Neil Allan

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

How has Neil Allan helped you since your last review?

Renewed my mortgages.

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

How has Neil Allan helped you since your last review?

We were moving house and needed sage advice as our circumstances were a little unusual and complicated. Neil was patient and helpful from the outset, and I found him very informative about the mortgage process. Clearly very knowledgable, he was also able to help advise us with our BTL properties which helped to save us quite a bit from our current lender. Thanks Neil, we are very grateful for all your hard work.

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

How has Neil Allan helped you since your last review?

Neil helped us to renew mortgage at a very good interest rate and to cut the remaining mortgage term.

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

Myself and my partner were 1st time home buyers so we needed all the advice and help we could get as we went in totally blind.

How has Neil Allan helped you?

Neil went above and beyond to help us. Nothing was an inconvenience. He answered every email and phone call without hesitation. Any hurdle that we came across he quickly advised us on how to resolve it.

Have you seen the outcome you were hoping for?

Yes we got our desired outcome and it was alot quicker than we ever imagined. Within one week we had our mortgage agreed.

What could they have done better?

Nothing. His services were A*

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

We were first time home buyers and were looking for the best mortgage advisor around. We chose Neil after reading the reviews about him.

How has Neil Allan helped you?

Neil helped us to understand where we stand in terms of buying a house. He helped us to find ways to improve our credit score. Neil is very professional. He is very supportive and kind. The best in his work.

Have you seen the outcome you were hoping for?

Yes. We are happy with the service provided. We highly recommend Neil.

What could they have done better?

Everything was the best.

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

I have been with Neil previously and was very happy with his service, nothing was a bother.

How has Neil Allan helped you?

I did not think i would get a mortgage and from the start Neil was on the ball, I got my formal approval and i could not be happier. Neil was fantastic and i would highly recommend him to anyone requiring advice for mortgages. 5 star review.

Have you seen the outcome you were hoping for?

Yes, delighted!

What could they have done better?

Nil, nothing could be improved. High quality service.

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

TLDR: Great value for money. Well worth his fee. Plan to return in five years to renew. Invaluable advice and support given freely along the way. Not much else to say, but I've included a detailed explanation for my decision below: I first contacted Neil for a consultation much earlier in the year and despite this being a free one hour chat it was extremely thorough and responded to my very detailed (probably too detailed!) opening email about what I thought were fairly unique circumstances. I was not working with my current health condition but my earning potential was otherwise good, but with or without that additional income I was confident that I knew what I could budget for in order to buy a house with family; Whether a lender would see it the same way was an entirely different story. Like I say, Neil was very thorough and quickly identified major roadblocks and then minor issues that could be dealt with when we were actually progressing with an application. At the time I had an error on my credit file that I didn't fully appreciate the seriousness of. I was in the process of having it corrected, and had already obtained evidence that I had no outstanding debts/defaults, but I wrongly assumed that I could submit this evidence to the bank alongside the application. In actuality, if any lender had ran a hard search on my profile during this time, picking up on this 'default', it could've resulted in a refusal and seriously damaged my credit history further. Although it was always my intention to follow up with Neil to fully progress to a mortgage application anyway, this advice at this stage could've prevented someone else from pursuing the application on their own and risking, if not killing, their entire chances of getting a mortgage.

How has Neil Allan helped you?

