The fee of £1,995 is undoubtedly expensive, particularly as they also earn commission from the mortgage lender so it does feel to begin with that the company is taking advantage of people in a desperate situation. However, the level of customer service me and my partner experienced was superb and, to some extent, justified the fee. My issue was a £189 CCJ which had been settled for nearly 5 years but still caused some issues getting a good rate/acceptance at all, particularly at 95% LTV despite my current credit score position being excellent. David White and Charlotte guided me through the process every step of the way with quick responses to my questions in what was a very stressful time. They sorted me the best rate I had been quoted, even before the CCJ became an issue, with a top 5 high street bank and made the dream of owning our first home possible. Would definitely recommend, particularly if you have been let down by a "Computer says no" broker like L&C. Only reason not 5 star is I think the fee is too expensive when commission is earned on top.