Gavin Torpey

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

How has Gavin Torpey helped you since your last review?

We are in the process of moving and Gavin has helped us renew our existing mortgage following the end of a fixed rate in August and arrange the upcoming new mortgage.

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

How has Gavin Torpey helped you since your last review?

Further mortgage advice

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

Mortage renewal

How has Gavin Torpey helped you?

Gavin helped me secure a new Mortage checking each month for 6 months.

Have you seen the outcome you were hoping for?

I have got the best deal at the time

What could they have done better?

Nothing

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

We were buying house & needed mortgage and better insurance to feel comfortable

How has Gavin Torpey helped you?

He gave us great professional advice which lead us to achieve right income to buy house of our dreams, made sure we get best mortgage deal, also sorted out life insurance for both of us.

Have you seen the outcome you were hoping for?

Absolutely! We are happy owners of house (bought 6 months ago), we thought we wouldn't be able afford (a year ago).

What could they have done better?

Not to recommend company like Fidler and Pepper solicitors, they are pure hell to deal with.

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

I was with a previous mortgage advice team, through which I experienced repeated delays which lead to me having less than a month before my mortgage was due for renewal with nothing in place. I remembered Gavin from my original mortgage deal and took steps to seek him out specifically. I remembered how brilliant he is!

How has Gavin Torpey helped you?

Gavin helped me secure a great deal on my re-mortgage with a very tight turn-around. Consistent, well informed contact was maintained throughout the process with help and insights offered along the way. He was excellent at keeping me updated on progress and advocating on my behalf.

Have you seen the outcome you were hoping for?

Absolutely! I made contact first on February 19th and with Gavin's help, secured a new deal within two months.

What could they have done better?

Nothing - Gavin is the shining example of who and how all kind-hearted mortgage advisers should aspire to be. Could not recommend him enough.

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

As first time buyers we were looking for help with the mortgage process.

How has Gavin Torpey helped you?

Throughout the mortgage process Gavin was always available, helpful and personable. He was able to answer all our questions and find the best deal for us (multiple times as the process ended up taking longer than anticipated). His advice was thorough, clear, and honest, and - ultimately - achieved what we were hoping for.

Have you seen the outcome you were hoping for?

Yes!

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

For our latest interaction, Gavin reminded us that our buy to let mortgage was reaching the end of its fixed term. In a very difficult market we were unsure how best to proceed.

How has Gavin Torpey helped you?

Gavin was reassuring immediately, without glossing over the changed market (much higher interest rates) since we first took out this mortgage. He talked through our circumstances with us and helped us to set realistic goals. Gavin is great at thinking differently about mortgages and had some really interesting ideas that we would never have thought of. He went and did loads of research and comparisons for us and presented us with a couple of options and some advice on how we might proceed.

Have you seen the outcome you were hoping for?

We absolutely got the outcome we were hoping for! We are signed up to a flexible new deal, much cheaper than we'd imagined was possible and which we can easily exit if the market starts to return to lower interest rates. A great result and a very personalised and non-judgmental service.

What could they have done better?

Honestly, we couldn't have imagined half of what Gavin recommended to us and so he hugely exceeded our expectations - including a last minute re-packaging of our deal as he had noticed the interest rate had gone down slightly since we signed up!! Nothing could have possibly been done better.

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

We were moving house so needed a new mortgage arranging. Having used Gavin before, we were more than happy to contact him again to help us.

How has Gavin Torpey helped you?

Gavin arranged a new mortgage for us and led us through the whole process. He was brilliant throughout, especially when thrown a last-minute curve ball when we came to exchange contracts.

Have you seen the outcome you were hoping for?

Absolutely! I can't image trying to get a mortgage any other way!

What could they have done better?

Nothing. Everything was brilliant. Gavin is a fantastic communicator and genuinely worked his hardest to get us the best deal possible.

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

Was linked through a comparison website while searching for the best deal

How has Gavin Torpey helped you?

Gavin took me through the process and provided concise guidance on the available options

Have you seen the outcome you were hoping for?

I believe I got the best deal based on the criteria I set

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

Buying our first home

How has Gavin Torpey helped you?

Gavin was extremely helpful in navigating us through buying our first home. He was excellent at explaining all the steps and getting us the best rate available. He’s easy to talk to, and quick to answer the phone and respond to emails, which exactly what you want at a stressful time.

Have you seen the outcome you were hoping for?

