Smiths Financial Solutions Ltd Reviews 

Richard has been absolutely incredible from start to finish! From our very first conversation, he put us at ease with his friendly and professional approach. He made the entire mortgage process feel smooth and stress-free, always taking the time to answer every single question we had—no matter how big or small. His explanations were always clear and easy to understand, which made a world of difference to us as first-time buyers.

Richard kept us updated at every stage and went above and beyond to ensure everything moved quickly and efficiently. Thanks to his hard work and dedication, we received our mortgage offer from one of the best lender in the market, which is just amazing!

We truly couldn’t have asked for better support. Richard’s expertise, responsiveness, and genuine care made this experience so much easier than we expected. We’re incredibly grateful for everything he’s done for us. Thank you so much, Richard—you’re a real superstar!

Wow! Rich is absolutely incredible. He has really gone the extra mile for us. We have secured a viewing on a property very soon and he has worked incredibly fast to get us our DIP ahead of the viewing at a fantastic cost! Thank you so much Rich - special thanks to Luke for putting me in touch with Rich on his day off! 10/10 service

I can’t thank Richard enough for all of his help throughout my mortgage journey. From the very beginning, he was informative, patient, and always quick to respond to any questions I had. My situation was not straightforward, being a single mum of three young children and working part-time, but Richard worked hard to find me the right mortgage. Thanks to his expertise, I now have a full mortgage offer in place and due to exchange contracts next week. I’m so grateful for his support and I wouldn’t hesitate to recommend Richard to anyone in need of a reliable, knowledgeable, and genuinely caring mortgage broker.

The service we have received throughout has been outstanding. Our situation was a little more complex than your average remortgage and Richard worked tirelessly to find a solution that worked for us. He’s been so helpful and approachable throughout. We will definitely using Richard again in the future with all our financial needs. Thanks for a great service!

Smiths Financial secured us a great mortgage deal with low interest rate and huge overpayment allowance, even though we had tricky income. Rich worked tirelessly for us, replied to every message promptly, worked directly with our solicitor toward completion. We had a bombshell dropped on us by the sellers solicitor 2 days before completion, this was on a Friday, Rich contacted our lender on a Friday evening, liaised with our solicitor and had it sorted by Monday morning so completion was not delayed.

I don’t know how they manage to provide a service that is as good as it is, I know Rich had a number of other clients whilst dealing with our case but we never felt it, we felt like we were his only clients.

We have been more than happy with the services provided, the amount of work Rich undertook for us and the amount of trouble shooting he did was worth every single penny.

If you’re looking for a broker we highly recommend Rich and his team at Smiths Financial.

5 stars is not enough for the service Richard provides. He supports me from begin stressful journey of getting mortgage, believes more than I did, always positive and helpful anytime, very professional and inform about every step of the mortgage. Lots of advice too.
very highly recommend Richard

Single mum with 2 kids

Richard has been incredible. I first contacted him over a year ago as l had seen that he was highly recommended and following divorce l was interested in a shared ownership property. He consistently goes above and beyond, answers my emails evenings and weekends which suits me to send but would never expect a reply until office hours. He calls at weekends, spends time explaining what things mean and the implications. Richard has now secured me a mortgage on a house without needing to use a shared ownership scheme and l have already warned him l will be in contact when the time comes for mortgage renewal. I cannot recommend how efficient, friendly and helpful Rich is. The process has been incredibly quick and he has definitely played a huge part in that. I cannot thank him enough. Natalie

I would like to say a huge thank you to Richard Neilson- Mortgages from Smiths Financial. He is an outstanding mortgage broker. I have zero knowledge in mortgages but Richard explained me every single thing very patiently from start to finish. His professionalism, expertise and dedication to helping the clients truly stand out. I have been refused from a lot of lenders but Richard has gone above and beyond to get the mortgage offer finally.
I highly recommend Richard Neilson- Mortgages to anyone looking for an experienced and supportive mortgage advisor.

I honestly cannot recommend Rich enough! If you're struggling to get a mortgage, whether that be on the open market or shared ownership, if anybody can make it happen Rich can! Absolutely outstanding service right from day 1, amazing communication and just an all round nice guy. He made our dreams become reality, despite lots of bumps in the road along the way, and there will never be enough words to explain how thankful or grateful we are. 5* all round! ⭐️⭐️⭐️⭐️⭐️

I had an excellent experience with Smiths Financial Solutions Ltd, and I cannot recommend them highly enough. A special thanks to Luke Platt, who provided exceptional service, support, and clear communication from start to finish.

