Julian Smith

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

to look for buy to let mortgage deal

How has Julian Smith helped you?

Julian has been absolutely fantastic throughout the entire property purchase process. His expertise and dedication were invaluable in securing the best mortgage deal for me. He was always available to answer my questions, explained every detail clearly, and kept me informed at every stage. His support made the process smooth and stress-free. I highly recommend his services to anyone looking for a reliable and knowledgeable mortgage broker.

Have you seen the outcome you were hoping for?

Yes

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

We contacted Julian initially based on a recommendation and thereafter, we’ve continued to recommend him to others.

How has Julian Smith helped you?

With Mortgage advice, amongst other associated topics.

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

N/A

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

We were looking for an advisor to assist us with remortgage.

How has Julian Smith helped you?

Prior to meeting Julian, other advisors were unable to assist us due to short length of remaining lease. Despite of a number of issues, Julian managed to find us a lender who offered us good rate with very reasonable terms.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

We were very happy with the services we received from Julian.

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

We were first time buyers looking to get onto the property ladder, and had no idea where to start. A friend recommended Julian and it was the best decision we made to reach out to him.

How has Julian Smith helped you?

He helped guide us through the process from obtaining a mortgage in principle to putting in an offer, eoght through until completion.

Have you seen the outcome you were hoping for?

Over exceeded

What could they have done better?

I cannot think of anything

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

Mortgage to purchase my first flat. Also when it came time to move and remortgage again.

How has Julian Smith helped you?

He always advised on best offers in the market

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 required a non-standard mortgage to purchase a property in a timely manner. The mortgage needed to be penalty free to allow us to make payments in the near future following the sale of assets, with a view of changing to a traditional mortgage once the additional funds were added to the mortgage.

How has Julian Smith helped you?

Julian helped us find the mortgage product most suited to our needs and considered our personal circumstances to ensure any options put forward would work for us. Julian's advice has been second-to-none and any queries we did have were answered very promptly, in a way we understood. The whole process has been a pleasure, which is all the more impressive, given the complex nature of our position and requirements. We have previously utilised Julian's services in the past and would not go anywhere else.

Have you seen the outcome you were hoping for?

Yes, we were presented several options and assisted with finding the correct product for us with exceptional service and advice.

What could they have done better?

N/A

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

We were guying a house. He was recommended to us by family.

How has Julian Smith helped you?

Julian helped us find a suitable mortgage which had been difficult with my husband being self-employed. He found one easily and quickly. He then helped us arrange insurance for our future. Which we are very happy to have done as it will protect our family financially.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing. He was very quick in the support he offered. Everything in arranging tje mortgage and insurance was made easy with hos support.

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

I have known Julian since past 20 years . He has helped me immensely for buying 2 houses , equity release , mortgage and re- mortgage advice as well as insurance .

How has Julian Smith helped you?

Julian has done all the hard work promptly and has provided excellent advice and support throughout the process of mortgage & re- mortgage . LHe is intelligent and is well versed with the financial market at all times . He has provided me with the best advice instantly for all my queries .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Keep up the good work .

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

We own a property investment company and were not happy with the surface level mortgage advice we were getting from other estate agent advisors or "free" advisors. We needed to work with someone that had in-depth knowledge and experience.

How has Julian Smith helped you?

Consistently finds us the best rates, explains everything in clear English, and always has his eye on keeping the process as smooth and communicative as possible.

Have you seen the outcome you were hoping for?

100% and more.

What could they have done better?

Lived closer so we could actually meet out in person. :)

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

Converting my Buy to let Mortgage to residential

How has Julian Smith helped you?

Tremendously

Have you seen the outcome you were hoping for?

Indeed

What could they have done better?

All aspect of support were satisfactory

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

I was buying my first home.

How has Julian Smith helped you?

As a first time buyer and new to the process, Julian took me though how everything worked and what I should expect. Julian secured me a great rate on my mortgage at the time when everything was in flux and I could not be more grateful for the help and support I received. With a good understanding of my situation Julian gave well informed advice about insurance products and I am really happy with what he recommended, it suited my situation perfectly. At all times Julian was courteous and professional, responded quickly to emails and was always happy to talk when we had to discuss something in more detail.

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Nothing! The service I received was perfect.

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

We were looking for a financial advisor to help us find and secure a mortgage for our first home.

How has Julian Smith helped you?

Julian is all around excellent, with a good array of comprehensive knowledge and ongoing market colour. In addition, Julian is always very easy to contact taking his clients seriously by quickly answering the phone/email etc. Although our first purchase fell through, Julian helped us to transfer this mortgage to our new property (now home) while keeping a favorable interest rate.

Have you seen the outcome you were hoping for?

