Paul Kozyra

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

Our mortgage fixed term was ending.

How has Paul Kozyra helped you?

Paul found us new competitive 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?

First time buyer

How has Paul Kozyra helped you?

Advice, savings and everything in between

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Na

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

Buying a house

How has Paul Kozyra helped you?

Helped us get a mortgage and understand how to get a mortgage!

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?

Initially we needed an advisor for our first home.

How has Paul Kozyra helped you?

Paul was lovely, friendly & professional throughout and was constantly there for my questions and pestering!

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?

House purchase

How has Paul Kozyra helped you?

Paul went above and beyond to male sure I got my mortgage when my landlord decided to sell the house I was in . I have nothing but praise for Paul and would recommend him to anyone who was in need of help .

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing , totally exemplary service

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

Mortgage needed for new property

How has Paul Kozyra helped you?

Balanced and reliable advice. Sorted out quickly. Nothing too much trouble - Paul was brilliant

Have you seen the outcome you were hoping for?

The outcome is as expected

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

Myself and my partner were looking to buy our first house. Paul was recommended through family and he did not dissapoint.

How has Paul Kozyra helped you?

Enabled us to obtain our first mortgage and helped with the insurances and made the transactions seamless and effortless.

Have you seen the outcome you were hoping for?

We have 100%

What could they have done better?

Absolutely nothing, i could not recommend Paul enough.

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

Moving house

How has Paul Kozyra helped you?

Worked really well with us to find a great rate that suited our 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?

First time mortgage

How has Paul Kozyra helped you?

He’s helped me numerous times over the past 10 years, all with great success

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing

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

We were first time buyers, in unusual circumstances as business owners.

How has Paul Kozyra helped you?

We needed an expert to help us navigate the more complicated mortgage application procedure as business owners.

Have you seen the outcome you were hoping for?

We got the house - so yes!

What could they have done better?

n/a

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

We were buying our first house and needed advice regarding our mortgage.

How has Paul Kozyra helped you?

He helped set up a mortgage for us.

Have you seen the outcome you were hoping for?

Yes, he got us a great mortgage at a really good rate.

What could they have done better?

Nothing, absolutely no complaints!

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

Mortgage advice

How has Paul Kozyra helped you?

Found me great deals and done everything for me

Have you seen the outcome you were hoping for?

Yes definitely

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

My ex husband was self employed

How has Paul Kozyra helped you?

Get mortgage and life insurance

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 needed to understand mortgage options a couple of times and always come to Paul.

How has Paul Kozyra helped you?

With a remortgage and then with a new mortgage for a new property.

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 were in the process of buying a house and needed to be sure we were getting the best rates.

How has Paul Kozyra helped you?

Paul explained the mortgage process in great detail and went through the various options with us. He took into account our personal circumstances when helping us to choose our mortgage product. He also spoke to us about our personal life insurances and put us in touch with an advisor who has assisted us with getting our plans in order.

Have you seen the outcome you were hoping for?

Yes. We now have our mortgage in place and the necessary insurances for income protection and life/medical cover.

What could they have done better?

There is nothing at this stage that I feel Paul could have done better - the whole process has been very smooth and removed a great deal of stress at an already stressful time.

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

Remortagaging and there is no one else i would rather use than Paul himself.

How has Paul Kozyra helped you?

Since day 1 has always made things that are complicated easy, seamless and stress free.

Have you seen the outcome you were hoping for?

Yes and better rates that what banks emplyoed MA's offer.

What could they have done better?

Nothing could not fault them at all

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

When looking for a mortgage I was recommended Paul's service's by a family member.

How has Paul Kozyra helped you?

Paul has reviewed the packages from his network and provided us with good advice.

Have you seen the outcome you were hoping for?

Yes the advice I was given has been accurate.

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

First house purchase.

How has Paul Kozyra helped you?

Obtain a competitive mortgage rate.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing.

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

We needed a new mortgage as our fixed rate term was coming to an end.

How has Paul Kozyra helped you?

Paul helped us almost 6 years ago to find the best mortgage deal when buying a home. 5 years later we returned to Paul to help us with a new deal and he found the best option available to us.

