Goss Lumsden

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

To review my pension plan

How has Goss Lumsden helped you?

By bringing together various Company pensions I have gathered over many years

Have you seen the outcome you were hoping for?

Yes, Things are coming together nicely

What could they have done better?

Nothing. Everything has been explained to the last detail

Please provide a brief comment about your experience with Goss

Goss was very helpful but it was not practical or cost-effective to proceed with him

Please provide a brief comment about your experience with Goss

Extremely knowledgeable and helpful. Highly recommend and will hopefully be working with Goss in the future

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

Wanted Professional advice

How has Goss Lumsden helped you?

Listened to our requirements then clearly explained our options before arranging everything for us

Have you seen the outcome you were hoping for?

Yes - very pleased with everything

What could they have done better?

Very happy with service - could have been quicker but believe that was the fault of our pension provider not our financial adviser

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

Pension check up

How has Goss Lumsden helped you?

Always explained pension and what's going on with it , extremely helpful and friendly would have no hesitation recommending Goss to freinds.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything fine , don't think I could ask for more

Please provide a brief comment about your experience with Goss

Very approachable and informative

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

To take charge of my private pension for a better returns

How has Goss Lumsden helped you?

My initial engagement was with Leighton Parks. I presume my account was passed to Goss, and so far, he has fulfilled his duties in providing updates on my pension.

Have you seen the outcome you were hoping for?

I was hoping for a better outcome compared to other providers that are performing much better in this field, such as pension services. Also, the fees are a bit high for the return.

What could they have done better?

To do better, I presume it has to do with the portfolio they have available with True Potential.

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

To invest wisely with reliable advice

How has Goss Lumsden helped you?

Goss has always been prompt with enquiries and keeps in touch regularly to review products and explain changes. Courteous and very friendly with clear advice.

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?

Had money to invest, retirement, etc

How has Goss Lumsden helped you?

Always been available for advice, pleasant to chat with, we get on fine.

Have you seen the outcome you were hoping for?

We would all like to see our investments etc grow fast & gain us loads of profit,, but you have to be sensible, mine I think are doing ok

What could they have done better?

All is fine

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

Liquidation of assets

How has Goss Lumsden helped you?

Regular reviews & management of my investment portfolio. Friendly advice and forward financial planning to suit my future needs.

Have you seen the outcome you were hoping for?

The UK markets haven't helped the situation but the recommended suite of investments has done well considering the external events

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

Dramatic health changes to one of us has resulted in seeking advice and guidance to secure lifestyle changes to income and long term financial planning .

How has Goss Lumsden helped you?

Goss looked at our changing circumstances and identified better investment opportunities and income than what our initial ideas and choices were. After very careful consideration, detailed discussion and further investigation, we chose to compromise our ideas and changed our retirement plans to take a better opportunity and outcome .

Have you seen the outcome you were hoping for?

Yes our financial security, income and long term investment is well catered for and delivers increased income to match our changing lifestyle goals.

What could they have done better?

If there was anything I could identify, it would have been to act earlier - to take advantage of high annuity rates and avoid the hardships we encountered during a long period of extreme financial hardship whilst having to endure the long extended period of cancer treatments. Having said that , - I should have equally involved his guidance much sooner than I did - and regret that I didn’t.

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

Pension planning and investment

How has Goss Lumsden helped you?

Goss has been a tremendous help in my pension retirement plan, and has done so for many years. he has a very straight forward approach and explains all in simple terms.

Have you seen the outcome you were hoping for?

Yes

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

Personal health circumstances drastically changed our income, outgoings, - and affected our future financial wellbeing this year. We decided to seek help and guidance to improve our finances now - and the future and although ideas were sound reasons to seek advice, his personal involvement drastically impacted our independence in the lead up to our statutory government retirement entitlement age.

How has Goss Lumsden helped you?

He helped us explore different investment opportunities and to guide us through opportunities outside a drawdown pension by taking advantage of better investments in current fixed rate annuities. This helped us to improve current and immediate future earnings but limit deterioration of funding from our investments.

Have you seen the outcome you were hoping for?

It’s early days , but already we have less anxiety and great hopes of being better financially secure, while having to process a serious health and wellbeing situation, hopefully for the short term future.

