Frazer Horton

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

10 different pension pots

How has Frazer Horton helped you?

Amalgamated some and left 2 alone because of returns

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 wanted to take early retirement aged 61, needed confirmation that financially i could affoed to do so.

How has Frazer Horton helped you?

They have been excellant from the start and continue to give excellent support and advice when required.

Have you seen the outcome you were hoping for?

Yes definately really happy with outcome.

What could they have done better?

Cannot think of anything that could be approved upon.

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

Coming up to retirement

How has Frazer Horton helped you?

Guidance in maximising income from pensions and managing savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of

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

Original pension adviser retiring.

How has Frazer Horton helped you?

Frazer has continued to ensure my financial situation remains very healthy

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Can't think of anything?

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

Redundancy payment

How has Frazer Horton helped you?

Investments and long term planning and tax efficient savings

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure

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

To remortgage an existing property.

How has Frazer Horton helped you?

By finding the best deal available to suit our needs.

Have you seen the outcome you were hoping for?

Yes,we are very pleased with the final outcome.

What could they have done better?

Nothing really.

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

retirement.

How has Frazer Horton helped you?

He has kept our investments safe and on track with inflation.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Not sure.

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

Investing my frozen pensions and receiving a cash lump sum.

How has Frazer Horton helped you?

By explaining all my options and providing me with the best possible outcome whilst keeping any necessary costs for services at an acceptable amount.

Have you seen the outcome you were hoping for?

Yes overall I am pleased with the advice, as I am receiving a monthly amount and my initial investment is still growing.

What could they have done better?

Not sure really, all my questions were answered in an easy to understand format and I have always been kept informed of any changes.

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

Pension advice

How has Frazer Horton helped you?

Explains all the alternatives available in a way which can be understood

Have you seen the outcome you were hoping for?

In many ways

What could they have done better?

Contacting myself for a review

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

I was coming to the stage were I wanted to know the best way forward with my pension financially, now and in the future

How has Frazer Horton helped you?

he has given me good advise as to my present situation, and the best way forward for me, that gives the maximum, with the less stress going forward

Have you seen the outcome you were hoping for?

yes, so far everything seems to be in place, and I am happy with how things are going at this stage

What could they have done better?

to be honest they give to best advise, and are very patient, and answer any question clear and precise, and willing to help in anyway they can, to helpful to you

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

Frazer was recommended by a retiring Financial Advicer to help us sort out our finances.

How has Frazer Horton helped you?

Frazer Horton is patient, takes time to explain everything thoroughly.

Have you seen the outcome you were hoping for?

No , it's early days yet, but we are very hopeful.

What could they have done better?

He has been a hundred percent so far, can't fault him.

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

I was looking to retire early, I had seven different pensions that I needed advice on, I.e type of pensions, if they are worthwhile taking on drawdown and ultimately if I was in a position financially to retire. I was provide excellent advice and have since retired. They were excellent throughout.

How has Frazer Horton helped you?

See abonentët.

Have you seen the outcome you were hoping for?

Yes see abonentët.

What could they have done better?

Not anything that can think of

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

Redundancy money to invest

How has Frazer Horton helped you?

Investments and tax saving through pension contributions

Have you seen the outcome you were hoping for?

Still to be seen

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

I was retiring and have various financial sources for my retirement that I wanted advice on how best to utilise

How has Frazer Horton helped you?

He has been informative regarding my pension investments and has provided good guidance on how best to manage my other various investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I can think of

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

I needed specialised advice.

How has Frazer Horton helped you?

Frazer has helped me in all my financial affairs.

Have you seen the outcome you were hoping for?

Frazer’s advice has always proved to be very effective.

What could they have done better?

They could not have improved on the service they have given me.

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

Needed help setting up a private pension and life insurance

How has Frazer Horton helped you?

Set up pensions, insurance policies, remortgage

Have you seen the outcome you were hoping for?

Yes

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

I had 9 pensions and needed advise on how to either join them or leave them as a seperate item

How has Frazer Horton helped you?

Frazer looked into each pension and told me which ones to join together and which pension to collate them with and which ones should be left aqlone as a stnd alone pension

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?

Investing in a second home

How has Frazer Horton helped you?

With moving home and remortgaging

Have you seen the outcome you were hoping for?

No

What could they have done better?

I don't know

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

The need for a mortgage advisor that could navigate a unique set of circumstances.

How has Frazer Horton helped you?

Frazer is very knowledgeable about the market. He and his team are effective and efficient in their work and get the job done quickly.

Have you seen the outcome you were hoping for?

Absolutely!

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

How has Frazer Horton helped you since your last review?

We have had a meeting to discuss Madelene Wilkinson's state pension and future payment amounts including N.I.

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

Impending retirement.

