Mortgage Light Reviews

4.86 Rating 475 Reviews
97 %
of reviewers recommend Mortgage Light
Merchant Metrics
Shipping & Delivery
Delivery Methods
Postal Service
Customer Service
Communication Channels
Telephone, Live Chat, Email
Queries Resolved In
Under An Hour
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Phone:

01908 597655

Email:

alex@mortgagelight.co.uk

Location:

1 Whittle Court,Knowhill,

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This process was the longest and most frustrating we have ever had, James had took weeks to get a second application going after the Halifax one didn’t pull through which meant we had even further delays on your end. We contacted many times and found it difficult to get responses. There was a huge lack of communication. The second application to accord was not even communicated to us until we kept calling to find out what was happening. Then the third application for barclays had come through and it was for 5 years fixed when we specifically asked for 2 years fixed. We are still waiting for him to get back to us on what the penalty would be if we want to rent the property out after a few years. Still no response.
Posted 3 months ago
We were pushed to use Mortgage Light through our shared ownership association so went ahead and contacted and scheduled a meeting. In this meeting they had other clients paperwork, bank statements and payslips sitting in front of us all named and addressed that were a 'mistake'. He then had to go and print the ones we had emailed over to him a week prior. Then our payslips and bank statements were gone through in a investigation/interview like manor. With 90% of our outgoings questioned - even things like gym memberships.

The next stage was the mortgage application, this is when the communication became extremely poor. We were told that it would be 'unlikely to be accepted' after the mortgage adviser's own decision to withhold certain information off the declaration. We were put through stress and fear for weeks with very little communication and no answers. It got to the stage we actually called and spoke to the mortgage lender to get answers, and they told us that the situation had been dramatized and that it was nothing that could not be rectified.

Once the mortgage was finally offered we were then told about a fee of £375 we had to pay to them, which is unheard of for a mortgage adviser. What the fee is for Mortgage light had given us all of the wrong information (mortgage term and rate). and still continue to chase us with an expiry date that does not exist.

Would NOT recommend
Posted 4 months ago
We were interrogated over our outgoings and why we would pay for what we pay for. Throughout, there was a lack of communication to the point where i lost communication entirely with the advisor and was working through P.A's. It then got to the point where i found myself contacting the mortgage lender directly to receive updates and answers.

Secondly the mortgage advisor unprofessionally didn't declare certain outgoings to the lender almost causing us to lose the offer. I found a lack of quality control and care. Furthermore, we found ourselves in a meeting overlooking other peoples finances and bank statements before we rectified and corrected the advisor that they in fact weren't ours.

As well as this, i later found that we paid mortgage light a fee that they collect from the mortgage company and shouldn't through the consumer. Throughout the experience i was made to feel inadequate and cut off. Congratulations to the P.A's who fulfilled their role and went further.

Would advise not to use.
Posted 4 months ago
Pressured for more money than what we had. Process of buying a house and using a financial advisor was not explained to us at all. Sort of saved by the fincial advisor that took over who was lovely and helpful, however when we received our final bill for the purchase of our property it was 2k over our budget. Again costs were included that mortgage light should have told us were there. They knew our budget for the purchase of the house and legal costs and this went way over. Will never use them again and will advise others to stay clear also.
Posted 2 years ago
Asked for a advise on mortgage but I have never receive a answer. 2 months later the owner of Mortgage Light phoned and I have explained that I have been ignored and she has assure me that I am a valued customer and someone will contact me. No contact and after another 2 month they phoned me to sell me a life insurance. Waste of time!
Posted 4 years ago
Mortgage Light is rated 4.86 based on 475 reviews