Smiths Financial Solutions Ltd Reviews 

Thank you Richard!
You secured us a mortgage offer, despite our previous credit problems.
You did all the hard work for us, always on hand when needed and keeping us informed throughout.

Richard and his team were amazing, I couldn’t recommend them enough helping us getting our mortgage offer it was a long process but he took the time to talk to me throughout the whole process and help me understand what comes next, a massive thank you once again!!

Richard and team were brilliant from start to finish. We approached him with some difficult circumstances and he was brilliant with advising the best route forward. Always around to help when needed even on weekends and evenings when not expected. We now have our mortgage offer which we didn’t think was even possible, very highly recommended. Thanks for everything!

From the very start Luke at Smiths has been exceptional in his advice and service. My case was difficult to place but Luke did everything he could to help and kept me informed every step of the way.
I cannot recommend Smiths and particularly Luke highly enough.
5 star from the very start to completion.

I cannot recommend Richard enough! Before reaching out to him, I was on the verge of giving up on my mortgage journey. I had been told by another broker that I was a “hopeless case,” and I was starting to lose hope. But after reading all the glowing reviews about Richard’s dedication and expertise, I felt there might still be a glimmer of hope.

Desperate, I messaged him around 11 p.m., and to my surprise, he responded promptly via email. We had a detailed 30-minute conversation, during which he carefully reviewed all my details and reassured me that he would do his best. True to his word, the very next day, he secured a Decision in Principle (DIP), which I promptly sent to the mortgage advisor for my housing association. Despite initial reluctance from the advisor to sign off on my affordability, Richard’s professionalism and persistence made all the difference.

Two weeks after our first conversation, I am thrilled to say I now have a mortgage offer! We are just awaiting completion, and it still feels surreal, after feeling hopeless, I am now so close to moving into our new home. It’s been an emotional journey, and Richard’s patience, dedication, and unwavering support truly went above and beyond.

A special coincidence is that I’m aiming to move before my daughter’s birthday, which, wonderfully, happens to be Richard’s birthday too! I want to extend my heartfelt thanks to Richard for his incredible effort and kindness throughout this process. He genuinely cares and made what seemed impossible, possible.

If you’re feeling discouraged, don’t hesitate to reach out to Richard, he’s a true expert and a genuine professional. Thank you, Richard, for everything!

Luke has just secured us a mortgage, he has so much patience. We had a complex case and im forver thankful our children will soon have a forever home. Thank you!

We can highly recommend Richard from smiths financial Solutions. We are in a rent to buy property and wanted to go onto shared ownership. We were clueless about the whole process but Richard helped us so much. Super quick and helpful with answers.

Luke from Smiths Financial has been amazing from start to finish helping us find a mortgage in a complex situation. He was proactive gathering any information he thought might be needed which ultimately paid off and we got a formal offer through very quickly. Can not recommend Luke or Smiths Financial highly enough and will be using them again in the future.

Richard from Smiths Financial was fabulous! He was very efficient with his responses, answered any question that I had and made me feel at ease with a process that felt really daunting.

I really recommend Richard if you ever need a mortgage broker!🤩

Thank you so much!

Richard has been absolutely amazing and incredibly helpful. As a first-time buyer, there was a lot I didn’t understand, but he was always patient in answering all my questions, even replying to my messages after 6pm and following up with me on Saturdays. His dedication and hard work truly gave me peace of mind throughout the process. Despite the complexity of my case, he managed to secure my mortgage offer in just two weeks. I’d be more than happy to recommend him to any of my friends in need of a mortgage broker.

Luke has been amazing start to finish, our case hasn’t been the easiest but he’s preserved and obtained us our mortgage offer. We can’t thank him enough for all his hard work and dedication. We certainly wouldn’t have got this far without him. He’s seriously gone above and beyond what we thought a broker would do, thank you Luke 😊

Review for Smiths Financial Solutions

I recently had the pleasure of working with Richard Neilson to secure a mortgage for my new home, and I couldn't be happier with the experience. From start to finish, Richard Neilson demonstrated exceptional professionalism, expertise, and dedication.