Have you seen the outcome you were hoping for?

Yes, although our mortgage has gone up it was much less than we were expecting and is still manageable.

What could they have done better?

Nothing - would and have recommended Paul to others.

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

Had used Paul previously for three remortgages and very helpful.

How has Paul Kozyra helped you?

Quick, effective and very helpful.

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?

Purchasing our first house, we were originally recommended Paul from a family member.

How has Paul Kozyra helped you?

2 mortgages & 1 remortgage

Have you seen the outcome you were hoping for?

Yes, exactly what we wanted.

What could they have done better?

No

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

Remortgage

How has Paul Kozyra helped you?

Helps us find a new deal

Have you seen the outcome you were hoping for?

Yes we are paying less than what I thought we would be on our new deal.

What could they have done better?

N/A

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

Paul has helped us for the last 9 years in securing a mortgage

How has Paul Kozyra helped you?

By getting us the best deals on a mortgage

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?

House purchase

How has Paul Kozyra helped you?

I’ve used paul for several property purchases and mortgage renewals and his service has always been second to none

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

No - brilliant service provided

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

House move

How has Paul Kozyra helped you?

Advice on moving my mortgage and arrangement for it without any stress

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?

Moving house

How has Paul Kozyra helped you?

Helped us look for the best rate and support for the family.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing , Paul has been exceptionally supportive at all times.

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

End of fixed term interest rate on mortgage.

How has Paul Kozyra helped you?

Found the best mortgage deal for our situation.

Have you seen the outcome you were hoping for?

Our payments have gone up obviously with the increase in interest rates, but not as much as we thought it would, thanks to Paul.

What could they have done better?

Nothing.

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

My mortgage needed to be renewed.

How has Paul Kozyra helped you?

Paul was incredibly helpful, efficient and professional when finding different mortgage agreements and helping me decide which would suit us the most.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing, Paul is great.

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

Remortgage

How has Paul Kozyra helped you?

Has worked on behalf of family for over 5 years

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Everything was done to agreed standard

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

Comparison across the market

How has Paul Kozyra helped you?

Arranged remortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, we locked in a lower rate at exactly the right time.

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

8 years ago we were due to remortgage and Paul was advised by a friend and from then on we have always sought Paul's advice and will continue to do so

How has Paul Kozyra helped you?

Helped us remortgage twice and purchase a new house

Have you seen the outcome you were hoping for?

Yes 100%

What could they have done better?

Nothing Paul is very knowledgeable and easy to get on it

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

I was a first time buyer and had no clue about mortgages and what would be the best rate for me and my circumstances

How has Paul Kozyra helped you?

Paul was always on hand to answer and questions, went through everything thoroughly so I understood everything we spoke about and made the process super easy for a first time buyer. The when it came to remortgage recently, Paul helped secure the best rate I could at time and offered advice when needed.

Have you seen the outcome you were hoping for?

Yes absolutely, very happy ?

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

Mortgage renewal.

How has Paul Kozyra helped you?

Reviewing my options and clearly explaining the best routes forward.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing to improve upon.

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

As a first time buyer in the UK, I needed good and honest advice. Paul was reccommended by a friend and has provided sounds advice that has really helped me.

How has Paul Kozyra helped you?

He provided me with competitive mortgage options and helped me apply. He has now also supported me in the renewal process.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing I can think of.

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

Mortgages

How has Paul Kozyra helped you?

Helped tremendously by assisting us in obtaining mortgages and life insurance

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not a great deal.

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

To take out a mortgage

How has Paul Kozyra helped you?

Paul has helped us to navigate the mortgage market, securing an initial mortgage and more recently a re-mortgage. He is knowledgeable, helpful and responsive.

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?

Mortgage deal coming to an end.

How has Paul Kozyra helped you?

Identified a suitable mortgage.

Have you seen the outcome you were hoping for?

Yes, all perfectly completed in a professional manner.

What could they have done better?

Nothing, it was all very straightforward.

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

Selling my house and buying a new house with my partner

How has Paul Kozyra helped you?

