Working with Smiths Financial Solutions was one of the best decisions we made as first-time buyers. We recommend Luke Platt without hesitation! He truly cares for his clients, he is professional, ve... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Company details
- Mortgage broker
- also in
- Health insurance agency
- Home Insurance Agency
- Income Protection Insurance Company
- Insurance broker
- Life Insurance Agency
Written by the company
Mortgages & Protection made simple. We have access to a comprehensive list of lenders to ensure that we find the best deal for you. We specialise in all types of Residential Mortgages, including Adverse Credit, First Time Buyers, Re-mortgages and Shared Ownership. We also cover all types of Buy to Let Mortgages, including First Time Landlords, Limited Company and HMO's.
Contact info
21 Connaught Avenue, CO13 9PN, Frinton on Sea, United Kingdom
- 08000016515
- richard@smithsfinancial.co.uk
- smithsfs.co.uk
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Amazing service
Amazing service, Richard has been great from the get go, responded very quickly and has been good at keeping me well informed throughout the whole process, also very knowledgeable and answered all my questions.Highly recommended
Very glad I went with Smiths Financial Solutions
I had a really positive experience working with Smiths Financial Solutions while arranging my mortgage. Richard was very responsive throughout the process and always quick to come back to any questions I had. As a first-time buyer there was a lot to navigate, but he took the time to understand my situation properly and explained the options available to me clearly.
I felt well supported from start to finish. Richard kept things moving, provided plenty of useful information, and made sure I understood each step of the process. Communication was excellent and it was reassuring to know I could ask questions whenever needed.
I’d definitely recommend Smiths Financial Solutions to anyone looking for a mortgage broker.
Amazing
Luke was amazing he not only got us a Great mortgage but reassured us when things got tough and went out of his way to help us! Definitely recommend!
Great Service - Would highly recommend!
We contacted Smiths Financial to explore moving from our SO property for a house on the open market as we weren't sure is this was viable at the time. Luke Platt guided us and sourced a mortgage for us to be able to do this! We are very grateful of his services and would definitely recommend them!
5* Well Deserved for Luke!
I came across Smiths Financials on a Facebook group who came highly recommended. We had said we were going to move after the next financial year but came across a property that we liked before this but were unsure if it were at all possible. We got in touch for some guidance and Luke worked his magic for us to be able to get a mortgage! Thanks Luke for being so supportive of us! Would recommend them in a heartbeat!
The best broker !!!
What an amazing service me and my partner have been provided ! We started last year speaking to brokers and we got told it wasn’t possible for us to get a mortgage as they said no one would lend to us we almost gave up until we spoke to Richard honestly Richard is so friendly , professional and really knows what he is doing he got us a mortgage offer so fast and then the house was taking longer than expected and Richard had a new offer come through and what was better and he yet again did it for us !! It’s mine and my partners first time buying and he really took his time to explain everything to us and whenever we had a question he was at the end of the phone ! He was absolutely amazing and we can’t fault him one bit he goes above and beyond for his clients and really is the best in the game !! I would 1000% recommend !! Thank you somuch Richard we really appreciate it and will definitely be recommending to family and friends ! :)
Don’t look anywhere else!
I found Rich online and I am so glad I did! His service has been flawless from start to finish and he’s been so great at making sure I understand everything. His approach is always positive and will not give up like the other broker I spoke to did. Have already recommended him to a work colleague. Would 1000% recommend Smiths Financial.
Mortgage advice
I wasn’t sure if I’d be eligible for a mortgage but Richard was fantastic. Helped to secure a mortgage offer. And find reasonably priced solitors.
He’s been at the end of the phone every step.
Highly recommend Richard and the team at smiths financial
Smiths Financial Solutions were such a…
Smiths Financial Solutions were such a great help in finding me a mortgage.
Luke is super helpful and responsive, taking me through each step of the way, explaining everything that I needed, whilst being personable and human at the same time.
I really appreciate the support and guidance that was given to me, and I would highly recommend anyone who is in need of a mortgage or any other services needed.
A big thank you to Luke, you have been amazing and I appreciate your support so much.
