and provided a number of different options that best suited my circumstances. A very bespoke approach which was most pleasing.

Have you seen the outcome you were hoping for?

Yes, I did. In fact Chirag has secured several other mortgages for me in the last couple of years, all of which had their own particular set of considerations.

Chirag's reply

Rob - Its always a pleasure to speak to you. Thanks for completing a review. I always love your entrepreneurial approach and how you always support your whole families property aspirations.

Review from verified client

October, 2020

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

looking to remortgage my property.

How has Chirag Patel helped you?

He took the time to clearly understand my requirements and then provided me with the best options taking into account my income as a self employed company director. Both Chirag and his team kept me updated on the progress throughout the process ensuring a smooth and hassle free remortgage which is rare.

Have you seen the outcome you were hoping for?

Yes we did, and very pleased to now have much lower monthly payments and to have a fixed rate mortgage providing me and my family with the financial peace of mind for the future.

What could they have done better?

Nothing, his service was first class!

Chirag's reply

Thanks for your kind comments and completing a review . I Look forward to assisting in the future.

Review from verified client

October, 2020