Michael Hogg

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

Retirement

How has Michael Hogg helped you?

With my pensions

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?

Retirement

How has Michael Hogg helped you?

Probably 4 years

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Can't think of anything

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

Lump sum investment upon retirement, a local adviser coming highly recommended.

How has Michael Hogg helped you?

Provide quality advice on investment savings and ensuring the ‘perfect’ package for my wife and I.

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?

When we retired advising about pensions

How has Michael Hogg helped you?

Sorting all our financial needs

Have you seen the outcome you were hoping for?

Yes our investments have gained interest

What could they have done better?

Happy with advice

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

Advice with pensions

How has Michael Hogg helped you?

Put us on the track to pension security

Have you seen the outcome you were hoping for?

We are going in the right direction, not yet at pension age

What could they have done better?

Nothing that comes to mind

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

I needed to get advice on a pension that I wanted to access

How has Michael Hogg helped you?

He sorted it out for me and was very helpful

Have you seen the outcome you were hoping for?

Yes,his advice was invaluable

What could they have done better?

All is good thanks

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

Michael has managed my pension for several years and been very helpful and friendly when ever I have contacted him

How has Michael Hogg helped you?

Making decisions on things I am not knowledgeable in I.e. bitcoin and other investments

Have you seen the outcome you were hoping for?

Every time

What could they have done better?

To my knowledge not a lot

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

Early retirement

How has Michael Hogg helped you?

Brilliantly. No way would i have known what to do

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 had not prepared properly for my retirement and was looking for advice moving forward. I wanted to know what investments needed to be made and at what time in my current financial position

How has Michael Hogg helped you?

Good advice in a professional friendly manner . Improved my knowledge on my pension needs . Advice on how much and when to invest in my future in conjunction with my current financial circumstances

Have you seen the outcome you were hoping for?

All seems to going ok so far

What could they have done better?

Charged me a bit less ?

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

I was dissatisfied with my previous

How has Michael Hogg helped you?

He has given good advise and been total impartial

Have you seen the outcome you were hoping for?

Yes everything is going well

What could they have done better?

Nothing

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

Expert advice for mortgages and pensions

How has Michael Hogg helped you?

Expert advice and continuing support.

Have you seen the outcome you were hoping for?

Definitely, yes. Michael even found pension funds that we weren't aware of.

What could they have done better?

I am happy with all aspects of the service.

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

Best advice about how to get the best out of my pension

How has Michael Hogg helped you?

Enabled me to retire and live on mympension

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?

Required sound professional advice to ensure that my pension was in the account which was applicable to my circumstances

How has Michael Hogg helped you?

Michael provided the information of what I required. With guidance/explanation re the written professional language in the paper work, I was able to make an informed choice. I am provided with regular up dates as to how my pension is performing & have a face to face meeting at least once a year.

Have you seen the outcome you were hoping for?

Yes, but even in a medium risk account one has to acknowledge that there may be "dips" as well as "rises" depending on the world markets

What could they have done better?

No comment to make in this section as I have not been disappointed with the management of my Pension Fund to date.

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

Private pension

How has Michael Hogg helped you?

Basically done everything and explained things thoroughly

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?

Retirement from the Police Service after 30 years

How has Michael Hogg helped you?

Just being very knowledgeable in all areas of finance, retirement and future planning delivered in a very relaxed,calm and professional manner

Have you seen the outcome you were hoping for?

Yes definitely notwithstanding COVID and world issues have occurred

What could they have done better?

Nothing

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

Combined 3 pensions

How has Michael Hogg helped you?

Yes , explaining everything thoroughly in terms I could understand

Have you seen the outcome you were hoping for?

More than

What could they have done better?

Made me more money ?

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

Wanted professional advice for my mortgage, pensions and investments

How has Michael Hogg helped you?

Reviewed my financial position and made excellent recommendations for my requirements

Have you seen the outcome you were hoping for?

Yes, happy with all products and ongoing service

What could they have done better?

Nothing

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

Buying a house

How has Michael Hogg helped you?

With mortgage advise and all other aspects of buying a house.

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?

First time buyer needing a mortgage

How has Michael Hogg helped you?

He has talked me through the whole process of buying a house and sorted out all of the necessary paperwork, constantly keeping me in the loop with everything that is going on. He has made the whole process extremely smooth and quickly found solutions to any issues that have arisen. I can’t recommend him enough

Have you seen the outcome you were hoping for?

