Luke Richards

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

I was looking to buy my first house and needed sound advise.

How has Luke Richards helped you?

Luke went above and beyond. I mortgaged at a time when the interest rate dropped. Not only did he re-do the paperwork to get me a better deal when everything was finalised the first time round, he also got me a better deal than I could find with a hefty cash back. He was quick to respond and clear in his communications - very helpful indeed.

Have you seen the outcome you were hoping for?

100%.

What could they have done better?

I can't think of anything

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

I was taking my daughter of my deeds and needed to reapply for my mortgage.

How has Luke Richards helped you?

Luke gave me advice and made phone calls on behalf of me resulting in not having to pay a pemility or changing my mortgage ! Very pleased.

Have you seen the outcome you were hoping for?

Yes I have my new mortgage and Beth happy.

What could they have done better?

Can't fault Luke as it was a different case as taking my daughter if my deeds and deadlines so not to ruin her mortgage and he was very empathetic towards that - would highly recommend him

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

My bank refused to lend me enough money to buy a house.

How has Luke Richards helped you?

He made it possible for us to move from our flat to our very own house.

Have you seen the outcome you were hoping for?

Yes very much, where others couldn't Luke could.

What could they have done better?

Luke was very professional and straight forward. How could he of done anything better? Nothing comes to mind as he was professional and supportive.

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

We wanted to change from a interest only mortgage to repayment plus borrow some extra for some home improvements.

How has Luke Richards helped you?

Luke took the time to seek out the best deal that suited our needs. He looked at our incomes and was able to take into account overtime/increments.

Have you seen the outcome you were hoping for?

We received the funds we wanted and very smoothly.

What could they have done better?

The advice and service received from Luke was excellent, there isn't anything I could suggest for him to improve on, a smoother service than visiting a high street bank.

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

Luke was recommended to us when we were looking to check our eligibility for a mortgage for our first home.

How has Luke Richards helped you?

After talking to Luke about our requirements and expected property purchase price he very quickly sent over some mortgage details to us that he found we might be eligible for. Though we had a few obstacles to overcome once our offer had been accepted, Luke was extremely helpful and really went out of his way to help us over come issues, such as a low valuation on the property, to find other mortgage products we could use in the event we couldn't get the purchase price reduced.He was also very understanding to my frequent calls!.

Have you seen the outcome you were hoping for?

We fell we've got a good mortgage deal thanks to Luke, and the application process was stress free as we knew it was in good hands!.

What could they have done better?

To be honest I can pick no faults with the service we recieved.

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

New home with a complicated purchase. Family member was retaining 10% stake in property.

How has Luke Richards helped you?

We went to a few advisers who said it couldn't be done but after speaking with Luke we found there was a way, and he certainly helped us through this step by step.

Have you seen the outcome you were hoping for?

Very much so, Luke and his team helped us greatly and i would recommend his services to anyone.

What could they have done better?

N/A

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

Needed a mortgage on a buy property.

How has Luke Richards helped you?

He found the best mortgage rates and identified a mortgage that was right for me at the time.

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 Luke

Professional, helpful and creative.

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

Remortgage BTL.

How has Luke Richards helped you?

Arranged a competitive remortgage for the property with an excellent interest rate.

Have you seen the outcome you were hoping for?

Very pleased with the outcome.

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

Was looking for a mortgage and Luke was recommended to me.

How has Luke Richards helped you?

Helped me to get a mortgage so I can buy my first flat. He is Very knowledgeable, professional, helpful. Thank you.

Have you seen the outcome you were hoping for?

Enjoying my new flat...

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

Divorce.

How has Luke Richards helped you?

Luke arranged three mortgages in principal for me while my divorce dragged on.

Have you seen the outcome you were hoping for?

Every thing is now finalized.

What could they have done better?

Not in my experience

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

I needed to remorgage.

How has Luke Richards helped you?

Luke arranged everything and found the best deal for us.

Have you seen the outcome you were hoping for?

My current situation is very good and yes I got what I wanted.

What could they have done better?

Personally he achieved what I wanted.

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

Moving House.

How has Luke Richards helped you?

New Mortgage.

Have you seen the outcome you were hoping for?

Yes we have seen the outcome we were hoping for. Luke successfully obtained us a new mortgage for our house move.

What could they have done better?

Nothing springs to mind. Luke was always very helpful and kept us up to date at all times during a the application process.

Please provide a brief comment about your experience with Luke

How has Luke Richards helped you?

Good advice. Excellent service, very helpful, and always there when I needed him. This is the second time that he helped me with mortgages, and I will definitely go to him if I ever need to again.

How has Luke Richards helped you?

Luke found my wife and I an excellent mortgage deal. From start to finish Luke guided us through the entire process. Any queries we had were quickly answered, most likely because of the long hours worked at NexMoney. Without a doubt we will be back for any further financial advice.

What could they have done better?

I honestly cannot think of any way that the service could have been improved!

How has Luke Richards helped you?

Luke search a number of product`s, and found the right one for what i required, just what you need when the standard product does not fit ! he always returned my calls, after having to leave messages on landline, and always able to reach him on his mobile. I therefore would not hesitate to recomend his exellent services.

How has Luke Richards helped you?

Excellent service! exactly what you need to take the hassle out of remortgaging!

How has Luke Richards helped you?

Luke was extremely helpful and really went out of his way to secure the best possible deal for me. He was always available to respond to any queries. I would have no hesitation in recommending Luke and will certainly be using him again myself.

How has Luke Richards helped you?

Very helpful to me, does sort all problems straight away without wait.

How has Luke Richards helped you?

Luke listened fully to the situation, asked relevant questions, and managed to arrive at a solution my husband and I had not even considered, despite being experienced at making mortgage applications ourselves. It was certainly worth following up the initial on line report that was sent by Luke, because discussing our case over the phone highlighted important points that we had not considered.

What could they have done better?

Not much! it may have been helpful to be encouraged to get more accurate redemption statements from current mortgages, as when the final move happened, the extra money that was needed to settle the previous loan was a real dent into my new floor budget. However, this was our fault in not checking the redemption fully.

How has Luke Richards helped you?

We used Luke to re do our Mortgage in August this year. We found Luke to be very professional, flexible and made renewing our Mortgage very easy and hassle free. We would have no hesitation in recommending Luke to anyone.

How has Luke Richards helped you?

Luke too a seemingly impossible situation and with a lot of extra effort solved it. I have since recommended his services to another person and he has done exactly the same. It is good to know that there are still some people out there for whom custer service really does matter.

What could they have done better?

produce some more branded material to give to clients like the quality presentation wallet he has just produced.

How has Luke Richards helped you?

Luke provided an excellent service and helped guide us through the tricky process of mortgages, certainly helping make the process far less stressful than it otherwise might've been. He was always happy to help with our questions (and there were lots of them) and we ended up with a very good mortgage thanks to the extra effort that Luke went to in ensuring we had the best product available. All the while he did so in a very friendly and supportive manner.

Please provide a brief comment about your experience with Luke

How has Luke Richards helped you?

Luke Richards has helped in the sourcing, admin and completion of my buy to let mortgages Giving extensive advice on the best products for me in the short and long term. Helping me through the process from start to finish

What could they have done better?

Im very happy with his service

Please provide a brief comment about your experience with Luke

How has Luke Richards helped you?

He responded promptly to my online enquiry, and was able to narrow down the options without unnecessary detail, and to recommend the best. Communication was excellent by phone, text message and email. The preparation of initial documentation was faultless, and ongoing liaison with relevant parties helpful.

What could they have done better?

The solicitor's time-scale was more extended than first anticipated, and this understandably gave rise to some anxiety on the part of the broker about payment for his services (which would normally be made at completion). His well-intentioned direct calls to the solicitor's office and subsequent updates to myself, even before formal completion, were not strictly necessary, though I do understand that clients may occasionally be less cooperative in discharging their obligations honourably and promptly.

How has Luke Richards helped you?

Luke and Dan are extremely professional, proactive and creative with their approach. I contacted Nexmoney to broker 3 remortgages for me, these shortly became two once they advised me that I could raise the same required amount but save the fees on the third, clearly sacrificing an additional commission to save me money. As a result I have, and shall continue to use them for all my future financial needs. I can't recommend them enough.

How has Luke Richards helped you?

Keeps me informed,updated,understands my requirements and gives me advice and recommendations over and above.Is transparent with recommendations and information,good feedback re progress of application and matters to complete mortgage.All round a pleasant and trustworthy chap that I would recommend.

What could they have done better?

Generally communication is excellent,occasionally respond to my email or phone call even if a holding email/voice message especially on Friday.

How has Luke Richards helped you?

I have now used Luke to provide me with two BLT mortgages and he has provided me with an excellent quality of service and value for money. He will go the extra mile for you to ensure that you receive everything you expect. He was constantly in touch providing me with the current state where we were in the process. What I like about Luke is his approachability and regardless of what you ask he will always go and look to provide you with the information you have requested. Luke was suggested to me through a third party and I can certainly say that I will definitely use him again in the future.

What could they have done better?

Luke just needs to to continue providing the excellent service that he currently does and I would have no hesitation in recommending him to anyone who was seeking a financial adviser

How has Luke Richards helped you?

Fully informative, friendly approach. Nothing ever too much trouble. Made the whole process easy for me.

How has Luke Richards helped you?

Luke returned my calls promptly, helped me find a better deal than I had found for myself. He kept me get the right info to the lender, updated with the application. For my insurance he explained the difference between the products.

What could they have done better?

I don't have any criticisms to be honest, my suggestion would be to continue giving the level of service that was given to me

How has Luke Richards helped you?

Luke Richards regularly informed me of each step during the whole process. He was polite, efficient and flexible. Things I didn't understand were clearly explained and I never felt rushed to make decisions.

How has Luke Richards helped you?

Found the best rate which made whole process . It was convenient for us as he met with us after working hours.

How has Luke Richards helped you?

I I found Luke very helpful and informative re mortgages. He managed to greatly reduce my mortgage payments and I have dealt with this company for various financial advice. I would highly recommend them, they are very professional and very approachable. S. P.

What could they have done better?

Nothing they are great at what they do.

How has Luke Richards helped you?

Luke advised me on my new mortgage and life insurance. He made it easy for me to understand and got me the best deal on the market. He was constantly in touch with me and always at the end of the phone if I needed help with anything. I will be using him again without hesitation. I cannot recommend him highly enough.

What could they have done better?

I genuinely can't think of anything.

How has Luke Richards helped you?

Luke was so very helpful to us. Nothing was too much trouble. I am a worrier naturally and Luke gave me complete confidence throughout and I actually would prefer just to use him for anything else we require in the future years to come.

What could they have done better?

In my opinion nothing. I was always kept informed at all times and completely confident that luke would sort everything no matter what Complications arose.