We engaged in conversation with Mortgage 1st earlier this year. Carl was incredible. Having spent a year or so going back and forth with a family friend (also an adviser), we couldn't find a deal that suited our complex case. Carl went above and beyond to guide us us through our concessionary purchase. He secured us a great lender, with a low rate, fixed for 5 years while the market is a little unpredictable - offering us financial security and peace of mind. It's the level of service after his 'work was done' that really impressed us though. This is the reason we will be reaching out to him in 4.5 years time when we remortgage. - Keep him, and pay him well!