Luke was professional, approachable, and always available to answer questions, making the whole mortgage process smooth and stress-free. His knowledge and guidance gave me confidence at every step, and he went above and beyond to ensure everything was handled efficiently.

If you are looking for a reliable and trustworthy mortgage advisor, Smiths Financial Solutions Ltd – are outstanding.

Luke is an excellent advisor. True to his word he has never steered us wrong. With our rate dropping from 6.19% to 3.95% we had to act fast and Luke really pulled out all the stops to get us a great deal! I think, until he stops being an advisor, we wont stop using him! Great from start to finish!

We used Rich Neilson as a mortgage adviser after seeing so many positive reviews. We were very impressed with the service we received. He explained the whole process to us right from the start and was very responsive whenever we had any questions. He helped us secure our mortgage and guided us through the process, keeping us updated throughout. I was very worried but after chatting with him he made me feel much more confident. When our mortgage offer came through Rich was on Annual Leave but as he knew I was worrying over it he contacted us to let us know which was very thoughtful. We are glad we used Rich and I would recommend him to anyone he is fantastic.

Just wanted to say if you are looking for a mortgage broker then don't look elsewhere use smiths financial. I was pointed in Richard's direction from a shared ownership group on Facebook and I applied for a shared ownership property on a chance as I didn't think it would be possible on a single income.

In the early stages Richard was so attentive and provided very clear options and explained things in a very down to earth way, as a first time buyer the process can be quite daunting but having Richard to provide advice and guidance has really made this process hassle free at one of the most stressful times in my life. The house choice was changed by my HA a few times but each time this was not an issue for Richard.

Richard always exceeded the timelines and got everything back when it was required, no questions too small and the communication i had was second to none one of the best companies i have had the pleasure of dealing with. Very professional approach while understanding of situations! He enabled so much in such as short space of time! I am now able to complete on a house that I felt was totally out of my reach... amazing!

I started this process two months ago and now moving to contract exchange after the great work from Richard, had a mortgage in place so quickly. I honestly did not think it was possible but Richard made this happen, if you are a first time buyer or not get in touch with smiths financials you will not be disappointed with your choice!

Rich at Smiths Financial was absolutely fantastic. He guided us through the whole process with patience and expertise, and we genuinely don’t think we would have been able to secure our mortgage without his help. He made everything clear and straightforward, and went above and beyond to get us the best outcome. Highly recommend!

I’m currently working with Richard, and he's been fantastic so far. From our first conversation, he's been clear, patient, and quick to respond to any questions I have. He takes the time to explain everything in a way that’s easy to understand and keeps me updated at every stage. It’s made the whole process feel far less stressful, and I’m confident I’m in great hands.

⭐️⭐️⭐️⭐️⭐️
Outstanding Service from Start to Finish!

Working with Rich Neilson at Smith Financial Solutions was an absolute pleasure. From our first conversation, he was knowledgeable, patient, and incredibly responsive. He took the time to explain every step of the mortgage process, answered all our questions thoroughly, and helped us secure our first mortgage. What could have been a stressful experience felt smooth and manageable, thanks to his expertise and guidance. I highly recommend Rich to anyone looking for a reliable and professional mortgage broker. Truly a five-star experience!

Richard and his team made impossible possible! We are incredibly grateful for him and the hard work he put in. Our mortgage process wasn’t a fairy tale due to our own fault and adverse credit, but Richard has been working really hard to get us where we are right now. Forever grateful

I have been supported by Luke to find a suitable mortgage since early 2025. He has been absolutely amazing in terms of his communication, his attention to detail and in general ensuring that I am confident in all the steps involved in finding a mortgage. He has been very, very professional in all interactions and I cannot recommend his services & expertise more! Thank you so so very much!!

Richard Neilson at Smith’s Financial has just helped my partner and I secure our mortgage. We could not be happier with the service. Richard has been so helpful, and has made the process much less scary by always being willing to answer our questions and keeping us updated and explaining each step. Always quick responses and made himself available when we needed to talk to him. I would highly recommend Richard and will definitely ask for his help again in future!

Richard has been fantastic! He has been there to answers all queries we have had. He has gone through every step so we understand it all and managed to get us our full mortgage offer in less than a week! Absolute superstar! Thankyou!