Your Mortgage Decisions Reviews - www.yourmortgagedecisions.com

★★★★★
4.6 / 5
91% of users recommend this
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Your Mortgage Decisions - www.yourmortgagedecisions.com
Your Mortgage Decisions - www.yourmortgagedecisions.com

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Latest Reviews

★☆☆☆☆

“Pass on your details to other insurance companies!!”

Written on: 13/08/2014 by Omari327 (1 review written)

I have just had a call from a life insurance company who rang after getting my details from these guys! They told them that they couldn't help me with our mortgage as it was running as it should be???? Actually they couldn't help us as we don't have 2 years finalised accounts!! I spoke to these guys SEVERAL weeks ago yet they passed my details onto this life insurance company LAST WEEK!!! Would give it ZERO if I could! Totally unprofessional behaviour!!!… Read Full Review

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★★★★★

“Buy to let mortgages”

Written on: 10/01/2014

18 months ago I contacted YMD to find out about re mortgaging my house to get a deposit for a buy to let property ,I was contacted byan advisor who went through all our options ,he was very clear on all aspects including how much we would be paying etc.To us his advise was invaluable as we now have 4 buy to let properties in such a short time and hopefully we will continue to build our property portfolio using YMD .We contacted lots of different banks before contacting YMD but we're not… Read Full Review

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★★★★★

“Second time round”

Written on: 09/12/2013 by Aylisha (1 review written)

This is my second mortgage but my first buy to let mortgage. Didn't really know much about it until I decided to use your mortgage decisions. Calvin Khass was managing my case and what a fantastic job he done. Calvin explained everything to me so I fully understood, he let me know all of my options available to me and he recommended to me the options that would be best for myself. From start to finish the company did a great job and Calvin really knows his stuff. I can honestly say I… Read Full Review

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★★★★★

“Exceptional service and great advice”

Written on: 03/12/2013 by erikadanis (1 review written)

Calvin Khass dealt with my mortgage and he was brilliant in every aspect. He made sure i was always kept in the loop through all stages of the process and offered invaluable advice, with what product to go for that best suited my needs and also general financial advice regarding my current property. The admin staff were also on the ball, chasing up solicitors and estate agents making sure everything went smoothly. Will definitely be using them again, once my fixed mortgage term is up!!… Read Full Review

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★★★★★

“Your Mortgage Decisions”

Written on: 22/11/2013 by nezahathunter (1 review written)

We found Calvin was very professional and thorough in his approach, and were very grateful for his ability to move quickly and set up our mortgage in a matter of days. Nezahat and Mike… Read Full Review

Dominikl's Response to nezahathunter's Review

Written on: 28/11/2013

Thanks very much for the five star review. I'm delighted you were so pleased with the high standard of service from Calvin.

Dominik Lipnicki, Director

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★★★★★

“ A new mortgage”

Written on: 30/10/2013 by MaxineSinclair (1 review written)

Our fixed mortgage came to an end and the gentleman at Your Mortgage Decisions (Yourmortgagedecisions.com) helped us to arrange a new one. He worked quickly and efficiently to find us the best deal He constantly kept in touch with us to let us know the progress and there was minimum stress on our part. We are very pleased with the new mortgage he arranged for us… Read Full Review

Dominikl's Response to MaxineSinclair's Review

Written on: 04/11/2013

Great to hear you were so pleased with your advisor and that you are happy with the new mortgage.

Using a whole of market brokerage means that you a not restricted to a limited number of products so you can find the best possible mortgage.

Thank you for the five star review.

Dominik Lipnicki, Director

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★★★★★

“Re- mortgaging”

Written on: 13/10/2013 by mariongrant70 (1 review written)

My husband and I have been with Santander for many years, we unfortunately took a fixed mortgage in 2008 which in the long term cost us a lot money due to interest rates dropping. Our mortgage split in two parts one finished in July 2013 and the other in October 2013. We started to look on the internet for new deals as for us having a fixed deal we feel comfortable knowing what is going out every month for a set time. We found YMD on the internet we were contacted by an advisor promptly… Read Full Review

Mariongrant70's Response to mariongrant70's Review

Written on: 13/10/2013

Our advisor was Mike Heron. Thanks Mike

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Dominikl's Response to mariongrant70's Review

Written on: 27/10/2013

Thank you for such a positive review. Great to hear that he made your experience stress free.