Yes I have recently had my mortgage offer accepted

What could they have done better?

N/A

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

Pension Advice

How has Michael Hogg helped you?

Explained everything really well. Transfered pension to a better scheme to enable us to draw money.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Everything was excellent.

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

My mortgage was due to renew and we required assistance to move to a better rate

How has Michael Hogg helped you?

Michael was thorough and clear and answered many questions. We had a slightly more complex switch due to a sub account which would incur a charge. Michael was able to provide details of a range of products which would enable us to pay off the sub account and switch to a single mortgage with a better rate, whilst still being viable. He was always available over the phone or via email and extremely punctual, maintain the deadlines we set in the initial meeting

Have you seen the outcome you were hoping for?

We are currently awaiting confirmation of the remortgage but Michael has provided a wide range of financial advice to aid us. We were very happy with the advice provided.

What could they have done better?

Nothing Michael was very happy

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

Needed a mortgage after a relationship breakdown.

How has Michael Hogg helped you?

He was a pleasure to deal with and very helpful and made the process very easy.

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?

Wanted to transfer my pensions into one

How has Michael Hogg helped you?

Michael was very helpful, he visited me at home and discussed all my pension options as I had various small pensions that I wanted to be all in one place.

Have you seen the outcome you were hoping for?

Yes. All my pensions are now as one and I can view my pension online anytime and keep an eye on its performance.

What could they have done better?

Nothing, I,m very happy with everything Michael did for me.

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

Purchasing my first home

How has Michael Hogg helped you?

Michael relieved the stress from searching for the best mortgage for my needs, he understood that I worked shifts and had caring responsibilities, because of this he often contacted me outside of office hours which was very much appreciated. Michael even stayed in touch once his work was done to ensure that the mortgage did not time out as the house sale was complicated due to probate and covid. The time saved by Michael doing all the searching for me was far more valuable to me making his fees extremely good value for money.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing excellent service from start to finish will defiantly be keeping Michael's number in my phone for future use.

Please provide a brief comment about your experience with Michael

Excellent initial chat. Very informative and clear. I realized, as a result, that my own understanding of my options was somewhat wanting and that I have to think more carefully about my goals. Michael will be my first port of call if/when I need help with one or more of those options - once I am clearer in my own head what directions I wish to take.

Please provide a brief comment about your experience with Michael

Michael Hogg was recommended to us by our IFA to assist us with an Application for Equity Release on our Home. Within the first five minutes we felt that Michael had an understanding of our situations and our reasoning. He guided us through the whole process advising us of any potential pitfalls and/or concerns while providing us with the benefits on an equal scale. Throughout the whole process we felt that Michael had made a true and correct assessment of needs and his submission on our behalf was exemplary. The proof of the pudding - as they say - is in the eating and our draw down from our property arrived in our bank account this morning. We felt safe and assured with Michael by our side and will always be grateful for his professional attitude and very kind support throughout.

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

Equity release

How has Michael Hogg helped you?

Advice and help

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, very good service and assistance at any time of day.

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

We needed help sorting out a pension fund

How has Michael Hogg helped you?

He called to our house and provided us with valuable information about claiming my pension fund

Have you seen the outcome you were hoping for?

Yes, he has provided an excellent service

What could they have done better?

I really think that Michael has provided an excellent service and can't fault him at all

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

We needed urgent short term loan.

How has Michael Hogg helped you?

Advised short term mortgage instead of expensive bridging loan.

Have you seen the outcome you were hoping for?

Yes very efficient and helpful under difficult circumstances.

What could they have done better?

Nothing excellent at all levels.

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

Advised so to do

How has Michael Hogg helped you?

Went through the process simply and succinctly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No

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

I really needed to consolidate several frozen pensions

How has Michael Hogg helped you?

He sorted my pensions out and put them into one . Pleased with the returns each year. He sorted a mortgage for us which we would have been unable to do(complicated). Income insurance and life insurance also .

Have you seen the outcome you were hoping for?

Yes. We are very happy with everything and his ongoing professional advice.

What could they have done better?

Not much. Very thorough advice.

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

I required advice for self employed pensions which were with x2 different providers.

How has Michael Hogg helped you?

Michael provided up to date information and guidance in bringing the 2 together in order to transfer them to a Pension Provider which would be suitable for me.

Have you seen the outcome you were hoping for?