Organises porting my current mortgage and organising a top up mortgage

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can't think of anything

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

Remortgage

How has Paul Kozyra helped you?

Paul walked us through the process, ensuring our understanding and he helped us get the best deal

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not that I can think off, we're extremely happy with all of Paul's help and advice

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

House move

How has Paul Kozyra helped you?

By being clear and concise and given me confidence to be able to afford my mortgage by finding me the best rates

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing and would not go anywhere else now

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

Taking brother of the mortgage

How has Paul Kozyra helped you?

Advise me on what was needed as wasn’t just as straight forward as first thought

Have you seen the outcome you were hoping for?

Yes excellent

What could they have done better?

Nothing, communication on point could not recommend enough

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

Mortgage deal coming to an end so needed to know my options.

How has Paul Kozyra helped you?

Excellent at running through the options and getting me the best new mortgage deal. Also, helped me with my credit score and giving me advice on how to improve it.

Have you seen the outcome you were hoping for?

Better than expected as it actually came in at a lower rate than discussed.

What could they have done better?

On this occasion I don’t believe anything could have been improved.

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

Didn't know where to start with buying a house and were pointed towards PK finance

How has Paul Kozyra helped you?

Paul was very patient and helped guide us through the process of buying a house and was helpful with everything

Have you seen the outcome you were hoping for?

Yes we got our house

What could they have done better?

I don't think they could have done much better they went above and beyond overtime

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

We needed a mortgage.

How has Paul Kozyra helped you?

He helped us set up our mortgage and re new it 5 years later.

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?

Paul helped us with our Help to Buy Mortgage and changing provider.

How has Paul Kozyra helped you?

Paul was excellent throughout the whole process and made everything very easy to understand

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing. He was excellent

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

Purchasing my home.

How has Paul Kozyra helped you?

Paul has been a huge help throughout the process of purchasing multiple houses now. He is very knowledgeable, helpful & thorough.

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?

Home move

How has Paul Kozyra helped you?

Paul has arranged a mortgage and remortgage for us and got us a great deal both times with honest advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I was delighted with all aspects of Paul’s service

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

Renewal

How has Paul Kozyra helped you?

With the renewal

Have you seen the outcome you were hoping for?

Yes we got great service as usual

What could they have done better?

Nothing

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

I was contracting and so needed a specific mortgage.

How has Paul Kozyra helped you?

Paul was able to find me the right lender and mortgage

Have you seen the outcome you were hoping for?

I have yes

What could they have done better?

Paul was great, he came recommended to me and I have already recommended him to some friends.

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

Home Move

How has Paul Kozyra helped you?

Paul made sure that I could move house and not have to worry about getting the best deal with my mortgage as he had it all in hand, he even found a better deal closer to the time as rates had dropped again and he could save me even more money!

Have you seen the outcome you were hoping for?

Paul and his team are incredibly supportive and really know their stuff with regards to mortgage and protection advice. I felt that I was getting the best service by trained professionals delivered in a friendly comfortable way.

What could they have done better?

Nothing, everything was perfect

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

Concerned with rising Mortgage prices, and needed advice.

How has Paul Kozyra helped you?

He helped us look for the best Mortgage option. Even available via text in the evening after we needed extra advice.

Have you seen the outcome you were hoping for?

Yes, we took the advice and got the best result we could get.

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

My mortgage fixed term was due to be renewed.

How has Paul Kozyra helped you?

Secured me a new fixed deal and helped me complete the application.

Have you seen the outcome you were hoping for?

Yes. Remewed with convidence and security during interest rate fluctuations.

What could they have done better?

Nothing. Paul went above and beyond.

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

Paul has helped with previous mortgages

How has Paul Kozyra helped you?

His personal touch and keeping us updates in getting the best deal for our mortgage

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Nothing- he has been superb.

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

Neither for girlfriend or I have much experience in the mortgage market. It's extremely helpful and gives us piece of mind to get expert advice.

How has Paul Kozyra helped you?

Paul never failed to answer our questions. He was on hand whenever we needed him. It felt like he went above and beyond for us.