How has Frazer Horton helped you?

Given clear advice with detailed projections enabling us to make informed decisions.

Have you seen the outcome you were hoping for?

I believe so yes.

What could they have done better?

Can't think of anything!

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

How has Frazer Horton helped you since your last review?

Reviewed pension arrangements

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

Sold our previous house and to assist with our mortgage position to secure our new house.

How has Frazer Horton helped you?

By providing us with a secure long term mortgage product at a competitive rate in comparison to where the mortgage market is today.

Have you seen the outcome you were hoping for?

Yes, indeed.

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

First-time buyer not familiar with the process.

How has Frazer Horton helped you?

Explained the process and drew out from me any information and advantage I may have to get better than average deals.

Have you seen the outcome you were hoping for?

yes

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

How has Frazer Horton helped you since your last review?

Frazer Horton was able to get us a mortgage that was 100k GBP more than other mortgage advisors. This allowed us to buy a first-time property that will be our long-term home.

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

Needed a mortgage. Needed advice on my pension options etc.

How has Frazer Horton helped you?

Frazer was very understanding, explained everything thoroughly, and advised me on the best mortgage deals suitable for my circumstances. He arranged everything and kept in constant contact with me. Also advised me on pension options available to me.

Have you seen the outcome you were hoping for?

Most definitely, and he has just finished advising/arranging a change of mortgage terms so that I am getting the best value and paying at one of the lowest rates available.

What could they have done better?

Nothing.

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

To take early retirement,due to bad health

How has Frazer Horton helped you?

By supplying me with a equity release mortgage,and rearranging my pension

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Every thing was dealt with very professionally

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

Re mortgage of residential property Buy to Let mortgage for purchase from f investment property.

How has Frazer Horton helped you?

Frazer sourced suitable mortgages for both my remortgage and the investment purchase. Julie and the team were brilliant at monitoring progress and chasing lenders where necessary.

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?

we were looking for a retirement pension based solely on our pension income. we are in our 70's, currently renting after sale of our home prior to the pandemic. we needed to bridge a gap between our capital and the purchase price of the only suitable property we'd found after many months of searching.

How has Frazer Horton helped you?

FH enthusiastically wanted to help. we have had prior contact some time ago, but this was a fresh challenge. His enthusiasm significantly reduced the potential anxiety we were about to face. He searched all possible options and found two that suited the purpose. One fell out because of an absurd policy issue that FH tried extremely hard to overcome but couldn't in the end. the second went as smoothly as one could imagine. all along the way his assistant JG was superb, allaying all anxieties and keeping me abreast of developments, chasing when necessary. a superb service all round.

Have you seen the outcome you were hoping for?

Yes. we obtained an interest only retirement mortgage at a very reasonable interest rate.

What could they have done better?

Nothing. The relationship built between FH, JG and me was the best possible from my perspective. everything took time but in the end it all turned out well for us.

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

We used this company to deal with the mortgage application for our move.

How has Frazer Horton helped you?

The service from start to finish was brilliant. Both Frazer and Julie are very knowledgeable and helpful. Communication was fantastic from start to finish. I would highly recommend this company.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A. Can’t fault the service we received

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

Wanted to get the right mortgage as a self employed person that needed to find a way to make my finances work in terms of moving to another property

How has Frazer Horton helped you?

Frazer has been very personable, transparent and pleasant when responding to any question or query I had. He gave us all the time we needed and made things very clear to us. He found us the right rates and in a timely manner

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing we are super pleased with the service

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

Pension & mortgage

How has Frazer Horton helped you?

Find the best options for me

Have you seen the outcome you were hoping for?

Yes

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

I needed to remortgage my B2L portfolio and Frazer enabled me to remortgage everything on the best rates.

How has Frazer Horton helped you?

Remortgage

Have you seen the outcome you were hoping for?

Yup. It's all worked out very well

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

How has Frazer Horton helped you since your last review?

We have a meeting booked for early January to discuss a pension maturity

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

How has Frazer Horton helped you since your last review?

Advise on pension investment

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

How has Frazer Horton helped you since your last review?

Yes

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

How has Frazer Horton helped you since your last review?

He did some research into additional borrowing but we changed our mind

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

I wanted to take early retirement

How has Frazer Horton helped you?

By showing available options and scenarios.

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?

Initial mortgage 5 years ago and a remortgage more recently.

How has Frazer Horton helped you?

He gave sound advice on how we should structure the mortgages and our finances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Perhaps kicking off the remortgage process a little earlier would have been helpful

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

Buying a house

How has Frazer Horton helped you?

Frazer is very unique. He is in my opinion actually the best and most sophisticated mortgage advisor anybody could possibly hope for. Frazer takes a lot of time to find the ideal mortgage for each person he advises. He does it all with great humour, compassion and enormous intelligence. I can’t recommend him warmly enough- simply the best!

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Nothing!

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

Buying a property

How has Frazer Horton helped you?

Was able to get us a higher DIP than other advisors.

Have you seen the outcome you were hoping for?

Yes, even exceeded!

What could they have done better?

Not much.

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

Review my existing pension plan search

How has Frazer Horton helped you?

By carefully choosing. A plan that I was happy with

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 was due to retire, and needed to consolidate a number of pensions before doing so, I also needed advice on annuities, and drawdown to find out which was best for me.

How has Frazer Horton helped you?

He arranged a new pension investment company, to consolidate my pensions, and also the drawdown from another company, to finance my retirement.

Have you seen the outcome you were hoping for?

Yes, and I am very happy with the results.

What could they have done better?

As far as I am concerned Frazer has done everything required.

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

Transfer of a works pension.

How has Frazer Horton helped you?

Frazer worked with my wife and I. Both Frazer and his team were helpful, open and honest with the advice they gave. Not a bad cup of tea either!

Have you seen the outcome you were hoping for?

Yes, this is an ongoing relationship, taking advice moving forward.

What could they have done better?

At this time we are very happy with the help and advice given.

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

Moving home help

How has Frazer Horton helped you?

Help us with how mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

They done they best

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

I didn’t know where to begin

How has Frazer Horton helped you?

20 years ago we were given an introduction to Frazer and have never looked back. He has energetically engaged with problems and never failed to come up with an answer to the most difficult situations. We think the world of him and his company!

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nithing

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

Remortgage & consolidated debt

How has Frazer Horton helped you?

Arrange to the whole process

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - I'm very pleased with there service

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

To re mortgage properties

How has Frazer Horton helped you?

Succeeded in securing best possible mortgage deals

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Excellent service

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

I have been a client of Frazer for a very long time over multiple mortgages and remortgages.

How has Frazer Horton helped you?

Frazer has always been excellent at strategising the best solution sometimes in complicated circumstances.

Have you seen the outcome you were hoping for?

Yes Frazer has always been able to achieve our desired outcome

What could they have done better?

Frazer has continually improved over the years and got to know my financial and credit history very well therefore seemed to do better each time.

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

I needed a bit advice than a mortgage broker could provide.

How has Frazer Horton helped you?

Provided sound advice, clear explanations & good service

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I was really happy with the service offered bt Frazer & his team .

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

Mortgage low rate was finishing after 5 years

How has Frazer Horton helped you?

Sorting best low rate working what worked for my wife and I

Have you seen the outcome you were hoping for?

Yes I have, lower interest rate, making same payments but has reduced mortgage by a year, with over payments will reduce a short time for the mortgage term

What could they have done better?

Make sure that there system indicates when to contact clients, when mortgage term is finishing

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

We were applying for mortgage as a couple, and due to couple of reasons 1) My Commission based salary , 2) My Wife being International resident in UK 3)Wife's employer being an family friend our case was complicated as is on top of that covid pandemic had made lenders narrow their requirements even further. Apart from this our first mortgage application had been rejected. We had lost all hope yet we needed a house to move out hence we kept looking for mortgage broker and luckily got introduced to Frazer in right time.

How has Frazer Horton helped you?

He understood our situation, asked several questions and even studied our case in detail from the first call we had with him . He was very positive and confident that he could help us regardless of the complexities. He done his homework and worked out the results within the 24 hours of us knowing him.

Have you seen the outcome you were hoping for?

We just held our breath through the whole process yet when we saw the outcome of the whole process ,it was an excellent outcome.

What could they have done better?

Will will change nothing about how Frazer and Julie dealt with the whole process.

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

Seeking a mortgage

How has Frazer Horton helped you?

He was very knowledgable about the various mortgage options, supportive and patient with us while we considered our options.

Have you seen the outcome you were hoping for?

Yes, very much so.

What could they have done better?

Nothing.Frazer is the best financial adviser we’ve come across and have been happy to recommend him to others.

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

Me and my husband were bit on older side to get mortgage and Frazer and his team made it possible for us. I had lost complete hope to get mortgage as first time buyer.

How has Frazer Horton helped you?

He advised me and helped get all required paper needed for a self employed client. It took time & costed money though but the end result was amazing.

Have you seen the outcome you were hoping for?

Amazing very happy and would recommend him.

What could they have done better?

By reducing their share.

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

Moving House and area and retirement.

How has Frazer Horton helped you?

He steered us through pension drawdowns and advised on how best to retain the standard of living we had when we were working. How to make our pensions work for us in a tax friendly way.

Have you seen the outcome you were hoping for?

Yes we are very happy.

What could they have done better?

Can't think of anything we are very happy with the service.