What could they have done better?

We could have acted in hindsight six months earlier when first informed of a health diagnosis, so perhaps should have better communicated , but hindsight would have been a nice gift to have.

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

close to retirement

How has Goss Lumsden helped you?

clear and uncomplicated advice on options

Have you seen the outcome you were hoping for?

In general yes

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

Reaching retirement age with several pension funds

How has Goss Lumsden helped you?

Absolutely recommend Goss providing me with valuable easier to understand information

Have you seen the outcome you were hoping for?

Yes I certainly have

What could they have done better?

Nothing

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

I have used Prosser Knowles for years and was introduced to Goss a couple of years ago

How has Goss Lumsden helped you?

How’s has helped in Oension planning

Have you seen the outcome you were hoping for?

Yes , we have just had our 12 month review and are pleased with the service and attention we have received from Goss

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

I had several pensions which I wanted to consolidate into one place.

How has Goss Lumsden helped you?

Goss helped me to understand what pensions I had and what the best way forward was. He also then went on to help with mortgage advice

Have you seen the outcome you were hoping for?

Yes, happy with everything that I have put in place, as advised by Goss

What could they have done better?

Goss is always very helpful and always get a prompt response from him; can’t think of anything he could have done any better

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

Retirement

How has Goss Lumsden helped you?

Looks after our investments

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing - Excellent service already provided

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

I had many different pensions and wanted to consolidate.

How has Goss Lumsden helped you?

Goss advised me to transfer some of the funds but to leave 2 of them as they are.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing that I am aware of.

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

Nearing my retirement age prompted me to begin assessing my pension pots and deciding upon my best options. I was looking for an advisor as I wanted some clear advice that was relevant to me.

How has Goss Lumsden helped you?

Goss looked over my existing pensions, he openly discussed how each of my pensions was working and what the best course of action would be to enable me to plan for my retirement. He took time and care over this and his advice and time were invaluable to making my decisions and setting everything up to move forward.

Have you seen the outcome you were hoping for?

Yes, I am happy and confident that following Goss's advice has set me up and taken the worry out of my looming retirement age.

What could they have done better?

Nothing.

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

I needed to reassign a modest pension saving to another provider who will meet my flexible future needs.

How has Goss Lumsden helped you?

He has helped me to assess my requirements, provided advice on the options available, and made full arrangements for the transfer to the new service provider and the future management arrangements.

Have you seen the outcome you were hoping for?

The transfer is still in progress but I am confident that the outcome I wanted will be achieved.

What could they have done better?

Nothing.

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

To manage my pension

How has Goss Lumsden helped you?

Goss has been excellent, I'm not the most financial minded person and Goss fully explains everything and helps understand process. Would recommend him to family and friends

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing , always spot on

Please provide a brief comment about your experience with Goss

As somone with an innate suspicion of the financial services industry I was delighted with the service we received from Goss. He quickly understood our (slightly unusual) situation and offered excellent advice that was entirely impartial and just what we needed. Thanks Goss.

Please provide a brief comment about your experience with Goss

Friendly and easy to talk to. Explained everything very clearly, including any charges and risks involved. Will definitely be using him again.

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

We needed to protect our financial security with specialist knowledge of retirement planning, both financial, lifestyle and property protection. We lacked the expertise in making the right decisions and needed guidance to ensure our decisions were right for our circumstances.

How has Goss Lumsden helped you?

Goss has become a great friend, and has created a trust that helps us to have faith in following his guidance. After listening to our lifestyle choices and personal experiences, he understands our needs and through his investment knowledge - can provide guidance as to what choice of financial decisions we can make. This then forms the basis of a comprehensive retirement plan which we develop over frequent reviews.

Have you seen the outcome you were hoping for?

We have secured a stable and confident investment plan, which provides a reliable investment income for a long term retirement plan. This currently and in midterm - fits with our lifestyle choices, - and whilst investment returns have been troubled through recent global events , we remain optimistic we have sound guidance and support giving us great confidence in our long term goals being achieved.

What could they have done better?

Difficult Global investment volatility remain influential in securing long term excellent growth opportunities, however, we have made decisions to minimise risk and performance too.

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

Mortgage and pension

How has Goss Lumsden helped you?