Great experience
We first found these lovely people on the Shared Ownership Facebook group, after seeing tons of people recommend them. We had a great experience, fantastic communication and sorted everything as quick as humanly possible. Luke has been very friendly throughout the whole process, no questions were ever too much and put my anxiety at ease. Highly recommend 👌
First time buyer mortgage
Luke was so helpful always keeping us updated during the process & happy to answer any questions we had. Very straight forward & made the process stress free and eased any worries we had. Would highly recommend :-)
Luke Platt, thank you
Working with Smiths Financial Solutions was one of the best decisions we made as first-time buyers. We recommend Luke Platt without hesitation! He truly cares for his clients, he is professional, very kind and always responsive. He took time to explain every step and answered all our questions. We always felt supported and never rushed. Luke made sure we felt comfortable with every decision, he went above and beyond to make sure everything went smoothly. We couldn't be happier, so massive Thank You!
Mirka&Przemek
Couldn’t recommend Richard Neilson…
Couldn’t recommend Richard Neilson enough, the hard work and service he gives you is amazing, nothing is too much. Please if you need a Morgage broker don’t think twice get in contact with him.
Outstanding service.
Smiths Financial have been absolutely amazing from start to finish, and I genuinely can’t praise Richard highly enough. He was fantastic throughout — communication was first class with regular updates, he was incredibly understanding, and he explained everything clearly every step of the way. I was absolutely chuffed to bits when he confirmed he had secured a mortgage for me. The whole process felt stress-free thanks to his support. I would 100% recommend Smiths Financial to anyone looking for an amazing service.
After speaking with several mortgage…
After speaking with several mortgage advisers, we felt overwhelmed and discouraged. Many of them focused on the issues in our situation--my being on maternity leave, my husband's few adverse credit marks and even concerns about our address history. By the time we reached out to our adviser, Richard Neilson, he was the fifth person we had spoken to, and we honestly didn't know what to expect.
But from the moment I messaged him, everything changed. He was incredibly reassuring, professional and proactive. Within just a few hours, he managed to secure us a Decision in Principle--something no one else had been able to do. From there, the entire process went smoothly and stress-free.
We've now received our mortgage offer and we couldn't be more grateful for the hard work, dedication and efficiency shown by him and his team at Smiths Financial. They turned a stressful journey into a positive and sucessful experience.
We truly can't thank them enough. Highly, highly recommended!
Excellent experience from start to…
Excellent experience from start to finish which was made possible by Richard. I appreciated the professionalism throughout. Thanks especially to Richard and his team for making our journey to home ownership possible.
Superb service from Richard
Superb service from Richard, very informative and helpful. Also very patient throughout the whole process. Would 100% recommend.
great service
I had a great experience with Smith Financial Solutions! Richard guided me through every step of the process, and I received my mortgage confirmation in just six days. I definitely recommend his services!
Fab for 1st time buyers
Rich was so knowledgable and brilliant in helping us get our 1st mortgage. We had a bit of a hiccup with our first high street lender and past issues, but Rich was super calm and quick in finding another lender to try. He kept us informed along the way, and advised us throughout the process. The new lenders were able to review all the information Rich provided and we had our new mortgage accepted in just 8 days! Rich talked us through everything in an easy to understand way, and made everything so simple. He helped arrange solicitors and communicated quickly and efficiently with both them and the estate agents on our behalf, which made everything really easy for us! Thank-you :) We can’t wait to move into our new home!
Great experience, thank you
We approached Richard after initially being told by another broker that he was unwilling to proceed to application due to a complex situation including 6 open defaults. I had felt extremely disheartened but decided to get a second opinion and I’m so glad I did!
From the first message, Richard has been nothing short of amazing, he approached the situation with pure empathy and reassurance. He took the time to ensure we understood the full process, always went through things in depth over the phone and was extremely responsive at all times. Richard was willing to go above and beyond and has made the entire process feel completely seamless.
We got our mortgage offer yesterday and couldn’t be happier. We would not hesitate to use Richard again in the future and would encourage everyone else to do the same. Thanks Richard!!
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.