After identifying the roadblocks that would need to be dealt with before coming back to Neil as a client, we discussed any potential challenges with my particular case. As I said, my health was a potential factor, alongside the fact I was part of three applicants. As it turns out, Neil actually enjoys a challenge! He reassured me that he had dealt with cases even less straightforward than mine before and was mostly able to get there in the end, and was clear that he'll only be due a fee if we get an offer. He got to work identifying the kinds of lenders that would be suitable and then gave an idea of the rates they would be charging, the monthly cost for the fixed term, and total term length for the amount we were (at that time) looking to borrow. Despite having a fairly decent deposit between us, I thought with lenders as they are, it could prove difficult to find one willing to lend at the top end of our budget. Not with Neil on the case; he found a few! For completely understandable reasons he doesn't usually identify who these lenders are during this free consultation, but you will come away with a good idea of what it's going to cost you and that's most important. It would be a few months before I was back in touch with Neil which was more than enough time to have my credit file corrected along with any other roadblocks. I think this was a perfectly fair way to handle it — since Neil identifies absolute impediments to any future mortgage application it, in a way, allows prospective clients to self-select out without judgement or incurring any financial loss; whereas those who overcome the absolute impediments can return and proceed with a formal consultation — effectively allowing Neil to focus his time more efficiently on cases he can successfully progress (which probably helps keep his fee so competitive). Neil kindly agreed to travel to where I was staying, which was a bit out of the way, all included as part of his service. In the first part of his formal consultation we went through his Terms of Business in detail along with the exact service(s) he can provide and how much he will be reimbursed for this. He also took time to cover exactly how to complain to the regulator if I ended up unhappy with the service. I understand that he is probably required to do this by the financial services regulator but he did not gloss over the topic making it clear that I can and should complain if I am unhappy and how I would go about it. It once again shows his level of professionalism and adherence to best-practice ethics (in a wider industry that can sometimes seem to lack these). He is completely transparent about the fee he will be due from you in the case of mortgage advice (currently £500 flat fee for a non-BTL mortgage) along with any financial incentives he may receive from lenders (or insurers in the case he recommends a policy for you). -- Incidentally, before contacting Neil, I found him through the VouchedFor website and what stuck out, on top of the very favourable ratings, was this (in my opinion) very fair, flat-fee payable only when the lender makes a formal offer; Notably, other brokers commonly had a fee which increased in increments as the value of the purchased property increased (sometimes even for relatively modest increases). -- After that it was simply a case of searching the market for the current best deal. Taking into account all of our circumstances, it was still going to be a challenge to find one for the top end of our budget but we were getting closer during the consultation. He asked me to leave it with him and, before departing, anticipated any outstanding documents I might need to request or have issued and keep for when we would come to a formal application. This could save you a lot of time later (and saved time in my case too, for the most part, only for one document issuer not sending exactly what was needed with up to date information). Sure enough, the following morning I woke to an Agreement in Principle in my inbox (to borrow from a lender at the top end of our budget). One of our priorities for our future house was space, but getting the space we needed was going to cost a premium in the city, so having this AIP at this price level allowed us to consider those more expensive houses and keep that possibility. In the end, however, seeing what this same money could get us outside of town allowed us to consider much more and eventually settle on something in the middle (ie nicer than what we were originally going for, plenty of space, for a little more than we originally aimed to spend out of town but much less than the top-end of our budget). We had an offer accepted in mid-September and came back to Neil by email to let him know. I felt bad that I made him work so hard to get that original AIP for so much but it was no problem to him. He was ready to spring into action but was very patient with us while we entered some further negotiations with the seller on some separate items which we wanted to consider putting on the mortgage also. Once we were ready, I came back to him again at the very end of the next week and was able to have him make his second visit to me by the middle of the following week. For both visits, Neil provided a detailed standard list of what will be needed in terms of documents and identification, but for this visit he did a full and thorough check of what he already had and identified the specific outstanding items so you can have them ready for the visit. This takes a lot of the pressure off when you might be prone to over-thinking and worry you've missed something from either the long list or the lender's specific requests on the AIP. We were able to progress the application from the existing AIP and even drop our deposit to keep more on hand for upfront purchases and still come in with monthly payments far lower than I was originally allowing for back when I first contacted Neil (although at that time I was aiming for a shorter term-length). With our circumstances Neil sourced us a 23 year mortgage (five year fixed) but gave us a full overview of how we could safely overpay without incurring penalties so we are still hopefully in a position to clear this within our original timeframe. Once the application was ready to submit, Neil requested the lender's product fee (all the while making it clear that there was the option to add this fee onto the mortgage with that particular lender/product, and did all the calculations to work out whether this makes financial sense so you can come to an informed decision on this). He confirmed he had submitted the application immediately upon receipt. This was consistent throughout the entire process; Neil was on top of replying to messages, offering updates, and in this case confirming the arrival of funds and acting on that quickly. He gave updates during the underwriting process, very quickly responding to the lender on our behalf (and letting us know), or requesting any new documents from us that the lender was requesting. He got these submitted very quickly once we got them to him. There was one unanticipated issue in which the underwriter rejected my income and with only the remaining two applicants incomes counted that could've put us out of range of buying this house without sourcing a significant increase to our deposit (and sacrificing all of our upfront spending budget). Neil explained to me he felt this was a mistake and had already communicated with several other underwriters and they felt the same, so he had already challenged it on our behalf. Had I been dealing with this application on my own I would not have had the knowledge/confidence to know that it shouldn't have been rejected, and wouldn't have had access to other underwriters for their opinion, so I probably would've had little choice but accept it. It could've destroyed our plans around buying a house and we would've been in limbo not knowing whether to look to another lender, reduce our budget and expectations, or just accept returning to the rent-cycle which leaves you completely at the mercy of the whims of a landlord. It was pretty depressing to hear this news and I didn't sleep that night, but it is all part of the attentiveness to detail and commitment to keeping his clients up-to-date that exemplifies Neil's service. By the next day he confirmed that his appeal was accepted and that the underwriter's original decision was in error. This was a big relief, and left only one outstanding document to submit, but that ball was in my court.