Have you seen the outcome you were hoping for?

Absolutely. We were able to secure an offer on a property and get exactly what we were looking for.

What could they have done better?

We had no issues to speak of so no improvements needed.

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

First time house purchase

How has Paul Kozyra helped you?

By explaining the process, and providing support in the areas I needed as well as offering clear advice for what would suit my needs

Have you seen the outcome you were hoping for?

Yes

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

We wanted to understand how much we could borrow

How has Paul Kozyra helped you?

Absolutely

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing! Beyond helpful!

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

Remortgage

How has Paul Kozyra helped you?

Researched the market and followed up to an agreement with the mortgagor

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

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

To re-mortgage as our current term had come to an end

How has Paul Kozyra helped you?

Paul advised us of what options we have to support our needs and provided us with the most suitable option for us to take action at the appropriate time.

Have you seen the outcome you were hoping for?

Yes we have

What could they have done better?

Nothing, we were more than happy with the service that Paul provided

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

Buying our first house.

How has Paul Kozyra helped you?

Paul has always gone above and beyond, consistently being available for us and supportive of all of our questions. He has been wonderful through the whole process.

Have you seen the outcome you were hoping for?

Absolutely. We had fantastic advice from Paul, helping us secure a morgage.

What could they have done better?

Nothing.

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

End of mortgage deal

How has Paul Kozyra helped you?

Clear information. Listened and helped me understand.

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 was a first time buyer and was nervous about the whole process

How has Paul Kozyra helped you?

Got me the best deal and took the time to explain everything to us and made the process easier

Have you seen the outcome you were hoping for?

Yes, Paul has been great

What could they have done better?

Nothing

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

Needed a mortgage

How has Paul Kozyra helped you?

Got me the mortgage at a great rate

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing required he was brilliant

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

Buying a home

How has Paul Kozyra helped you?

Paul exceeds all expectations. He goes above and beyond for you so that you always feel comfortable in the process. He is also always available for advise

Have you seen the outcome you were hoping for?

More so

What could they have done better?

He couldn't do any more for us

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

Struggling to get a mortgage and make sense of our options

How has Paul Kozyra helped you?

Paul was brilliant, he was understanding when we weren’t in a position to move forward and then so quick to get things moving when we were

Have you seen the outcome you were hoping for?

Yes absolutely, Paul made the whole process so much easier and was clear with advice and next steps

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

Needed work on credit scores and advice

How has Paul Kozyra helped you?

Guided us through step by step to achieve the better credit scores, found us the correct mortgage and couldn’t do enough to help.

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?

Initially for a new mortgage and 5 years later for a remortgage

How has Paul Kozyra helped you?

Paul is the best, I would only use Paul in the future.

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 have used Paul for years after getting to know him back in 2010 when I was moving house and seeking mortgage advice.

How has Paul Kozyra helped you?

Paul has been an absolutely fantastic support to me on a number of moves, he has always been there for advice, support and to bounce ideas off. He consistently goes way above and beyond what he has to do. I genuinely cannot fault his service!

Have you seen the outcome you were hoping for?

Yes, absolutely!

What could they have done better?

Nothing whatsoever! Perfect service ever time

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

My fixed rate deal was coming to an end, as Paul had originally done this mortgage, I was always going to come back to discuss a re-mortgage with him

How has Paul Kozyra helped you?

My re-mortgage was quick and easy, and got me a lower rate than my current lender would have reverted to

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing, Paul made the process so much easier, and put me in touch with his protection adviser

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

Mortgage advice

How has Paul Kozyra helped you?

Was very professional and practical

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 moving home. There’s no one else we trust to use more than Paul

How has Paul Kozyra helped you?

Paul goes above and beyond, no matter the day or time, he’ll be there to respond, support, and answer questions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Absolutely nothing. We had a great experience

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

Purchasing a property and needing help understanding the process

How has Paul Kozyra helped you?

Paul assisted me through 2 house purchases and helped me understand the process. He has been a fantasic help every step of the way!

Have you seen the outcome you were hoping for?

Yes