Absolutely

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

Unsure if I could use an adviser for porting but Gavin was local to me.

How has Gavin Torpey helped you?

Helped me port my mortgage and got me a better deal with the deposit.

Have you seen the outcome you were hoping for?

Yes.

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

First time buyer and I needed help.

How has Gavin Torpey helped you?

Gavin was able to guide me through the process and ensured me the best service and smooth process. Found me a great deal and ended up saving me more money by getting me a great package on insurances.

Have you seen the outcome you were hoping for?

Yes and more! Very knowledgable, realistic and no pressure to take a deal. Listened to me and my concerns and was able to guide me through the last few years.

What could they have done better?

No.

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

Buying our first home

How has Gavin Torpey helped you?

Gavin went absolutely above and beyond to help me and my partner make the best choices for us when buying our first home. Gavin advised us for almost a year and half as it took us so long to get to the point of completing after many offers or offers falling through and he was always just a phone call away if I needed any help. He also helped give us all the info we need on insurances once we had exchanged contracts so once again we could make the decisions that were right for our circumstances.

Have you seen the outcome you were hoping for?

I couldn't have been happier with the outcome, Gavin really supported us through the house buying process when we had no idea what we were doing!

What could they have done better?

n/a

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

How has Gavin Torpey helped you since your last review?

I spoke to Gavin recently about another onward move or the options around extending our current property. He gave me some good ideas and also provided up to date figures on extending the mortgage if necessary. It's fantastic to get additional support when looking at potential options.

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

Gavin was recommended to us through a friend.

How has Gavin Torpey helped you?

Gavin has helped us through our mortgage process and sorting our various insurances.

Have you seen the outcome you were hoping for?

Absolutely, we are very happy with the outcome.

What could they have done better?

I can’t really give any feedback on this, I was throughly impressed with Gavin and how often he went above and beyond for us

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

To arrange a fixed rate mortgage

How has Gavin Torpey helped you?

Gavin informed us in plenty of time to let us know that our fixed rate was coming to an end. We asked him to find a new deal for us.

Have you seen the outcome you were hoping for?

Yes ? Gavin did all the work for us. All we had to do was sign the electronic application.

What could they have done better?

Nothing? Gavin was as always helpful and knowledgeable as always.

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

Moving house, needing a mortgage.

How has Gavin Torpey helped you?

We have been clients of Gavin for over 5 years. He helped us move house twice and remortgage once. And he also arranged our life insurance twice as our circumstances changed.

Have you seen the outcome you were hoping for?

Absolutely. He was reliable, proactive and great with communication. He was also very friendly and thought about all aspects of our situation. Her has been amazing and we are very grateful.

What could they have done better?

We have been very happy with the service Gavin provides.

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

How has Gavin Torpey helped you since your last review?

With Gavin's help again we have now bought a different house. Gavin secured us a great 5 year mortgage deal just at the right time before the rates skyrocketed. Great advice and service as always, thank you!

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

I wished to take out an interest only mortgage to fund a house purchase.

How has Gavin Torpey helped you?

Gavin was absolutely brilliant, as well as sorting out the mortgage quickly and efficiently, he offered support and advice throughout the ups and downs of my purchase and worked with the mortgage company and me to quickly find a solution when my buyer pulled out from the sale. Gavin always responded quickly to emails and his responses were clear and easy to understand. I also purchased home insurance from Gavin and again this was done very efficiently.

Have you seen the outcome you were hoping for?

Yes, I'm now in my new home, and much is due to Gavin's advice and help.

What could they have done better?

I really can't think of anything Gavin could have done better

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

We needed to repay the capital sum on our "interest-only" tracker mortgage that was coming to full term. Being retired we were letting our property and enjoying the rental income and wished for this to continue. After discussing various solutions we decided to re-mortgage with another provider. As we were living overseas, options were limited, especially as our new product would essentially be a "BTL" mortgage.

How has Gavin Torpey helped you?

Given our objectives combined with our rather unusual circumstances, it wasn't an easy task however Gavin thoroughly researched the market for the right product and identified a lender who perfectly matched our requirements. Against a background of rapidly accelerating interest rates, Gavin worked swiftly to obtain an offer in order that we could secure the most preferential rate. The acceptance process however was extremely complicated because of our specific location overseas however Gavin worked tirelessly and helped tremendously in overcoming any difficulties in a timely manner and all was resolved to secure our new mortgage.