Have you seen the outcome you were hoping for?

I could tell Neil remains on top of his ongoing cases because he checked in intermittently to follow up. I got a photo of it submitted on the day it arrived and he confirmed by text/email a short while later that it was submitted to the lender. Once again, that was a Friday afternoon, and by Tuesday morning I received a text saying an offer was made and I'd be receiving a digital copy soon by email. That email arrived a short while later detailing next steps and explaining that it will also being sent to my solicitor which effectively ended Neil's ongoing role. In saying this, he also added that he would be on hand if I needed to follow up on any aspect or if there were problems with any details of the offer etc. This meant payment was due as per our agreement. I sent an email when it was sent and also asked about whether he will still be on hand to offer insurance policies. Within a short while he confirmed receipt of the payment and wrote a very detailed email laying out my options with seeking policies, including my option to search price comparison sites myself laying out the common pitfalls of this (so I can avoid them if I choose this route as opposed to cornering me into going with policies he can offer). There was a LOT of useful information there, tailored to our specific circumstances, all free of charge. He reminded me it's not something we have to sort immediately anyway, so I am free to take a few weeks to think about it and come back to him if it's the route I want to go. Whatever way I go with our insurance choice, I have no doubt I will return to Neil in five years for the mortgage advice and application. It was invaluable. Any broker's familiarity with the process will obviously take the hassle out of doing it as a lay-person but Neil's attention to detail and willingness to go the extra mile is characteristic of his service throughout. He also potentially saved us from a nightmare scenario if we had applied directly and the lender rejected my income with no intermediary to fight in our corner. I know in this cost-of-living crisis £500 is far from nothing, but I really feel it is cheap for the level of service we received, the headaches saved, two in-person visits (approximately a 1hr each-way commute from the city), and just the time investment into our case. That alone, if you said 20 hours work at £25/hr (which ignores business overheads and travel costs), is much less than the going hourly billing rate for most financial/legal advisers if you were consulting on other issues. I think 20 hours is reasonable because even if a professional doesn't need to invest 20 hours per application, I would've easily spent more than 20 hours on this if I had been doing it myself; and don't forget my first contact was back in February at which time I had a one hour conversation and detailed email reply (both would have required some prep-time), with a second conversation and visit in August and then another in October, all with updates throughout since reinitiating contact in August; with that context, 20 hours isn't too unrealistic and may even be an underestimate. But it's all kind of irrelevant; Afterall, it's probably not coincidence that Neil is the highest-rated adviser on here — based on the large sample of reviews including a significant volume of recent feedback. Despite all that he also still manages to be the cheapest as far as I can tell, so is arguably the best value just by default (no harm to any of the other advisers on here). Now, I would obviously prefer it if he didn't raise his prices beyond inflation too much in the next 10-15 years, but the reality is I would still come back if he did (well, up to a point lol!) and I would still consider him great value for money at prices comparable — or just above — his next best-rated competitors who currently charge more. I also think I would still be of this opinion if I had more standard circumstances because I think most ordinary people, no matter how good their financial position is, could easily be thrown an unexpected curveball by the lender (eg an initial quibbling or outright rejection of sole-trader/self-employed income despite high earnings) and a broker like Neil is going to take the headache out of all of that and sort something that is going to get you to where you want to be.