Goss is an expert in what he does , he gives valuable advise , listens to our needs and always responds quickly.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing very happy

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

We wanted advice regarding life insurance and our mortgage.

How has Goss Lumsden helped you?

Goss has helped us set up appropriate life insurance policies and has recently found us a good rate on our mortgage that comes off its fixed rate shortly.

Have you seen the outcome you were hoping for?

Yes, we are pleased with the service.

What could they have done better?

Nothing.

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

To consolidate 6 personal pensions into one pension plan

How has Goss Lumsden helped you?

Helping to receive tax free pension allowances plus drawdowns

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Did everything I asked for was and dealt with professionally

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

Reccomended by family

How has Goss Lumsden helped you?

He has helped me orgsnise my pension in a professional and friendly manner

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Hes done everything ive asked for im fully satisfied with the service

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

Pension advice

How has Goss Lumsden helped you?

Transferred all my pensions into 1 pot

Have you seen the outcome you were hoping for?

More or less

What could they have done better?

Nothing

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

Pension advice

How has Goss Lumsden helped you?

Given me advice on my nhs 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?

Needed some help finding a mortgage

How has Goss Lumsden helped you?

Sadly the market has been tough for us but Goss has tried hard and is very dedicated to finding us the right option. He has been helping us along the way for 5 years now. We know at some point it’ll fall into place for us.

Have you seen the outcome you were hoping for?

Not yet but that isn't down to Goss. He has been s great help through the whole process

What could they have done better?

Nothing

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

I was re-mortgaging and needed independant advice

How has Goss Lumsden helped you?

Goss has helped me remortage, transfer my pensions and life insurance

Have you seen the outcome you were hoping for?

Yes I have, it's taken a weight off my mind having someone who can explain complex things in a simple way underpinned with a wealth of knowledge

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

We had cashed in a long-standing investment bond and wanted to re-invest the monies as well as to rationalise a number of existing small pension policies and a few ISAs.

How has Goss Lumsden helped you?

We had 3 face-to-face meetings with Goss, the first to assess our requirements and attitude to risk, the second to review and finalise the options discussed at the first and the last to finally sign up. Goss provided all the necessary paperwork, liaising with the existing pension and ISA providers as required.

Have you seen the outcome you were hoping for?

Yes. A tidy 'platform' portfolio with everything in one place and easily monitored, plus the security of having Goss' full attention whenever it might be needed - all at reasonable initial and ongoing percentage costs.

What could they have done better?

Nothing.

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

I wanted to raise money through some form of equity release and Prosser Knowles had previously helped me in finding a mortgage.

How has Goss Lumsden helped you?

Goss Lumsden researched the market for equity release products and retirement interest only mortgages (RIOs) and provided examples of each that he considered best suited our needs. He then carried through the administration required, which was not straightforward, to successfully secure the preferred RIO.

Have you seen the outcome you were hoping for?

Yes, we have secured the RIO we required.

What could they have done better?

Nothing: Goss has been very professional, patient and diligent throughout the process, which has taken several months through no fault of his

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

My partner and I are First-Time Buyers. Not knowing where to start with a mortgage, we searched online for a mortgage broker and came across Goss. After researching the firm and reviews, we decided that Goss was the best option for us Vs the other options.

How has Goss Lumsden helped you?

Goss has support us through a very protracted purchase process, which exceeded 12-months and involved plenty of changed circumstances. Each time input was required, Goss was incredibly responsive to our requests. We have now reached mortgage offer stage and will hopefully be exchanging in the next couple of months. As an add-on, Goss recommended and guided us through a life cover application and highlighted the different considerations we needed to be aware of.

Have you seen the outcome you were hoping for?

Everything within Goss' control has been executed very well. Crucially, we submitted our mortgage offer during a period of increasing interest rates and a very turbulent market. Goss acting quickly ensured we were able to secure a rate which would not have been available to us if it had taken any longer to submit.

What could they have done better?

We have no mortgage experience to benchmark this against, but nothing stands out as being an improvement requirement.

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

Advice for Equity Release

How has Goss Lumsden helped you?

Goss has provided me with advice and illustrations

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 for planning retirement income.

How has Goss Lumsden helped you?

