Elsby Associates Limited

I was a First time buyer and was unsure of the whole process of buying a home and types of mortgages. Carl Elsby explained the while process, recommended mortgages that would suit my requirements and financial position. He even put the offer in for my on my behalf to the estate agent. Absolutely brilliant service and definitely paying less for mortgage than if i tried sorting it myself. What could they have done better? I honestly cant think of anything i would say Carl could improve on.

I have a very busy lifestyle and limited time to arrange a mortgage. I have used Mortgage Advisors in the past, but none compare to the level of service and speed Carl deals with things. Carl got me the best deal. After looking on the net I could not find one that compared more favorably than the deal Carl got me. He dealt with everything from start to finish requiring very little of my time. I got a better outcome than expected. The service Carl provided was worth every penny and I would highly recommend him. I will be using the service from now on for all my financial needs. What could they have done better? Absolutely nothing can be improved from my point of view. Credit also goes to Carl's assistant Jill who handles everything excellently when Carl is unavailable.

What were the circumstances that caused you to look for a Financial adviser? I was looking to remortgage my house into my sole name following a divorce and with me not having a great credit rating I was not able to approach the main steam lenders. How did Carl Elsby help you? Carl had access to numerous lenders that without his expertise and experience I would not have been able to remortgage. Have you seen the outcome you were hoping for? Yes the house has now been successfully remortgaged in my sole name. What could they have done better? No nothing!!!! A wonderful professional firm who was determined and persevered to get the result we needed, Thanks Carl Feb 2017

What were the circumstances that caused you to look for a Financial adviser? First time buyer. Carl Elsby found us a mortgage that was cheaper than any online quotes. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing, Carl was brilliant, helpful, understanding and quick to respond to emails calls and any questions. We thank Carl for his time and patience and look forward to working with him again in the future.

I was buying off my council house and being from a different country and it being my first buy I had no idea what to do and how to do it. I have been looking for a mortgage advisor for a long time and after long searches I have found Carl Elsby. The reviews were great so I thought id give him a go. And so far thats the best decision I have made.! He has been so helpful!.. Explained all the procedures and all the different types of mortgage and covers. Honestly he helped me so much and I am so helpful. It was always easy to get in toutch and he kept me updated at all times. I have not expected to get such a good mortgage deal...i am so happy with the service and all the help and support. If anyone if thinking whether to go with Elsby Assosiates or not. I can easily say go for it!

Carl from Elsby Associates is a very good adviser with lots of motivation and tons of professionalism. He has helped us with buying our first home and managed to find us a great deal despite our unusual financial circumstances. It was all sorted within days rather than weeks or months.

Carl at Elsby Associates is a very professional and helpful advisor who was always available, even out of hours. Carl suffered a very drawn out process of mortgage selection due to our requirements changing several times, but he was always supportive and able to offer advice no matter how many times we changed our minds. We also had a significant change in circumstance for our application which Carl was still able to identify the best mortgage to suit our needs. I would highly recommend Carl and his financial services, we will be seeing him again soon to setup insurances. Nigel

I was a first time buyer I was unsure of the buying process and how mortgages worked. Carl was very clear in explaining things to me, he helped and advised me every step of the way and he was able to answer anything that I was unsure of. I am now a proud home owner. I was very happy with the recommendation of Carl - Elsby Associates and I will definately be using him again in the future and I would gladly recommend him to others. What could they have done better? Nothing really, I was very happy with the service that he provided.

I was recommended by an estate agents to Carl. He was brilliant. (Still is) About applying for a morgage and also about re mortgaging. He advised me about insurance as well. Nothing was too much for him, even late into the night advising and reassuring me as well. I'm more than happy with his professional: attitude, manner and humour through a stressful time. He kept me going through a difficult time regarding purchasing my late families house.