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

buy house

How has Neil Allan helped you?

Very professional

Have you seen the outcome you were hoping for?

yes

What could they have done better?

all good

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

How has Neil Allan helped you since your last review?

Home Insurance new policy

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

How has Neil Allan helped you since your last review?

Neil was great, explained everything very well and made sure I was comfortable with the choices we made! Look forward to working with him again when I evaluate my next fixed term for my mortgage!

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

I was looking for a broker to help me navigate buying my first property

How has Neil Allan helped you?

Neil was great in the entire process - he helped me understand the different products on offer, guided me through everything and made a stressful process very easy!

Have you seen the outcome you were hoping for?

Yes! I got my mortgage offer without any issues!

What could they have done better?

I could not have asked for anything more from Neil, he did a great job from start to finish!

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

How has Neil Allan helped you since your last review?

We have updated our mortgage agreement and bought another house for rental and again Neil has dealt with this. We would 100% recommend for any mortgage or financial advice.

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

Looking for a broker to arrange best value mortgage rates when mortgage was due for review

How has Neil Allan helped you?

Helped me access the best products on the market for our needs.

Have you seen the outcome you were hoping for?

Yes - got exactly what I had hoped for.

What could they have done better?

Not possible to improve service - Neil has an excellent attitude and professional manner and approach to business at all times.

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

Searching for Mortgage being a "fresh" UK resident

How has Neil Allan helped you?

Neil did find a lender working with recent UK residents and brought the matter to the offer from the lender

Have you seen the outcome you were hoping for?

I do.

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

we were looking to start a property company

How has Neil Allan helped you?

Neil helped us with set up and acquiring the finance to get the first property on board

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 been recommend to go with Neil from friends

How has Neil Allan helped you?

Neil has helped us both to get our money that we required for the future.

Have you seen the outcome you were hoping for?

Absolutely 100%

What could they have done better?

We could not have asked for anything more from Neil, he has done a fabulous job.

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

We needed a BTL Mortgage.

How has Neil Allan helped you?

Neil has helped me enormously by firstly listening to my future plans/budget/current financial commitments, then sourcing the best BTL mortgage products from a huge range of available mortgage providers, then patiently making sure I understood the products that he recommended. He kept me informed with each step of the mortgage application process, and chased me for outstanding documents! I felt the whole process ran smoothly and efficiently. What I liked too was the fact that Neil always answered your calls or at least messaged back to say he would call back asap and he did just that! Neil is such an approachable guy who is genuinely interested in you as a person. I would have no hesitation in recommending Neil to family and friends.

Have you seen the outcome you were hoping for?

Absolutely! We have purchased our BTL Investment property using a mortgage advised by Neil.

What could they have done better?

Neil was great, he went above and beyond to help us.

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

How has Neil Allan helped you since your last review?

Again, Mr Allan has guided me regarding insurance as well as renegotiating a better mortgage deal for my property. I would most definitely recommend his services.

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

Equity release

How has Neil Allan helped you?

Originally Neil helped us with equity release on our home for home improvements, since then he has helped us with various different things, potential rental investment and renewal of our fixed rate on our mortgage.

Have you seen the outcome you were hoping for?