Have you seen the outcome you were hoping for?

A definite YES. 100%.

What could they have done better?

I struggle to think of anything. Gavin really went "above and beyond" when many, I believe, would simply have accepted defeat.

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

My current mortgage deal expires early next year and I wanted to discuss my options.

How has Gavin Torpey helped you?

Helped review my current mortgage and advise alternative mortgages.

Have you seen the outcome you were hoping for?

Yes, although Gavin gave very clear advise on all available mortgage offers, on this occasion after reviewing the mortgage my current provider was able to offer Gavin advised to stay with them.

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 Gavin Torpey helped you?

Gavin has been great and offered great advise and support throughout our house buying process. The process has gone very smoothly and gavin has been great supporting us through this journey

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?

To remortgage our property

How has Gavin Torpey helped you?

He gave us advice and helped us make the right decision to find the best remortgage possible. Nothing was too much trouble and everything was carried out meticulously.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything from the advice to the final outcome was done to our satisfaction.

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

I was looking to remortgage.

How has Gavin Torpey helped you?

Gavin listened carefully to what I was after, explained the options available to me clearly, and was able to find me a great deal. The process was easy and stress free thanks to Gavin.

Have you seen the outcome you were hoping for?

Yes, Gavin secured me a great mortgage rate quickly and easily

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

Buying a property

How has Gavin Torpey helped you?

Mortgage advice, guidance and seeking mortgage and insurance policy

Have you seen the outcome you were hoping for?

We are still in the process of completing but so far expectations have been met

What could they have done better?

N/A

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

Looking for a mortgage at an age that we weren't sure we'd be eligible at!

How has Gavin Torpey helped you?

Gavin found us a choice of suitable mortgages and insurance. He was extremely professional and adapted quickly when we needed to change the mortgage. Gavin reassured us from the beginning and we felt at ease all the while he was dealing with us. I wouldn't hesitate to recommend Gavin to family and friends and would definitely use his expertise again.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

From Gavin, nothing at all.

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

I was looking for a mortgage after renting for quite a while and for life insurance

How has Gavin Torpey helped you?

Gavin found us a great deal on both the mortgage and insurance. He explained everything really well and talked me through some of the bits I wasn't sure about

Have you seen the outcome you were hoping for?

House is due to complete soon.

What could they have done better?

Gavin gave me all the information I needed to make a decision, can't fault the service

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

Mortgage application

How has Gavin Torpey helped you?

Sorted everything out for us to get the mortgage

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 wanted advice on a mortgage

How has Gavin Torpey helped you?

Gavin provided very helpful advice and guidance on the process and advised us on the best offer. He was very proactive and easy to contact throughout.

Have you seen the outcome you were hoping for?

Yes

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

End and review of current mortgage period

How has Gavin Torpey helped you?

Found and organised a better mortgage offer than I could find on my own

Have you seen the outcome you were hoping for?

Yes - 100%

What could they have done better?

Not a great deal other than sped up the process with was slowed down through no fault of their own (Virgin Money dragging their heels)

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

Gavin was first recommended to us by the Estate Agent as two other advisers we had talked to couldn't get us the mortgage we needed.

How has Gavin Torpey helped you?

Gavin went the extra mile of getting us our first mortgage on a house at a time when my job situation was difficult as I was in a temporary contract. Two other advisors weren't able to get us the mortgage we needed, but Gavin really came through for us. He managed to get our mortgage with a major lender, and even got us a very good rate. The whole process has been great with good communication from Gavin and we felt reassured at every point. Gavin has since helped us select building and content insurance, a remortgage, and now has just secured us a new mortgage for a different property.

Have you seen the outcome you were hoping for?

Absolutely, we've been very happy with Gavin's recommendations and with the rates he was able to get us for mortgages and insurance.

What could they have done better?

Nothing!

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

Buying our first house 3 years ago and looking for a mortgage.

How has Gavin Torpey helped you?

He's helped us mortgage and then remortgage our first home and now helped us to find and secure a mortgage for our new home.

Have you seen the outcome you were hoping for?

We've seen better outcomes than we hoped for each time whilst working with Gavin over the past 3 years.

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

Re mortgage

How has Gavin Torpey helped you?

Gavin searched for and arranged the best mortgage and life insurance available. He provided a extremely professional service and we were very happy with the outcome.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all