Yes

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

Re-mortgage and taking out 2nd mortgage.

How has Julian Smith helped you?

He helped us meet our requirements, gone above and beyond to liaise and help push through the contracts, great advice and experience, personal and friendly service.

Have you seen the outcome you were hoping for?

Yes! Very pleased!

What could they have done better?

Nothing, absolutely pleased.

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

Buying and selling a house

How has Julian Smith helped you?

Julian was amazing from start to finish, nothing was ever too much for him and he was prompt to respond always and provide information above what we asked for to be as helpful as he could. For instance working late to make sure we got our new mortgage offer through before the rates increased. We also had many failed attempts but her persevered happily.

Have you seen the outcome you were hoping for?

Yes definitely!

What could they have done better?

Nothing !

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

Julian helped me remortgage my house to support my daughter's flat purchase. He made the process painless and I never felt rushed to make a decision. He was patient, professional and found me an excellent offer via the Nationwide Building Society. Even after our purchase he made time to answer further questions. I have no hesitation in recommending Julian, his knowledge of the world of mortgages was second to none!

How has Julian Smith helped you?

He helped me find a competitive ten year remortgage

Have you seen the outcome you were hoping for?

Yes. I have been able to help my daughter buy her first property.

What could they have done better?

Nothing. The service was great!

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

Help with finding a mortgage

How has Julian Smith helped you?

Julian has helped us both with our first mortgage and or re-mortgaging.

Have you seen the outcome you were hoping for?

Yes, on both occasions everything went very smooth

What could they have done better?

Nothing...all perfect.

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

Purchase of a new property

How has Julian Smith helped you?

Julian helped find and secure a mortgage

Have you seen the outcome you were hoping for?

Yes, in the current financial climate Julian found me great terms.

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

Purchasing a new property, so required Mortgage assistance. Julian had been highly recommended to me by a friend.

How has Julian Smith helped you?

Julian was excellent in finding me a great mortgage and offering advice when there were delays in the sale/purchase.

Have you seen the outcome you were hoping for?

Yes, everything was dealt with quickly and efficiently.

What could they have done better?

Absolutely nothing. Julian was excellent and I cannot rate him highly enough.

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

I needed one

How has Julian Smith helped you?

On top of all the issues, always helpful no matter what the query was

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

All good

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

Needed a mortage

How has Julian Smith helped you?

By setting my mortage up, and in the process of setting up protection for life and critical ins

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing at all. Great service throughout

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

To sort out aquiring a new mortgage

How has Julian Smith helped you?

sorting me the best deal taking in consideration my particular situation

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?

Having used Julian Smith previously it was an absolute no brainer to go back to such a professional and efficient mortgage advisor. He puts you at ease through every step of the process with a completely calm and pleasant manner.

How has Julian Smith helped you?

He put a mortgage together for us and I wouldn’t use anyone else and have recommended his services to others.

Have you seen the outcome you were hoping for?

Without hesitation we got the best deal on our mortgage and couldn’t be happier.

What could they have done better?

Nothing! Julian is a very committed and competent financial advisor who makes life as easy as possible.

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

We were due to remortgage and wanted to make sure we knew about all of the options available to us.

How has Julian Smith helped you?

Julian talked through our circumstances, found suitable options discussing the pros and cons of each to help us make a more informed decision.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing at all. We are pleased with the service start to finish and will be coming back to Julian next time round.

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

I needed a mortgage quickly and my finances were non-standard

How has Julian Smith helped you?

Extremely good communicator and able to get the mortgage offer in a few days

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 Julian Smith helped you?

Helped me understand the whole process, reassured me, found the best rates and offered alternatives. Very professional.

Have you seen the outcome you were hoping for?

Yes and very pleased.

What could they have done better?

Nothing - very professional and well pleased.

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

Julian has been recommended to me when I was buying my first home.

How has Julian Smith helped you?

Julian has been very helpful for me. As a first time buyer I had many questions and he patiently explained to me all the procedures.

Have you seen the outcome you were hoping for?

Yes, I have moved in to my new home.

What could they have done better?

Honestly, I couldn't wish for a better financial adviser

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

Looking for a mortgage when upscaling to a larger property with garden and room for business use.

How has Julian Smith helped you?

Julian found us a competitive deal for the mortgage in the property we eventually settled on. He was also very flexible and responsive when we were assessing various options through the property search.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing. Very efficient and helpful.

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

I was buying my first flat with a friend.

How has Julian Smith helped you?

Julian was a massive support through this whole process, my friend and I really felt like we could rely on him and trust his opinion. This made our lives so much easier during what was a very stressful time with estate agents and solicitors not being particularly useful or helpful!

Have you seen the outcome you were hoping for?

Yes definitely - I would 100% recommend.