Once Neil had all information, he was efficient and professional with the equity release we received our funds around nine weeks after our first contact/ meeting with him. He contact us recently regarding our fixed rate renewal and explained everything in depth and helped us make the best financial decision that suited us.

What could they have done better?

Neil was a great help with everything start to finish.

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

Difficulty understanding and navigating the market and getting good deals.

How has Neil Allan helped you?

Neil has helped me build a whole property portfolio and I am looking forward to doing more in the future.

Have you seen the outcome you were hoping for?

absolutely

What could they have done better?

Everything was perfect and professional.

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

First time buyer and had no idea where to begin! Neil was amazing from start to finish very transparent with fees etc. He was so efficient. Answered every question, and made the whole process of getting a mortage seem easy! Always there to take a quick phone call or respond to a message when I was unsure of something and would give me advice. I first seen Neil when I was looking at getting a mortage he advised me what I needed to do to be able achieve that and a few months later, I'm now a home owner thanks to him!

How has Neil Allan helped you?

He helped me secure my mortage!

Have you seen the outcome you were hoping for?

Yes!

What could they have done better?

Nothing. He was amazing from start to finish.

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

I wanted more information on finding a mortgage

How has Neil Allan helped you?

Talked me through it and help me find the right mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Neil Allan helped you since your last review?

He’s kept n touch

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

How has Neil Allan helped you since your last review?

Neil has been very helpful

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

Mortgage Advice and Application

How has Neil Allan helped you?

He helped me with my mortgage application and he made the process stress free and easy

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

He was brilliant all through, I wouldn’t change a thing.

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

How has Neil Allan helped you since your last review?

Mortgage help

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

How has Neil Allan helped you since your last review?

He gets me a great rate everytime our mortgage is up for review.

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

We found Neil via a search engine as we where looking for a first time mortgage a few yearsd back and since then he has been our go to for Mortgages and Insurances

How has Neil Allan helped you?

Neil from the start has been very helpfull and nothing is a issue

Have you seen the outcome you were hoping for?

Yes we have always seen an outcome and more than happy wit the service Neil give us

What could they have done better?

Nothing coulkd have been dont any better

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

How has Neil Allan helped you since your last review?

No

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

Remortgage

How has Neil Allan helped you?

Effective and efficient remortgage and insurance

Have you seen the outcome you were hoping for?

Yes

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

How has Neil Allan helped you since your last review?

No.

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

First time buyer

How has Neil Allan helped you?

Helped us get accepted for our mortgage and was very informative when questions asked

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all

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

How has Neil Allan helped you since your last review?

Renewed my mortgage.

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

How has Neil Allan helped you since your last review?

Mortgage my home with complex circumstances

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

How has Neil Allan helped you since your last review?

NA

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

Needed mortgage advice

How has Neil Allan helped you?

Always available to advise

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Neil Allan helped you since your last review?

Neil was amazing from start to finish, 100% recommend

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

I was in the market for a mortgage that suited my financial situation and goals. I needed professional guidance to navigate the complex mortgage landscape and secure a loan that was tailored to my needs.

How has Neil Allan helped you?

From the outset, Neil Allan exhibited an exceptional level of service that far exceeded my expectations. His dedication and effort in finding the right mortgage solution for me were evident throughout the process. Neil's in-depth knowledge and expertise in both insurance and protection, as well as mortgages, were invaluable. Neil went above and beyond to ensure that I was not only informed about all my options but also comfortable with the decisions I made. His assistance was comprehensive, from initial consultations to finalising the mortgage details.

Have you seen the outcome you were hoping for?

Yes, I've achieved the desired outcome thanks to Neil's meticulous approach. The mortgage package I received, with Neil's guidance, met all my requirements and expectations.

What could they have done better?

Honestly, Neil's service was impeccable. His responsiveness to communication was prompt, and his advice was always in my best interest rather than being financially motivated. His sincerity and trustworthiness made a significant impression on me.

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

My wife and I where in the market for a buy to let property and Neil came recommended by a friend.