I would not have expected to receive a report on how the investment is progressing as it is less than a year since it was arranged, so probably it may be premature to comment without sight of any performance results.

What could they have done better?

No complaints whatsoever. Received an excellent and very professional service.

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

Pension advice as I had 3 and wanted to combine.

How has Michael Hogg helped you?

Went through all my pensions and offered me advice as to what were my best options.

Have you seen the outcome you were hoping for?

Exceeded expectations.

What could they have done better?

Michael has been very thorough explaining what was happening as sometimes found it hard to follow. Always exploring the best options for my pension to go.

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

Having a family and being self-employed I needed some good advice for the future.

How has Michael Hogg helped you?

Michael Hogg helped with a private pension and also helped with setting up a savings account for our two girls.

Have you seen the outcome you were hoping for?

Yes I'm very happy with the service I have received. my pension is working well and it is reviewed on a regular basis. Which I really appreciate this level of services.

What could they have done better?

At the moment I cannot think of anything.

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

I initially knew Michael as a family friend so felt comfortable & trusted him from the start. He has been so helpful to me that I say ‘everyone should have a Michael Hogg in their lives’.

How has Michael Hogg helped you?

Michael has helped me sort out my mortgages after divorce. He helped me get a buy to let mortgage on the family home & a repayment mortgage on a smaller house for me & my son. I could not have done it without him.

Have you seen the outcome you were hoping for?

I continue to have the two mortgages. Michael reviews them with me regularly to ensure I am getting the best deals & they remain affordable. My financial situation has been greatly improved by having Michael to help me through. I have really appreciated his support.

What could they have done better?

Michael has helped with everything I have needed

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

Transfer of pension

How has Michael Hogg helped you?

Made an appointment with Michael at our house. Explained in detail the full process. And also the risks.

Have you seen the outcome you were hoping for?

Yes exactly what we expected

What could they have done better?

Can't think of anything

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

Remorgage

How has Michael Hogg helped you?

Got me what i needed

Have you seen the outcome you were hoping for?

Yes.set for life now

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

I had a previous personal pension that was not suitable for my general requirements together with separate policies from previous employers. I wanted to look for a new pension scheme and some advice about what to do, if anything with the other policies. Subsequently, since buying a house he has helped put in place insurance and life assurance policies for my husband and me.

How has Michael Hogg helped you?

Michael listened to what I needed and helped put a scheme in place which I have had since. The other two policies were transferred thus simplifying everything for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, he's very clear and makes the process very light touch from my perspective, taking all the hassle away. Everything is renewed annually which is just right, making sure it still reflects what I need.

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

Equity release

How has Michael Hogg helped you?

With advice on the best products available to me.

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 Michael

Very professional and very helpful

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

Remortgage

How has Michael Hogg helped you?

Sorted everything for us easily and smoothly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing everything was fine

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

Current mortgage deal was coming to an end so needed to review with an adviser and discuss the best options moving forward.

How has Michael Hogg helped you?

Michael was highly responsive, listened to my preferences and current financial position first and then did extensive research in order to provide a range of options for discussion. This also took in to account the challenges of lenders etc. operating during the COVID-19 pandemic.

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

Nothing. The service and responsiveness was excellent and the range of options provided was great. He went above and beyond to make sure that the new deal was in place before the old one expired in order to avoid any higher payments in the interim.

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

To raise money to improve my central heating and replace windows and doors and be able to retire.

How has Michael Hogg helped you?

He was very helpful in advising me to go for the best option for me. He was very patient in explaining it all to me .

Have you seen the outcome you were hoping for?

Yes it has given me peace of mind .

What could they have done better?

I cannot think of anything, he was quite happy for me to ring him anytime if I was unsure of anything.

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

Application for a mortgage.

How has Michael Hogg helped you?

He did everything in regards to our mortgage and life insurance policies. Made it so easy for us knowing everything was taken care of.

Have you seen the outcome you were hoping for?

Yes absolutely.

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

The best possible advice

How has Michael Hogg helped you?

Secure our last 4/5 mortgages with ease and help with the advice we very much needed!

Have you seen the outcome you were hoping for?

Yes

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

Complex will arrangements due to 2nd marriage.

How has Michael Hogg helped you?

Expert advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

None

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

Numerous items over the years including savings and investment advice, my pension and mortgage

How has Michael Hogg helped you?

Helped with impartial advice on my investments, pension and also arranged my mortgage for me. The first port of call whenever I have any financial questions.