You make an interesting point about how thorough the process is! It is quite different to using an information only service from a bank.

Whole of Market brokers who are directly authorised by the FCA not only have access to the entire mortgage market rather than a limited range of products, but they are also fully accountable for the advice that they give. The more detailed the assessment with your broker, the easier it is to find the perfect mortgage to meet your individual needs.

Best wishes, Dominik Lipnicki, Director

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★★★★★

“Surprise, Surprise”

Written on: 02/10/2013 by MikeandPauline (1 review written)

Our defences were up when the adviser arrived as we like many normal people in the UK have little confidence or trust in the financial market place. We thought our mortgage requirements would be a big challenge! To our total suprise we received a provisional offer within a week and completed within 5 weeks. We had clear & speedy responses to all our queries from our adviser & any issues were quickly resolved. I am surprised to say this, but we would reccomend him to all our friends… Read Full Review

Dominikl's Response to MikeandPauline's Review

Written on: 27/10/2013

Thank you very much for your great review.
I'm glad we were able to help restore some confidence in financial services!
Our brokers take great pride in working with clients who have come to us through recommendations.
Many thanks
Dominik Lipnicki Director

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★☆☆☆☆

“Why pay a fee of £1995 minimum when other do for free????”

Written on: 30/09/2013

There is simply no reason for anyone to pay the fees this firm charges it is ludicrous. £1995 minimum advice charge AND 0.1% off the loan amount over however many years your mortgage has to run!!!!!! By all means get them to come out and see you and get the quote but then either do it yourself or call a fee free broker (they get paid comission on top of your fee anyway and save yourself a lot of money)!!… Read Full Review

Dominikl's Comment

Written on: 07/10/2013

Thank you for your comment. As our many positive reviews suggest, most of our clients see great value in our service, which is very much about the future and building a relationship for the term of the mortgage. We have access to around 170 lenders and 7,000 mortgage schemes, many of which are not available to the general public. Our service is all about advice and written recommendation, taking responsibility for the advice given, many of our clients see this as an important part to any financial planning service.

We contact our clients a couple of months before their scheme ends, in order to find the best scheme for their individual requirements, this is done without another fee being paid. All costs are transparent and we will only ever recommend a change when the benefits far outweigh the costs. We also use customer feedback to constantly improve our offering (97% of our clients rated our service as Good – Excellent).

We would be very happy to show you how our service can be of benefit to you and your family now and throughout your mortgage term.

Dominik Lipnicki,
Director

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★★★★★

“Working to our schedule”

Written on: 19/08/2013 by andygar (1 review written)

After being turned down by our then lender for a remortgage, we found Your Mortgage Decisions on the web. We contacted them and their advisor arranged to visit us at home, He was able to find us a remortgage at a fixed rate better than what we had hoped to get from our then lender and advised us about a better life insurance deal giving us better cover. I work away from home each week, it was helpful that he was happy to visit us at home on a Saturday to deal with face to face matters and… Read Full Review

Dominikl's Response to andygar's Review

Written on: 27/10/2013

Delighted to hear you were so pleased with the service.

Our brokers have a holistic attitude to finances and will consider the whole picture to get the best solutions for our clients. It is a very individual process.

Thank you for recommending us.
Dominik Lipnicki, Director

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★★★★★

“EXCELLANT ADVICE & ASSISTANCE”

Written on: 20/07/2013 by daz2711 (1 review written)

After our fixed rate mortgage had elapsed we needed help in finding the best new mortgage for us. Our last financial advisor had finished so we got in touch with Your Mortgage Decisions. They sent Sean Backhouse to see us and we found him very knowledgeable and helpful with our needs and even helped to release more capital to be able to complete other projects. Many thanks Sean… Read Full Review

Dominikl's Response to daz2711's Review

Written on: 04/11/2013

Many thanks for the five star review! Pleased Sean was able to provide the quality knowledge and service that you required.