Goss was able to give us the full picture of our current and future financial realities, enabling us to revue and plan for our retirement years armed with pertinent information and sound advice.

Have you seen the outcome you were hoping for?

Yes, we are now able to plan and action what we identified as the best steps toward retirement finance.

What could they have done better?

Nothing.

Please provide a brief comment about your experience with Goss

Good knowledgeable talked clearly and in a straight easy to understand format. His answers were very much in the format of what is best for the client.

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

We required a mortgage product for our new home.

How has Goss Lumsden helped you?

Goss provided various options tailored to our specific circumstances. The advice he gave was invaluable when deciding which product to take.

Have you seen the outcome you were hoping for?

Yes, we are very happy with the mortgage product we opted for.

Please provide a brief comment about your experience with Goss

Yet to meet face-to-face but initial phone calls are positive for the future.

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

I had got divorced and needed someone to advise me on financial planning

How has Goss Lumsden helped you?

He has made something very complicated appear simple

Have you seen the outcome you were hoping for?

Yes I now feel relaxed about my investments and how it will work for my lifestyle

What could they have done better?

Nothing - the service has been excellent

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

buy to let mortgages

How has Goss Lumsden helped you?

finding suitable company and finalizing mortgage arrangement

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All ok

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

We wanted to get advice from someone we trusted who would help us find the right cover for what we needed.

How has Goss Lumsden helped you?

He listened to what we were looking for and to our concerns, then helped us understand what insurance cover we actually needed. Goss also took the time to ensure we understood everything before we proceeded and didn't push us into taking any policies out.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. Goss was really helpful, friendly and professional from start to finish

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

Moving house.

How has Goss Lumsden helped you?

Goss helped us to arrange two mortgages to buy a property and to remortgage our other property so that we could rent it out.

Have you seen the outcome you were hoping for?

Yes, we bought our dream home and retained our other property.

What could they have done better?

We were happy with all aspects of Goss’s services.

Please provide a brief comment about your experience with Goss

During our initial discussions, he clearly presented our possible options for a mortgage and the ways in which he could provide support.

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

Mortgage renewal

How has Goss Lumsden helped you?

Goss listened to our needs and found the best possible 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?

A divorce / separation and looking for advice / a FA to support me.

How has Goss Lumsden helped you?

Goss visited me and I rider stood in depth my circumstances and what I was looking for. He then reached out to all my pensions and contacted me to explain what I had where and advised on next steps. I can’t thank Goss enough.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Please provide a brief comment about your experience with Goss

Excellent FA. I can’t stress enough how much Goss put me at ease and went to lengths to advise and help me with pensions and general financial advise.

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

Buying a new property with my girlfriend and required mortgage and protection advice.

How has Goss Lumsden helped you?

Goss obtained a competitive fixed rate for our new mortgage and also helped us put sufficient protection in place should the worst happen. Goss held our hand through the entire process making us feel completely at ease.

Have you seen the outcome you were hoping for?

Yes we couldn't have asked for more.

What could they have done better?

Nothing.

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

Myself & my partner were looking for a house.

How has Goss Lumsden helped you?

Goss talked me through everything I needed to know, he helped me to understand the process better and took his time to explain things. Goss was amazing at replying to my emails and getting back to me ASAP. He really helped myself and my partner massively throughout the process.

Have you seen the outcome you were hoping for?

Yes, we got our mortgage application accepted and are moving forward with the process.

What could they have done better?

Nothing

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

Mortgage advice

How has Goss Lumsden helped you?

Following major misadvise from a high street bank, I was left with no mortgage offer after agreeing the purchase of a property. Various unusual circumstances meant getting a mortgage offer wasn't straightforward. Goss liaised with several lenders on my behalf and provided me with regular updates on the progress of applications. Due to the unusual circumstances, Goss was kind enough not to charge me for his help at the point of application as is standard practice, but only when I actually received the offer. I definitely wouldn't have a mortgage offer now without Goss' help and advice. Thank you Goss!

Have you seen the outcome you were hoping for?

Yes I now have a mortgage offer allowing me to proceed with the purchase of a second property.

What could they have done better?

N/A

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

Buying my first home on my own, then buying with my partner

How has Goss Lumsden helped you?