Expertise and Knowledge: Richard Neilson has an in-depth understanding of the mortgage market and was able to explain complex terms and processes in a way that was easy to understand. Their knowledge and insights were invaluable in helping me make informed decisions.

Communication: Throughout the entire process, Richard Neilson was always available to answer my questions and provide updates. Their prompt and clear communication made me feel confident and reassured every step of the way.

Personalized Service: What truly sets Richard Neilson apart is their commitment to personalized service. They took the time to understand my unique financial situation and goals and tailored their recommendations accordingly. This level of attention and care made a significant difference in my experience.

Efficiency: The mortgage process can often be lengthy and stressful, but Richard Neilson made it as smooth and efficient as possible. They handled all the paperwork and negotiations with precision, ensuring that everything was completed on time.

Overall Experience: I highly recommend Richard Neilson to anyone in need of a mortgage broker. Their expertise, communication skills, personalized service, and efficiency make them an outstanding choice. Thanks to Richard Neilson I am about to be happily settled in my new home.

Cannot thank Luke enough, communication is 1st class, no question is ever a problem, transparency from start to finish and always willing to meet any needs or requirements, once again thanks for everything and will 100% be recommending to friends and family

Great! Super helpful, happy to answer any questions we had. Quick and smooth process thank you Richard.

Great professional service from Richard Neilson at Smiths Financial services. Always available for advice and made the process very smooth.

I recently completed my mortgage process with the support of Luke Platt and I honestly can’t thank him enough. From the beginning to the end, my case was far from straightforward,especially dealing with shared ownership and a complicated EWS1 situation but he stayed calm, professional, and incredibly supportive throughout.What stood out most was the way Luke consistently chased the lender, explained things clearly to me, and genuinely cared about getting this over the line. There were moments I felt like giving up, but having someone like this broker in my corner made all the difference.I’m now holding my mortgage offer, and I can confidently say it wouldn’t have happened without his dedication and hard work. Highly recommend Smiths Financial Solutions to anyone looking for someone who really goes the extra mile.

My situation trying to ascertain a mortgage was so complex. I had status 6 mortgage arrears following a marital breakdown and a single mother of 2, left with only a small deposit. The chances of getting a mortgage was impossible. I was turned away by about 7-10 financial advisors and told straight, I would not get a mortgage for at least another few years. I was devastated. Luke was so understanding of my situation and dealt with the matter with great empathy. He too was knocked back by a few lenders but he did not give up and appealed the decision after a final rejection with no further avenues. He divulged into my circumstances in great depth so he could explain in intricate detail to the lenders and provide assurance that I was not a financial risk. He pulled all stops out to overcome any obstacles and I could never thank him enough! Luke goes above and beyond his responsibilities as a financial adviser and is passionate about the outcome for his clients. Thank you so much Luke, you have made one very happy family!

Excellent service very professional

Dealing with Luke at Smiths Financial Solutions turned what started as a daunting and stressful time into a smooth and reassuring experience. We had previously dealt with another broker recommended by the sales office, which unfortunately left us with a negative impression and little hope.

From our first conversation with Luke, everything changed. As first-time buyers, we needed guidance, and Luke provided exactly that clearly, patiently, and professionally. He found us a lender almost immediately, which was a surprise given the other broker had told us we wouldn’t be able to get a mortgage at all. The very next day, we had a mortgage in principle.

Although we faced a few hiccups along the way (mainly delays between the lender and solicitors), Luke was consistently reassuring. He was proactive, supportive, and genuinely went out of his way to make the process as smooth as possible. We couldn’t be more grateful for his help and would highly recommend him to anyone looking for honest, effective mortgage advice.

Myself and my partner is buying our second house we have been disappointed not being able to get a mortgage but we manage to get one through Luke platt who has been incredibly helpful and supportive along the way he has updated us and kept us in the loop with everything with each step we can’t thank him enough for the help and support he has shown we are very happy people thanks again Luke