Dominik Lipnicki, Director

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★★★★★

“Top Class Service”

Written on: 12/07/2013 by KIDMILLIONS (1 review written)

Your mortgage decisions dealt with my re-mortgage in a very professional and efficient way plus allowing me to do more with my assests than i thought possible. My broker was very knowlegeable and most importantly very punctual . The rest of the team were just as impressive but most importantly of all the transfer between lenders was very smooth and on time… Read Full Review

Dominikl's Response to KIDMILLIONS's Review

Written on: 04/11/2013

Thank you KIDMILLIONS for the great feedback. A mortgage advisor should make the whole experience positive. Happy to hear that you received a high standard of service.

Dominik Lipnicki, Director

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★★★★★

“Excellent Service”

Written on: 17/06/2013 by JennyBlack (1 review written)

Your Mortgage Decisions were brilliant. My partner is self employed and many of the high street lenders we approached were either reluctant to lend to us or willing to, but at a very high interest rate. After speaking with an advisor from Your Mortgage Decisions we were advised which lenders were more sympathetic toward the self employed and they were able to find us an excellent deal and at a really competitive interest rate. There was no hard sell or trying to sell you extra products… Read Full Review

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★★★★★

“Fabulous, helped us through the whole process, we were...”

Written on: 15/06/2013 by TheDogHouse (1 review written)

Fabulous, helped us through the whole process, we were very impressed with his knowledge and advice that he offered us during the whole process. Mortgages are a mine field but he has helped us understand the products available on the market, which has helped us put a plan in place for our future! I would not hesitate to recommend them to any of our friends… Read Full Review

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★★★★★

“Very happy with the advisor at your mortgage...”

Written on: 14/06/2013 by j4sky (1 review written)

Very happy with the advisor at your mortgage decisions, I got a really good deal with lots of clear information. I felt in control at all times and never felt I was getting the hard sell, he was very friendly, always willing to explain again, ( & again & again!) I was given lots of different options and he explained each of them to me, benefits and the not so good points. It was so nice to have someone do all the had work whilst I sat back. Most of all I SAVED MONEY! lots of it. Bravo your… Read Full Review

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★★★★★

“Your Mortgage Decisions”

Written on: 14/06/2013

We found Your Mortgage Decisions by searching around for a replacement mortgage on the internet. Finances were becoming a bit critical and when the advisor phoned he was sure he could help. She arrived for the appointment we had arranged on time and well presented a very pleasant chap who was very engaging. We explained our position and what we wanted to achive and he explained the service Your Mortgage Decsions provided and how he could help. During the discussion he introduced us to the… Read Full Review

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★★★★★

“Excellent company!”

Written on: 14/06/2013 by ajscott (1 review written)

My partner and I were let down by an alternative mortgage broker after applying for a mortgage for over 4 months. We are both hospital doctors and had been applying for a reasonable loan amount with a decent deposit. We were let down two weeks before our completion date and needed a new mortgage quickly to avoid homelessness. At this stage, we needed a new broker/lender - this is where Your Mortgage Decisions came in. We met up with Calvin Khass from Your Mortgage Decisions on the… Read Full Review

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★★★★★

“Fantastic, informative, Helpful”

Written on: 30/05/2013 by thewrights (1 review written)

We recently remortgaged our house through Your Mortgage Decisions and were incredibly pleased from start to finish. The advisor has turned our mortgage into a perfectly affordable one, consolidated a loan and car finance AND REDUCED the term. Not only were we advised on the correct mortgage for us, we are now covered with fantastic health plans, a new Will and a trust fund. We have only ever used Financial Advisors before, not knowing the difference between the two :-( The process of… Read Full Review

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★★★★★

“good advice & service”

Written on: 29/05/2013 by heatherpeeling (1 review written)

We recently re mortgaged with Your Mortage Decisions & found their service really good. We dealt with an advisor who was very informative, explained everything so we could understand it properly enabling us to make informed decisions. He kept us informed at every stage of the process & everything went very smoothly. The company will deal with any queries for the duration of your mortgage… Read Full Review

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★★★★★

“Professional friendly service”

Written on: 23/05/2013 by Mark84H (1 review written)

Excellent advice given by Calvin Khass, very professional yet friendly service! Would not hesitate to reccomend Your Mortgage Decisions to anybody! Friends have also used the service through my reccomendation and have been satisfied… Read Full Review

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