Goss has always found me the best mortgage offers and explains every aspect. I have always been able to contact him for advice; he is very quick to respond and always explains jargon so I have a good understanding.

Have you seen the outcome you were hoping for?

Yes, I have had 2 mortgages set up, both of which weren't the easiest (being a solo buyer and then having furlough play a part) but Goss was able to me get good deals nonetheless.

What could they have done better?

Nothing, I can find no faults with Goss' work, he is very professional.

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

Moving home

How has Goss Lumsden helped you?

Goss arranged to port our existing mortgage and additional borrowing to fund a new property purchase

Have you seen the outcome you were hoping for?

Goss was excellent. He dealt with everything efficiently and was always available to answer any questions. Mortgage offer was received very quickly especially in light of the recent stamp duty break. Very friendly and professional.

What could they have done better?

Nothing

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

As a retired Bank Manager requiring independant financial advice I chose Prosser Knowles as a long established and reputable firm.

How has Goss Lumsden helped you?

Goss Lumsden is a good ambassador for the firm, - Personable, professional, and prompt in communication, the mortgage completed in excellent time thanks to his knowledge and recommendations.

Have you seen the outcome you were hoping for?

Yes - I have no hesitation in recommending Goss and Prosser Knowles, and will be using their services in the future.

What could they have done better?

Nothing

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

Annual review

How has Goss Lumsden helped you?

Advised me about potential future pension and how to ensure maximum return

Have you seen the outcome you were hoping for?

Yes I have options depending on circumstances

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

My Daughter looking for her first Mortgage

How has Goss Lumsden helped you?

By finding us the best product to meet our requirements.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

First class service

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

I was looking to move house and needed a new mortgage.

How has Goss Lumsden helped you?

He searched the market place for the best product for me and submitted all relevant paperwork on my behalf.

Have you seen the outcome you were hoping for?

yes the mortgage was issued.

What could they have done better?

nothing the service was excellent.

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

We were looking to remortgage to buy the 50% share from our shared ownership house. We were recommended Prosser and Knowles and stuck gold when we were handed Goss' details.

How has Goss Lumsden helped you?

Goss helped secure us a mortgage. We had struggled in the the past, with being part ownership and having some bad credit. Goss did all he could to help us with our current financial situation. He was very professional, non judgemental and helped us no end. No question was too silly and communication was excellent.

Have you seen the outcome you were hoping for?

Was better than we hoped! Goss was brilliant from start to finish. I couldn't recommend his services enough.

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

Moving house so required new mortgage

How has Goss Lumsden helped you?

Instantly sorted a mortgage offer out for us porting our existing mortgage. Also arranged an extension of the offer when our sale took too long.

Have you seen the outcome you were hoping for?

Yes, Goss' help made this part of the sale/purchase process completely stress free.

What could they have done better?

Nothing.

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

Needed financial advice on planning for my retirement and how to make a number of pensions work best for me.

How has Goss Lumsden helped you?

He did a financial review and explained my pension options and provided a Pension Policy that would provide me with a flexible regular income once retired.

Have you seen the outcome you were hoping for?

I have recently retired with the knowledge that everything will be in place to provide the income that I had planned for.

What could they have done better?

I am satisfied with all aspects of the service provided

Please provide a brief comment about your experience with Goss

too expensive for us

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

Unsure about where to invest my savings

How has Goss Lumsden helped you?

Goss advised me regarding the best options for saving/investing my money and then guided me every step of the way until my investment was complete.

Have you seen the outcome you were hoping for?

It’s very early days - I’ll know better in 12 months time

What could they have done better?

Nothing - Goss Lumsden was extremely professional and helpful throughout the whole process

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

My last mortgage advisor let me down and I needed some help desperately.

How has Goss Lumsden helped you?

Goss Lumsden was amazing. He was efficient, consistent and kept constant communication with me throughout the whole process.

Have you seen the outcome you were hoping for?

Yes. He got me a great mortgage deal.

What could they have done better?

Nothing at all. He was fantastic, came across very eloquently and I would certainly recommend his services.

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

We were not happy with our current provider and on meeting Goss we found him far more helpful and supportive and has continued to be a great help when needed.

How has Goss Lumsden helped you?

He has helped us make sense of our potential retirement income and provided sensible overviews on what we can expect in the future which is key.