How has Neil Allan helped you?

Neil has been a fantastic help sourcing us the best lender and throughout mortgage process, always easy to get touch with and most of all very pleasent to deal with.

Have you seen the outcome you were hoping for?

Yes the lender he recommended approved our mortgage and we are in the final stages of completion on the property.

What could they have done better?

Nothing, I honestly wouldn't have a single complaint.

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

How has Neil Allan helped you since your last review?

No but I due to go back next year

Please provide a brief comment about your experience with Neil

Never received a call or an email

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

Financial advice and support with purchasing a home.

How has Neil Allan helped you?

Neil has been a positive constant in the process of securing a mortgage offer. Always easily and quickly contactable to respond to my questions. Always friendly and full of useful advice.

Have you seen the outcome you were hoping for?

Yes.

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

How has Neil Allan helped you since your last review?

Neil provided me with excellent advice and service over a number of years which has been very much appreciated

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

End of mortgage term

How has Neil Allan helped you?

Neil has looked after our mortgage needs previously and it was handled professionally. We always knew we would return at end of this term.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Neil had everything just right.

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

Selling our house.

How has Neil Allan helped you?

Provided brilliant advice and guidance in our complicated selling journey. Knowing he was there to aid us really helped us through everything. He also advocated our case and got us the best possible mortgage.

Have you seen the outcome you were hoping for?

Definitely, if not better.

What could they have done better?

Not a thing, it was great.

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

How has Neil Allan helped you since your last review?

Neil continues to provide professional advice and service, help on hand when ever requested.

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

I had specific circumstances which required advice, as off the shelf products didnt fit my needs.

How has Neil Allan helped you?

Neil's advice and ability to source products has been extremely helpful and effective.

Have you seen the outcome you were hoping for?

Yes, I received full offer from provider.

What could they have done better?

Everything was great.

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

I was looking for a mortgage.

How has Neil Allan helped you?

Neil identified a suitable lender and worked through the application.

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 to buy a house

How has Neil Allan helped you?

Neil done everything he could to set us in the right direction for a mortgage. He kept us up to date along the way an we are very happy with his guidance.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

To be honest, nothing. He done everything he had to the best way in our eyes.

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

Buying a buy to let property

How has Neil Allan helped you?

Very helpful and knows his stuff no matter what you ask him

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?

We needed a mortgage with non-standard circumstances.

How has Neil Allan helped you?

Neil helped us apply for an obtain the mortgage.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

How has Neil Allan helped you since your last review?

This is my first review

Please provide a brief comment about your experience with Neil

Neil was very helpful.

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

Looking for a new house.

How has Neil Allan helped you?

He helped in helping pick the best deal for my mortgage

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 moving home and wanted to get some advice on taking out a new mortgage

How has Neil Allan helped you?

Neil has provided expert advice and helped me find a mortgage that suits me and explained everything from fixed to tracker mortgages, insurance, overpaying amongst other things.

Have you seen the outcome you were hoping for?

Yes

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 Neil Allan helped you since your last review?

We had a few issues with property boundaries during our purchase and weren’t sure the sale would proceed. Niall was happy to answer questions about what our next steps would be. As usual he was great.

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

I was looking to do a buy to let mortgage

How has Neil Allan helped you?

Neil advised me in detail what needed to be done to make this happen.

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 needed an advisor to help me get the right morgage

How has Neil Allan helped you?

Neil was excellent

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 2 purchase our 1 st house

How has Neil Allan helped you?

Excellent service provided everything I needed

Have you seen the outcome you were hoping for?

Yes it did

What could they have done better?

Nothing the service was remarkable

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

We have bought a house many years ago and went to Neil for financial advise and got Neil to look after the purchase (inc. mortgages, life insurances) and covered all basis for us. Gave us great advice and got us a great deal. I have more recently just purchased another house with my fiancé and have been AGAIN given a great experience with Neil and has got us another great deal for our forever home.

How has Neil Allan helped you?