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

Mainly mortgages

How has Julian Smith helped you?

With over 90% of all my mortgages

Have you seen the outcome you were hoping for?

Definitely

What could they have done better?

Maybe diversified a bud more

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

A re-mortgage and buying a property.

How has Julian Smith helped you?

I bought a flat and have re-mortgaged 3 times

Have you seen the outcome you were hoping for?

Yes definitely!

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

For the mortgage on a property back in 2015 and then the remortgage in 2020.

How has Julian Smith helped you?

Without Julian I don't think I would be on the property ladder. Finance is not my strong suit and that is a huge understatement. I'm a mortgage providers worst nightmare, I'm self employed and chaotic with my bookkeeping! He is patient and proactive - I would recommend him to anyone.

Have you seen the outcome you were hoping for?

Absolutely. Yes

What could they have done better?

Short of actually paying my mortgage for me....No

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

Taking out a mortgage.

How has Julian Smith helped you?

Helped us quickly secure an affordable mortgage with a competitive rate. Julian was always accessible and responded very promptly, he was always happy to chat through the silliest of questions and never put us under pressure to accept/sign up.

Have you seen the outcome you were hoping for?

Yes, 100%.

What could they have done better?

It's cliched but from our point of view, nothing. We wanted a mortgage and didn't really know any more than that. Julian dealt with everything, his fees are very reasonable and with his help we got the house we wanted.

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

Mortgage renewal.

How has Julian Smith helped you?

We have been lucky enough to receive Julian’s advice for a few years now and very thankful for his knowledge and professionalism.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

We are honestly very satisfied with the service provided by Julian. He was always in communication with us and kept us up to date with the process. Always happy to answers any questions and very quick in doing so. Thank you.

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

Mortgages for personal residential and BTL properties.

How has Julian Smith helped you?

Provided many different scenarios for potential outcomes of my refinance, sale and potential new mortgage which then allowed me to make a more informed decision

Have you seen the outcome you were hoping for?

Yes sold as opposed to refinance allowed me to purchase the new property

What could they have done better?

NA

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

My friend recommended using Julian's services as he had previously used his services to obtain mortgages. I contacted Julian for advice on obtaining a mortgage on a pre-fabricated timber building - not your average mortgage request!

How has Julian Smith helped you?

Julian provided me with great advice and also went out to varying mortgage providers to find me a suitable lender.

Have you seen the outcome you were hoping for?

I had a great outcome and found a lender that would provide us with the finance required.

What could they have done better?

Nothing! Julian was excellent from the start. He made what was a relatively daunting experience ever so easy and was always on hand to provide support and advice whatever the query!!

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

Review of financial position

How has Julian Smith helped you?

Sought and recommended mortgage and life insurance package.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

No Julian was excellent

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

To advise us on and find a mortgage for the property we were purchasing.

How has Julian Smith helped you?

He got got us a great mortgage and offered very helpful advice.

Have you seen the outcome you were hoping for?

Yes!

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

Required Mortgage.

How has Julian Smith helped you?

Secured mortgage offer tailored to my circumstances

Have you seen the outcome you were hoping for?

Yes, exceeded expectation.

What could they have done better?

N/A

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

Back in 2012 my husband and I decided to sell our home and downsize in order to release equity to buy several buy to let properties

How has Julian Smith helped you?

Julian helped us to get several mortgages on different properties at the same time

Have you seen the outcome you were hoping for?

Absolutely. We have continued to use Julian as our mortgage broker ever since our first transactions. We can always rely on him to find us the best mortgage deal for our needs. He also takes all of the stress out of the process, he is very responsive, always very professional and reliable.

What could they have done better?

I cannot think of anything to be improved

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

Buying out my ex-wife from the house we shared.

How has Julian Smith helped you?

Walked me through every step and assisted in chasing the lender and solicitor when needed

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 access to all products available in the market

How has Julian Smith helped you?

He picked the best product in the market at the time

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?

Change mortgage product

How has Julian Smith helped you?

Completely sourced and with my agreement switched to a good product

Have you seen the outcome you were hoping for?

Yes

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

Remortgage of principal residence and remortgage of investment property

How has Julian Smith helped you?

He secured us new mortgages for both properties on great rates

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don't have anything to add. We have been very happy with Julian. He is extremely responsive and easy to deal with.

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

First time home buyers.

How has Julian Smith helped you?

Julian found us the best possible mortgage and matched us with the right income protection and life insurance.

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?

Being a freelancer and using self assessment for tax returns i needed advice to get a mortgage.

How has Julian Smith helped you?

Made things simple and easy with great communication

Have you seen the outcome you were hoping for?

Yes most definately

What could they have done better?

Nothing at all. Everything was smooth and perfect.