Have you seen the outcome you were hoping for?

The pensions are still growing and going in the right direction so at present the answer has to be yes.

What could they have done better?

Can't think of anything to be honest.

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

Review of existing pensions and investments and needing a mortgage

How has Goss Lumsden helped you?

Obtaining a competitive mortgage very quickly and efficiently, carrying out a complete review of my existing pension arrangements and completing a transfer, Arranging a share ISA invesment.

Have you seen the outcome you were hoping for?

The mortgage was very competitive but it is too early to say how well the new pension and ISA are performing although they are looking promising.

What could they have done better?

Can't think of anything!

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

We are First Time Buyers and my parents have always used Prosser Knowles and we were recommended Goss!

How has Goss Lumsden helped you?

Goss has been so patient with me in the search for our 5% mortgage. We came across a few stumbling blocks along the way, but Goss always gave the best advice and in the end, we secured our decision in principle. I am almost certain that if we went direct to a local bank for a decision in principle that they wouldn’t have been anywhere near as helpful and patient as Goss has been with my partner and I.

Have you seen the outcome you were hoping for?

We have secured our decision in principle which is really exciting. We are yet to go through the process of putting in the full application but I have no doubt it’ll be a swift process considering the service we have had from Goss so far!

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

To aid me in securing the required mortgage offer.

How has Goss Lumsden helped you?

He contacted various lenders to fond the best deal for me.

Have you seen the outcome you were hoping for?

Yes, 100%

What could they have done better?

Im my honest opinion, nothing whatsoever. Always answered the phone when he could and would get back to me as quick as possible if he was otherwise engaged.

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

My wife and I were recommended to Prosser Knowles Associates by a friend. We were planning to retire to Mid Wales and just needed to find additional funding to buy the house of our dreams. The traditional mortgage route was out of the question due to our ages.

How has Goss Lumsden helped you?

Initially, we spoke with one of the firms directors Nick Broughton. He was brilliant in assessing our financial situation and recommending the best course of action. He then introduced Goss Lumsden, their mortgage consultant, who amazingly found us an excellent solution called a lifetime mortgage. We are just delighted! Following on from this they then found us much better pension deals which are actually making us money now!

Have you seen the outcome you were hoping for?

Both Goss and Nick were both like a breath of fresh air to us. Of course we have had 'financial advisors' in the past, all of which have been keen to achieve their commission targets, But these guys are a totally different breed! Highly professional, kind, totally transparent and one hundred percent on your side. We cannot recommend them highly enough. It fact we are recommending them to our family and friends as they deserve supporting.

What could they have done better?

Just wish we had met you years ago! We no doubt would have been a lot more wealthy......

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

Buying a new house

How has Goss Lumsden helped you?

Goss was incredible, he secured us fantastic mortgage and insurance deals for our first home. The whole process was clear, swift and never felt pressured. Goss was at the end of the phone whenever we needed him and kept us informed on what we needed to do next along the whole journey. He advised us the whole way, sorted out our paper work and no question was a stupid question. An absolute professional.

Have you seen the outcome you were hoping for?

Most definitely yes.

What could they have done better?

I couldn’t fault Goss one bit, he worked incredibly hard to secure us the best deal for our first home and for our insurance.

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

I was moving house

How has Goss Lumsden helped you?

Goss sorted everything. He found a great deal for my mortgage, house contents insurance and he sorted my life insurance at the same time. He was very quick and efficient and always got back to me either that day or the day after. Great service

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing! Goss was organised and I had complete trust in him to deliver.

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

Mortgage advice

How has Goss Lumsden helped you?

Goss has an exemplary way of dealing sensitively & professional with financial advice. He was able to source the most competitive mortgage on offer & subsequently an Offer was made. Goss is able to build a rapid & strong relationships with his clients, he does this by keeping you updated throughout & explaining everything, in simple terms, step-by-step. Nothing is too much trouble for him. He is an asset to the company he represents & I’m sure he is in for a very bright & prosperous future.

Have you seen the outcome you were hoping for?

Absolutely, yes.

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

I had been a customer of Prosser Knowles with a different adviser, when she left I switched to Goss and could not be happier with the service I have received.

How has Goss Lumsden helped you?