Making a will, renewal of mortgage and life insurance. Carl was excellent , polite,helpful and explained everything so that I understood what the products were. He was patient and found me better products than I could have wished for and cheaper. I will defiantly use Carl again and get my family and friends to use him to. I got more than I expected a will, cheaper mortgage and better Life Insurance. Carl was better than I expected so there is nothing he could have done any better. It not often you find a genuine person willing to spend time explaining and saving you money. Thank you Carl you provided a service way beyond 5 stars.

Little time to organise the mortgage on our own and in need of some advise and help. Carl found the best product available to us to fit our particular circumstances he also organised any insurance requirements we needed. We have had the best possible outcome and will be speaking to Carl in the future.

I was looking for 95% mortgages to purchase my first property. I contacted Carl when I found a property I wanted to purchase, Carl made an appointment to see me at very short notice. Carl worked very hard to find me the right product's. As I had never purchased a property before I was unsure of the processes I had to follow, Carl explained everything and recommended mortgages, solicitor's and life insurance.I would highly recommend Carl to anyone in need of financial advice as he was very accommodating and approachable. I am now all moved into my property just a couple of months since my first appointment with Carl. I can honestly say that Carl really could not have done more for me. In fact I have recommended Carl to a some friends of mine.

We required a re-mortgage. Carl was excellent not only did he ensure we had the correct mortgage to meet our needs he also ensured it was the best deal on the market at the current time. He then arranged life insurance to meet our needs and budget. The outcome was a great new re-mortgage deal and excellent life insurance policies arranged too. Excellent service throughout.

Little time to organise the mortgage on our own and in need of some advise and help. Carl found the best product available to us to fit our particular circumstances he also organised any insurance requirements we needed. We have had the best possible outcome and will be speaking to Carl in the future.

Making a will, renewal of mortgage and life insurance. Carl was excellent , polite,helpful and explained everything so that I understood what the products were. He was patient and found me better products than I could have wished for and cheaper. I will defiantly use Carl again and get my family and friends to use him to. I got more than I expected a will, cheaper mortgage and better life insurance. Carl was better than I expected so there is nothing he could have done any better. It not often you find a genuine person willing to spend time explaining and saving you money. Thank you Carl you provided a service way beyond 5 stars.

Carl help us find the right mortgage for our needs. With his help, we identified the right product. Carl then helped us navigate seamlessly through the entire application process and was able to expedite it for us. What could they have done better? Nothing I can think of. Carl was fantastic!

We were very pleased with all aspects of Carl's advise and assistance in relation to the re-mortgage. The re-mortgage process was prolonged and difficult as a consequence of the changes in procedures by the mortgage lender and the attitude adopted by them. At all times Carl kept us well informed of developments, was very professional and assisted us in overcoming the petty bureaucracies of the mortgage lender. We would not hesitate to seek Carl's advise again and would definitely recommend his services to others.

Client's Summary Comment: From our initial converstaion, Carl understood my requirements fully. Within a very short time a number of options were put up up, adviced upon clearly and adecison reached very quickly. Would certainly use the service again.

Client's Summary Comment: I have had advice now on 2 fixed rate mortgages and both advice and service were excellent. Will be using Carl for advice in the future.

Client's Summary Comment: Carl has worked for us on 2 separate occasions now. The first when was in 2011 when we were looking to re-mortgage our buy-to-let property in order to release some equity. He could not have made the process any easier, and his whole-of-market knowledge/exposure meant we were able to release the necessary funds through changing providers with the absolute minimum of fuss. The second occasion was in 2014 when we needed to raise a new residential mortgage to move to a larger property. This process might have been extremely complicated, as a number of relevant affecting factors meant that we were by no means a traditional or even particularly attractive proposition to any potential lender. Again, Carl was able to present our case in such a way that ultimately we received the offer we sought, and we were able to complete the sale in June 2014 - much to everyone\'s relief, including, I suspect, Carl\'s ! In conjunction with the mortgage advice, Carl arranged an enhanced level of life cover, which, again. was not a particularly simple matter due to various health concerns affecting both my wife and myself. Again, Carl was able to find the right provider at the best price. A genuinely 5* service from a consummate professional !