Kirsty Albin
5/5
I had a really tricky case to place and other lenders could not get their head around sole trader expenses, causing huge delays for the applicant who had a deadline. Lots of back and forth, false promises, additional documents requested, and they even made him go through 3 months credit card statement confirming business and personal expenditure, to advise it all had to be included as business anyway! I spoke with Fiona, who used to be my BDM when based with another firm, and discussed the case. She struggled to see the issue as it seemed straight forward based on FHL criteria. A breath of fresh air! Patrick, my new BDM supported the application along with Fiona and the case was passed to Emma, the underwriter. Emma viewed the case exactly the same way as Fiona and Patrick and called (yes called!) to run through a few queries which were answered easily. My initial enquiry was on the 19th Sept, the full application was submitted 23rd Sept, underwritten 25th Sept, valuation instructed 26th Sept and offered 1st Oct! Absolutely amazing service and other lenders should take a leaf out of FHL book. I have a very happy applicant who will now save thousands as he no longer has to opt for equity release thanks to FHL. Solution literally found! I look forward to placing more applications with you.