Have you seen the outcome you were hoping for?

Absolutely, my mortgage was arranged very promptly at an interest rate that I could not of achieved on the high street. Investment planning has always been a fantastic service clearly explaining the risks of various products and I am very pleased with the performance of my portfolio.

What could they have done better?

Nothing. Can always count on impeccable, patient and industry leading service from Michael.

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

We needed help to understand our pensions

How has Michael Hogg helped you?

He gave us advice and gave us a better understanding of the pensions

Have you seen the outcome you were hoping for?

The outcome is good we are quite happy with our financial situation

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

Needed to tidy up various pension plans and get an understanding of my actual pension

How has Michael Hogg helped you?

Michael came out to my home and went through my options and risk analysis. There was no hard sell

Have you seen the outcome you were hoping for?

So far in tricky market conditions outcomes are ok (everyone always hopes for a fantastic return) but I understand that pension investment is not short term

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

Looking at the management of a frozen pension

How has Michael Hogg helped you?

Gave advice measured my attitude to risk and reviews it's progress

Have you seen the outcome you were hoping for?

Seen good growth since moving it

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

Used for my last four mortgages buy to let and residential remortgage. No nonsense, professional honest advice.

How has Michael Hogg helped you?

Matched my needs against a comprehensive panel and presented best fit options.

Have you seen the outcome you were hoping for?

Yes all went through as expected, frequent updates and excellent management of my expectations.

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

We needed a mortgage and life insurance

How has Michael Hogg helped you?

He gave us good advice and helped us get a mortgage even though my partner had a difficult financial past

Have you seen the outcome you were hoping for?

Yes

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

Re mortgage

How has Michael Hogg helped you?

Michael searched for the best deal to suit us, gave us advice on consolidating our other debts to give us more money each month.

Have you seen the outcome you were hoping for?

Yes, we are much better off financially each month with the help of Michael.

What could they have done better?

Cannot think of anything, Michael was spot on!

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

Pension funds. Tax free pension release.

How has Michael Hogg helped you?

Michael is always informative, polite, genuinely sincere and very helpful. Also pleasant company.

Have you seen the outcome you were hoping for?

Yes definately. Very happy with our outcome.

What could they have done better?

I honestly can't think of anything? Michael returns calls, emails and messages promptly. His advise is given in an understanding way.

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

Frozen pensions under performing.

How has Michael Hogg helped you?

Answered all my questions and advised me of different options to improve some pensions and which ones to leave alone

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Helped me sort out private frozen pensions that were not performing sufficiently.

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

Frozen pension

How has Michael Hogg helped you?

Advised which to leave alone and which he could improve on

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing. Let me make my own decisions just informed me of the best way to go but left the final decision to me and answered all my questions to clarify everything

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

Needed to get a mortgage

How has Michael Hogg helped you?

Getting a mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing 100% brilliant

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

We couldn’t get a conventional mortgage so were advised to go via a financial advisor.

How has Michael Hogg helped you?

He knew which mortgage lenders to approach for our specific needs.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

I don’t think Mick could have done anymore than he did to be honest!

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

Needed some advice about equality release and lasting power of attorney

How has Michael Hogg helped you?

He has finished the equity release and now is doing the power of attorney

Have you seen the outcome you were hoping for?

Yes he has completed the equity release and delt with all the problems quickly

What could they have done better?

Nothing

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

I wanted advice regarding investing my savings & more recently applying for a mortgage.

How has Michael Hogg helped you?

He gave me detailed advice & guidance on investments/mortgages.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. He is very thorough, explains things in a way that you understand, friendly & reliable.

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

Terminal illness causing me to cash in a personal pension

How has Michael Hogg helped you?

Sorted the whole thing out

Have you seen the outcome you were hoping for?

Yes

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

I was recommended by close friend and neighbour to go to Michael Hogg.

How has Michael Hogg helped you?

Michael was excellent with his advice with no pressure when we were deciding on Equity Release, everything went to plan and Michael we found him very caring.

Have you seen the outcome you were hoping for?

Yes all went to plan as explained, and payment was received without issues.

What could they have done better?

He could do no better we highly recommend Micheal Hogg.

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

Advice on equity release

How has Michael Hogg helped you?

Provided and explained every aspect of equity release in lay man terms so everything was understood

Have you seen the outcome you were hoping for?

Yes definitely

What could they have done better?

Nothing Everything was done to very high standard