Great advice and always accommodated us around our working hours as well which was so helpful because we were in a hurry to get the house we wanted and put an offer in.

Have you seen the outcome you were hoping for?

Exactly what we wanted! Always goes the extra mile.

What could they have done better?

Nothing. Perfect to deal with.

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

I was a first time buyer looking for mortgage advice.

How has Neil Allan helped you?

Neil was able to explain the different products and found me the best deal to suit my income on buying my first home .

Have you seen the outcome you were hoping for?

Yes. I have been accepted for a mortgage.

What could they have done better?

Nothing. Neil was very helpful and prompt and made the whole process very easy as I was clueless as to how to even go about getting a mortgage. He sorted everything and took his time to talk me through all the information i needed to know.

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

Not having a clue about mortgages.

How has Neil Allan helped you?

He has took all the stress and hard work from dealing with everything from the beginning.

Have you seen the outcome you were hoping for?

yes 100%

What could they have done better?

He has done everything he said he was going to do.

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

My fixed rate had ended ,

How has Neil Allan helped you?

Neil helped us purchase our first home and has helped us again as our fixed rate had ended .

Have you seen the outcome you were hoping for?

Yes we are very happy with the out come .

What could they have done better?

NA

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

mortgages

How has Neil Allan helped you?

best ever help and services

Have you seen the outcome you were hoping for?

yes

What could they have done better?

all was done in time

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

I was looking to the future for my pension.

How has Neil Allan helped you?

He has got me mortgages when I need them.

Have you seen the outcome you were hoping for?

Yes most definitely.

What could they have done better?

Nothing.

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

How has Neil Allan helped you since your last review?

At this time I am only part way though a fixed rate which is far better than that on the market at this time

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

Unsure of the market

How has Neil Allan helped you?

First time buyers

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No everything went well.

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

I was buying my first home and I didn't know how to start. Neil came recommend by a friend.

How has Neil Allan helped you?

Neil talked me through the process and explained the options available me. He was impartial and explain the pros and cons of the options. He made the process easy and kept me up to date throughout the process.

Have you seen the outcome you were hoping for?

Yes, I have been able to get the result I was looking for.

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

I needed an advisor who knew the NI mortgage market as not all lenders will lend there.

How has Neil Allan helped you?

He has always sourced best deal available and completed all the mundane application processes on my behalf.

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 new house and wanted support from a trained professional.

How has Neil Allan helped you?

Neil has been my mortgage advisor for around 8 years and has help me buy a house and remortgage 3 houses on several occasions.

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?

Remortgage to buy ex's share of the property

How has Neil Allan helped you?

Neil was fantastic in looking for a new mortgage for myself as current provider wouldn't let me take current mortgage on my own.

Have you seen the outcome you were hoping for?

Yes, no obstacle was too big for Neil. Very professional, friendly and understanding. He got me a great deal on a remortgage!

What could they have done better?

Absolutely nothing!

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

To purchase my first property

How has Neil Allan helped you?

I had been knocked back by a few mortgage brokers this past year due to the lenders affordability tightening up, so I decided to reach out to Neil Allan at The Mortgage Centre Derry to get his thoughts on the process. After a lengthy call with Neil, I decided to proceed with his services. Neil Allan was phenomenal, I will definitely be recommending his services to everyone! I successfully purchased my first property in April 2023. The moment I spoke to Neil, I felt confident and safe in his hands. Neil explained the whole process in a clear and professional manner in which I understood all requirements and steps of the process. Neil made himself readily available by phone or email at any time of the day / evening which helped put my mind at ease if any questions arose. Neil prepared everything for the application. The process was smooth and extremely quick! To say Neil is an expert is an understatement! He goes above and beyond for his clients! Thank you for a fantastic service!

Have you seen the outcome you were hoping for?

Absolutely, over the moon with a mortgage offer.

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

How has Neil Allan helped you since your last review?

Continued support

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

How has Neil Allan helped you since your last review?

Honest advice

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

Further borrowing

How has Neil Allan helped you?

Further advance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing more