Joshua Brown

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

Selling 2 properties and purchasing a property together, advice and support with porting mortgages and rates.

How has Joshua Brown helped you?

Applied for porting of mortgages, including appeals Looked for the best rates Helped with the application for a new lender and securing a new mortgage

Have you seen the outcome you were hoping for?

We have

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

remortgage

How has Joshua Brown helped you?

helped in a number of property mortgage scenarios

Have you seen the outcome you were hoping for?

yes

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

I had tried to get a mortgage during the pandemic and it was a terrible experience so I stopped. Then I restarted the process, reached out to Joshua and he has been nothing short of great to get this done quickly and efficiently. He was helfpul in explaining options and locking in a great rate..

How has Joshua Brown helped you?

Guided me step by step through the remortgage process...

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?

Looking to sell flat that had a mortgage coming to the end of a fixed term rate and to find a new mortgage to purchase a house with my husband

How has Joshua Brown helped you?

Joshua provided excellent support and guidance throughout the process and has secured a new mortgage deal for the flat until our house purchase goes through and has provided us with a mortgage offer within our budget for the property we wish to purchase. He was local to us and provided with some useful personal recommendations as well. He responded promptly to our communication and showed a genuine interest in getting a good deal for us.

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 to re-mortgage and to look into a new insurance policy

How has Joshua Brown helped you?

Joshua has looked into several option founding a very good deal and helping us finding the best solution for our property

Have you seen the outcome you were hoping for?

Yes absolutely

What could they have done better?

Joshua has been professional and very helpful. We're totally satisfied!

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

I have been a customer of Westminster Wealth for many years

How has Joshua Brown helped you?

Remortgage application

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?

Needing a first mortgage

How has Joshua Brown helped you?

With multiple mortgages and remortgages, he has consistently provided excellent proactive advice and gotten deals over the line swiftly.

Have you seen the outcome you were hoping for?

I've always seen great outcomes working with Joshua.

What could they have done better?

Nothing, he's the best!

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

Needed a interest only mortgage beyond 70

How has Joshua Brown helped you?

yes

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?

Renewal of my mortgage 5 years ago

How has Joshua Brown helped you?

He secured a very good deal at the time and again now that our mortgage deal is expiring.

Have you seen the outcome you were hoping for?

Yes

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

I needed to renew my mortgage and Joshua helped me do so.

How has Joshua Brown helped you?

He gave really honest and easy-to-understand advice and I followed it and am very happy with the result

Have you seen the outcome you were hoping for?

Yes!

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

We were looking for some support with our remortgage and wanted a friendly/informative service. Josh was superb and literally what we were looking for.

How has Joshua Brown helped you?

Found competitive rates plus he answered any queries we had. As we are still fairly new to remortgages we had many questions for him.

Have you seen the outcome you were hoping for?

Yes!!

What could they have done better?

nothing. A superb service.

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

Fixed mortgage rate came to an end

How has Joshua Brown helped you?

Yes, he has managed to arrange a mortgage with a fixed rate at the lowest interest rate for us.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing, he was incredibly helpful, informative and kept us updated throughout the whole process.

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

My husband and I were looking to purchase our first home and needed a mortgage broker, Josh came through a recommendation from a friend who had recently purchased their first home.

How has Joshua Brown helped you?

Josh was attentive, communicative and very responsive. He was able to walk us both through the process and demystified a lot of the more obtuse aspects of this process. My husband and I moved to the UK 5 years ago so we weren't familiar with the process here, but Josh made clarified a lot of it and made us feel like we were in good hands.

Have you seen the outcome you were hoping for?

Absolutely!

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

Purchasing our first home.

How has Joshua Brown helped you?

Securing a mortgage and providing advice.

Have you seen the outcome you were hoping for?

Yes.

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

Remortgaging

How has Joshua Brown helped you?

Joshua always provides good honest advice, which has been effective in helpming me make the right decisions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not much, Joshua keeps me updated and has become a trusted advisor.

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

Existing client - advice on mortgage renewal

How has Joshua Brown helped you?

Advice on current and future market to identify the best product for our circumstances.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Joshua is responsive, even replying when out of the office. He is a pleasure to deal with.

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

Expiration of current mortgage deal

How has Joshua Brown helped you?

Listened to my circumstances and looked for the best mortgage to suit me, then returned with a better deal

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?

Remortgage, getting the best available rate

How has Joshua Brown helped you?

He presented several different options suitable for our circumstances.

Have you seen the outcome you were hoping for?

Yes

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

Seeking a mortgage for a second property

How has Joshua Brown helped you?

Josh has helped us enormously

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. His expertise and experience/customer skills is first rate

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

I was advised to ask Joshua’s advice from a registered mediator

How has Joshua Brown helped you?

Joshua and his colleagues are ahead of the game.

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?

Remortgage

How has Joshua Brown helped you?

Joshua has secured the lowest possible rate for us, which is a huge relief as the interest rates have climbed steadily since submitting our application

Have you seen the outcome you were hoping for?

Yes, Joshua secured the lowest possible rate for us

What could they have done better?

Nothing

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

Time to remortgage and had previous experience of working with advisors

How has Joshua Brown helped you?

Listened to my requests and gave me options and suggestions. Followed my final decision as requested.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Helped me save more money!

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

Looking to remortgage

How has Joshua Brown helped you?

He found an excellent deal

Have you seen the outcome you were hoping for?

Completion on the remortgage was only yesterday, but it has allowed me to own more of my home

What could they have done better?

Not sure Joshua could have done any better

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

Having very particular needs guiding our mortgage application and needing some expert advice on how to achieve the best result.

How has Joshua Brown helped you?

From the first phone call to the last he took time to explain every step of the application, was always available to answer any questions we had, incredibly professional and also approachable. Joshua tailored the process so carefully to our needs and took everything into account. He also recommended our solicitor who was brilliant. The entire process was made considerably less stressful because of his service.

Have you seen the outcome you were hoping for?

Yes, we completed on our property today! We obtained a really good mortgage deal and that allowed us to find the property we now own.

What could they have done better?

Nothing could have been done better.

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

Re-mortage

How has Joshua Brown helped you?

Answered question & advised on best options available

Have you seen the outcome you were hoping for?

Yes

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

I wanted to remortgage my home to free up equity to undertake building work.

How has Joshua Brown helped you?

He listened to my needs and found the right deal for me. He always kept me up to date with progress and explained things clearly.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. All Good.

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

Refinancing to raise cash for mbo

How has Joshua Brown helped you?

Sourced and arranged mortgage offer

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?

We were looking to move house and really needed sound financial advice.

How has Joshua Brown helped you?

Josh carried out a thorough assessment of our outgoings and spoke to us about what our aspirations were, he took the time to get to know us and what we would be comfortable committing to on a monthly basis.

Have you seen the outcome you were hoping for?

Yes 100%, Josh has been fantastic throughout our house move, I even called him for advice on estate agents and other topics that really he could have shied away from but went above and gave us a real value add.

What could they have done better?

Josh couldn't have been more helpful, I've recommended him many times to my friends and colleagues and they have all been delighted with his advice and expertise.

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

Purchasing a new property

How has Joshua Brown helped you?

Applied for mortgages

Have you seen the outcome you were hoping for?

Yes

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

Rebalancing family finances after bereavement

How has Joshua Brown helped you?

Listened in order to understand a complex situation and our conflicting priorities and enabling us to get a balanced outcome to assist all family members

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not sure really as we had been subject of poorer service elsewhere previously

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

To obtain a mortgage for purchase of a property overseas

How has Joshua Brown helped you?

He advised us which type of mortgage is best for us and obtained a great deal from the mortgage lender

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No improvements necessary

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

First time buyers finding a mortgage.

How has Joshua Brown helped you?

Joshua helped by finding mortgage providers that were willing to take us on. Joshua followed up by giving us fantastic advice in regards to the next steps for insurance.

Have you seen the outcome you were hoping for?

Yes. We were told by previous marriage advisors that we would not be able to get a mortgage but Joshua didn’t agree and found us a mortgage.

What could they have done better?

N/A

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

Moving house meant we were looking to change our mortgage and second child’s birth meant our insurance needs had changed.

How has Joshua Brown helped you?

Josh was fantastic, he helped explain all the jargon and clarified what was available for our insurance needs.

Have you seen the outcome you were hoping for?

Yes. New and fantastic mortgage term and fully covered insurance to protect the family.

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

First time buyer with little knowledge of the mortgage application system.

How has Joshua Brown helped you?

Josh was able to cut out the jargon and explain in layman's terms the terms and conditions around what was feasible for us which we are truly grateful for.

Have you seen the outcome you were hoping for?

We have yes, Josh went above and beyond our expectations.

What could they have done better?

I have no negative comments regarding Josh's work. He was always just a phone call away, regardless of when it was and was able to answer all our questions.

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

Remortgaging

How has Joshua Brown helped you?

Great advice and product

Have you seen the outcome you were hoping for?

Yes

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

Buying a property for the first time and needing a mortgage.

How has Joshua Brown helped you?

He was extremely helpful with providing us with all the information about various mortgage providers. He helped us to choose the most suitable one and was very patient when we asked him to work out figures for borrowing different sums of money.

Have you seen the outcome you were hoping for?

Yes we are very happy with the mortgage offer that Joshua was able to secure for us.

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

My mortgage product was coming to an end and I wanted advice on next steps.

How has Joshua Brown helped you?

My mortgage product was structured in a fairly complicated way. Joshua very helpfully explained how my product was currently working and advised on how I could simplify any future mortgage product.

Have you seen the outcome you were hoping for?

Joshua gave me the tools and understanding I needed to assess whether the new product being offered by my existing mortgage provider exceeded that being offered in the market. I did not feel pressurised by Joshua to swap mortgage providers. He provided invaluable service!

What could they have done better?

N/A

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

As a nurse my wages made looking for a mortgage hard work.

How has Joshua Brown helped you?

Josh managed to find us a great mortgage offer and explained everything to us in lots of detail

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?

Remortgage

How has Joshua Brown helped you?

Gave good advice and fixed in a great deal for us.

Have you seen the outcome you were hoping for?

Yes

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

Obtaining a mortgage

How has Joshua Brown helped you?

In every way - was fantastic at answering any question we had whenever we needed. He made the process so easy! Always prompt in responding.

Have you seen the outcome you were hoping for?

Yes - mortgage obtained and have almost reached exchange.

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 in the process of buying my first home and wanted to consider my mortgage options.

How has Joshua Brown helped you?

Josh spoke through the various options, explored the market and we selected the most appropriate loan for me.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

It maybe would have helped to also see Josh's spreadsheet of options but I trusted his advice and selection.

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

To help find out whether we could get a mortgage with one of us having a poor financial situation.

How has Joshua Brown helped you?

Josh did lots of research into our situation to see what our possibilities were and spoke directly to lenders on our behalf to see whether we could be accepted. He provided really helpful advice and was always quick to respond on any queries.

Have you seen the outcome you were hoping for?

Yes we moved in to our first home in February 2018.

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

Application for a mortgage with limited financial records in UK

How has Joshua Brown helped you?

Worked with various suppliers to find a mortgage and terms that worked for me, particularly he found a company that offered extended term that kept payments to that which I could afford.

Have you seen the outcome you were hoping for?

Yes, mortgage received, and house purchased.

What could they have done better?

Nothing

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

The fixed term of our mortgage was running out and we needed advice on which new lender to go with and current rates.

How has Joshua Brown helped you?

Josh helped us find a new lender and a great rate! He was also very good at explaining things when I didn't understand.

Have you seen the outcome you were hoping for?

Yes, absolutely!

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

Buying a property for the first time

How has Joshua Brown helped you?

My understanding of how mortgages worked was vague and Joshua helped me to better understand the entire process. He was happy to answer any questions I had and explained everything really well so I didn't feel confused.

Have you seen the outcome you were hoping for?

Definitely! We bought the home we were looking for

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

I was remortgaging my house and asked Joshua to find me the best deal

How has Joshua Brown helped you?

He reviewed my circumstances, asked what my preferences were, and found me the mortgage that was best value for money. I couldn’t have done it without him

Have you seen the outcome you were hoping for?

Yes - I’m really pleased with my mortgage

What could they have done better?

I cannot think of anything Joshu could have done better

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

Applying for my first property.

How has Joshua Brown helped you?

Processed my mortgage application and insurances.

Have you seen the outcome you were hoping for?

Yes, we have been in our property for over a year.

What could they have done better?

Everything Josh completed was brilliant, it was as smooth as it could have been!

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

Looking out for our perfect home as a first time buyer and the need for mortgae to achieve the goal.

How has Joshua Brown helped you?

Joshua has guided us in each phase of our journey and ensured we found our perfect home . In addition to being the mortgage adviser even helped sharing property listing from time to time and eventually we owned from one such flat listing which he too shared with us ,which shows his intent of helping beyond. Excellent mortgage advise that guided us through the maze of mortgages and making sure we have the best family insurance protection ..

Have you seen the outcome you were hoping for?

Yes

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

Renewal of mortgage from interest only to repayment.

How has Joshua Brown helped you?

It was long overdue but I was worried it would cost me more. Josh explained how mortgages work in a way that I understood which I have never had explained before.

Have you seen the outcome you were hoping for?

Yes. As a result I hope to own my property by the time I retire which would not have happened if Josh had not helped me.

What could they have done better?

Nothing. I am completely satisfied with the result I got and will come back to Josh when my mortgage is due for renewal in 2020.

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

Residential mortgage and Re-finance

How has Joshua Brown helped you?

Found me a better solutions for my mortgages and re-finances

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Josh has always come up with an answer to complex situations

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

First house purchase

How has Joshua Brown helped you?

Debunked the whole first time buying process for us and enabled us to select the best mortgage for our needs.

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.

How has Joshua Brown helped you?

Excellent help from very early stage before start looking property. With His help I have been able to plan my budget and option on lending ..

Have you seen the outcome you were hoping for?

Yes better than expected..

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

I was looking to buy a property.

How has Joshua Brown helped you?

Joshua went over and above what I expected from this service to help me find the right mortgage product and insurance. Joshua gave me great advice on the lender’s requirement to ensure that I am looking at the right properties.

Have you seen the outcome you were hoping for?

I have found the right mortgage product but I am still looking for the right property which is expected given the current climate.

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

Looking to move to better area

How has Joshua Brown helped you?

Mr.Brown adviced me very well,very professional and understanding,very honest,I am extremely happy that I met him and he managed my remortgage and new mortgage very well.

Have you seen the outcome you were hoping for?

Yes

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

Looking to buy a house. Wasn't happy with the Banks mortgage offer.

How has Joshua Brown helped you?

Josh was very informative and found the right options for us considering our situation.

Have you seen the outcome you were hoping for?

Yes we found the best mortgage and purchased the property.

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

Buying first home

How has Joshua Brown helped you?

Choose mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

N/A

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

I was in the process of buying my first house and needed mortgage advice

How has Joshua Brown helped you?

Joshua was extremely professional and knowledgeable which made for a swift sales process

Have you seen the outcome you were hoping for?

I purchased my house with Joshua's assistance and would recommend him to any other buyers

What could they have done better?

Nothing I can think of

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

I was looking to find the best rates

How has Joshua Brown helped you?

He understood my requirements and looked at the best options for me. I had some confusion over the difference in rates and terms of the mortgage offers and insurances etc. and Joshua explained them really well that I had a good understanding after speaking with him.

Have you seen the outcome you were hoping for?

Yes

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

Needed funds for home improvement

How has Joshua Brown helped you?

Got me what I needed

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing

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

We were buying our first home and looking for the best mortgage deal.

How has Joshua Brown helped you?

He helped us in securing a mortgage and was very helpful, he guided us really well.

Have you seen the outcome you were hoping for?

We got our mortgage application approved and are now happy owners of the property.

What could they have done better?

I feel that his advice was excellent and we are completely satisfied.

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

We were remortgaging our home after the first fixed term ran out

How has Joshua Brown helped you?

He helped us find a good deal that suited our income and outgoings perfectly, with good, understandable advice and was also very receptive to what we wanted to do with our money.

Have you seen the outcome you were hoping for?

Yes, we have a new fixed mortgage with a great rate

What could they have done better?

Can't think of anything in particular, left the meeting fully clued up and the remortgage has gone through all smooth