Goss reviewed my pensions and advised me on the best way to manage them to prepare for my future retirement. I have been in pensions schemes all my working life and he took on the task of organizing them into a more manageable (and understandable) portfolio. Having sorted that for me, I then asked for some mortgage advice and despite my tricky financial circumstances (DMP, single mum) and several stumbling points along the way, I now have a deal which will clear my mortgage ahead of my original date and free up my monthly cashflow a considerable amount - thanks to him, my daughter and I have a better quality of life without the worry of debt or cashflow.

Have you seen the outcome you were hoping for?

Most definitely - my monthly cashflow level has increased thanks to the ceaseless perseverance of Goss in finding me a better mortgage deal and I feel confident that I am well prepared for my future and retirement.

What could they have done better?

I would struggle to find any area that Goss can improve on. Excellent service and a great sense of humour (which you need coming to my house!)

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

Over the years I have been able to build up a sum of money that I have previously held in low interest rate savings accounts. I wanted to see if my money could do more in a different environment.

How has Goss Lumsden helped you?

Goss listened to my ideas and was able to clearly set out my objectives. We agreed to invest some of the money into a stocks and shares ISA in order to utilise my allowance.

Have you seen the outcome you were hoping for?

Absolutely, my funds are doing well. Goss made the process very easy and explained everything in terms that I would understand. We are in uncertain times and markets have reflected this but Goss has kept in touch and has been very reassuring.

What could they have done better?

I don’t think there’s anything he could have done better. I was very happy with the outcome and the ongoing service I’ve received since, Goss and the team at Prosser Knowles we’re a pleasure to deal with and I would highly recommend to anyone and everyone.

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

I have worked for a few different employers and had a number of personal pensions. I needed advice on what I could do with them.

How has Goss Lumsden helped you?

Goss was great, he looked at each pension for me and gave me information on each. He then provided information on the options open to me in a clear way. He was patient and answered all my questions.

Have you seen the outcome you were hoping for?

Yes, I now have a much better understanding of my pensions and what I can and can't do with them.

What could they have done better?

I can't think of anything Goss could have done to improve on the service he provided.

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

My pensions hadn’t been reviewed for a while and I knew that my attitude to risk had probably changed from what it was. I wanted to be sure my money was in the right place and working as hard as it could be for me.

How has Goss Lumsden helped you?

He was very friendly and listened to my opinions and what I was worried about. He then went away and reviewed my existing policies. Then Goss talked me through my options and explained everything in plain English. I felt my pensions were in safe and knowledgable hands. Thank you Goss!

Have you seen the outcome you were hoping for?

My funds have been swapped but as it’s all only happened recently, it last very early days. Having known Prosser Knowles for a number of years, I am confident the outcome will be as I hoped.

What could they have done better?

Nothing. Everything was perfect.

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

I bought my first house in 2012 and sought the advice of a financial advisor to assist with the mortgage process. Since then, I have bought several rental properties and the team at Prosser Knowles have guided me through every step.

How has Goss Lumsden helped you?

I first met Goss in 2019 when purchasing my home. He found the best mortgage deal for me, explaining my options along the way, and submitted the application on my behalf. Having Goss there to deal with the mortgage lender directly took away a lot of the stress typically associated with buying a house - if only he could have dealt with the solicitors for me too!

Have you seen the outcome you were hoping for?

Yes, absolutely. Goss is extremely knowledgeable when it comes to mortgages, including further advances and the requirements or restrictions of different lenders. I am now in the fortunate position of having a home plus three rental properties; whilst each has a mortgage, Goss supports me with every renewal and provides ad hoc advice as and when I need it.

What could they have done better?

I honestly can't fault Goss and the advice he has given me over the past year or so and I look forward to continuing to work with him in the future.

Please provide a brief comment about your experience with Goss

The service provided by Goss was second to none. He was so thorough and went above and beyond to ensure that my wife and I would get the best deal possible with our life cover. An incredibly professional individual and all around nice chap.

Please provide a brief comment about your experience with Goss

Goss made me feel at ease in a world which could have been very confusing and overwhelming for someone like myself. The first consultation was free, and he came to my house, which saved a lot hassle. He is very knowledgable, and was able to clearly answer any questions I had. I am very pleased with the services I received.