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

A friend of mine recommended Frazer to me a few years ago to help with re-mortgaging my house. Frazer and Julie were so helpful and efficient. After such an easy process with my mortgage I asked for further help with arranging a private pension, ISA and income protection. After a meeting with Frazer these were all set up after a full explanation and I was made to feel confident and happy with the advice I was given in regards to where my money was being invested. I feel like the best products were found for me in regards to my income protection and that the best deal was found for me.

How has Frazer Horton helped you?

Frazer has been helpful in explaining products and making me feel confident in investments. Julie and Hayley are also so helpful and quick to answer any emails. I feel comfortable with asking any queries I have, nothing is too big or small for the team. This is really important to me as I did not have much knowledge before on these areas.

Have you seen the outcome you were hoping for?

Yes. I will be using Frazer Horton services for years to come!

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

I wanted to take early retirement (at age 60).

How has Frazer Horton helped you?

By helping me to review my finances and investments so that I could secure an income for now and the future

Have you seen the outcome you were hoping for?

Yes, definitely. I was able to retire and have been able to realise my dreams of travelling around the world with my husband and family.

What could they have done better?

I have nothing negative to say. All the team members were very supportive and helpful. THANK YOU!!

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

Needed help finding the right mortgages.

How has Frazer Horton helped you?

Helped finding those mortgages.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I thought they did everything they could to find the mortgages for me.

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

My circumstances (Bankrupt 2009) & newly self employed (2020) meant a High Street mortgage was closed to me.

How has Frazer Horton helped you?

Frazer has assisted with mortgage sourcing for me. He has also assisted with life Insurance & is now advising on pension planning

Have you seen the outcome you were hoping for?

Yes! Frazer found rates I didn't think were possible & cut all of the stress out of the process

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

How has Frazer Horton helped you since your last review?

We have not contacted Frazer since our last review as everything is running smoothly, we are due an update in February 2021.

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

How has Frazer Horton helped you since your last review?

Helped secure mortgages on multiple properties. Excellent service and went above and beyond with all aspects of the work needed

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

Wanting personal and professional mortgage advice and products

How has Frazer Horton helped you?

Suppling the above for a number of years

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 bought my first home in 2020

How has Frazer Horton helped you?

Frazer gave me an idea of what price of property I'd reasonably be able to afford. He was honest and candid about the advice which guided my looking for a home and the entire process f purchasing.

Have you seen the outcome you were hoping for?

I bought my first home in early 2020.

What could they have done better?

I don't think there's anything I'd have wanted done differently.

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

Haviving had another property I was finding it hard to find a lender

How has Frazer Horton helped you?

Frazer found a lender with a good rate. He gives great advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

My overall experience was great, I have referred a few friends and also came via a referral

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

We needed a mortgage and were advised to use an advisor

How has Frazer Horton helped you?

He arranged a mortgage which allowed us to buy the land and property we wanted

Have you seen the outcome you were hoping for?

Yes .. moving soon

What could they have done better?

We had excellent communication with Frazer and Julie his assistant and they really made us feel that our mortgage was important to them

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

Mortgages

How has Frazer Horton helped you?

Very well

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?

Was looking for a mortgage.

How has Frazer Horton helped you?

He advised me on the best mortgages available at the time, and what deposit I should be looking at. He found me the best deal, and kept me up to date constantly by email and telephone conversations whilst it was proceeding. He just made the whole experience pleasant minus the stress.

Have you seen the outcome you were hoping for?

I have, and if I need any other financial advice I will not hesitate to contact Frazer Horton again.

What could they have done better?

To be perfectly honest I cannot think of anything else he could of done better at that time.

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

Retirement

How has Frazer Horton helped you?

Was able to collate the information regarding our circumstances and discuss and present the options for the future in an easy to understand way.

Have you seen the outcome you were hoping for?

So far so good!

What could they have done better?

An online portal to reference all the planning and see how it's progressing would be good

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

I needed someone who could help me grow my portfolio

How has Frazer Horton helped you?

Frazer has made getting all my re mortgages and mortgages easy and always gets me the best deal.

Have you seen the outcome you were hoping for?

Yes . Its all so much more organised

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

How has Frazer Horton helped you since your last review?

Frazer and his team are always helpful, one of the team even realised we were making an error in payments and phoned us to let us know. If I ever need to call them about something there is always someone around to be able to talk to.

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

How has Frazer Horton helped you since your last review?

Pension investment and Retirement planning, Annuity or Drawdown

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

How has Frazer Horton helped you since your last review?

He has given pension advice & has changed the provider.

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

How has Frazer Horton helped you since your last review?

He has advised us regarding our long term plans and has put in place a good financial plan with reference to our future retirement. We are very pleased with what he has done.