I initially spoke to Richard about my mortgage. He was very informative and I agreed for Friends Capital to help me. Once I had my offer Richard contacted me to do a review of my protection. I have had cover in place for many years but Richard explained that it was better to be safe and check instead of just assuming. I had no idea that there were other options available and that I was actually not covered the way I thought I was. He was very knowledgeable and got me to look at my cover differently. This has left me better covered, and paying less for my cover. I would highly recommend Richard and my mortgage adviser Jenna. They have worked brilliantly together to get my mortgage sorted and save me money.