Steven Neale

Adverse Credit Mortgage Broker

Do you need a mortgage but you have bad credit? I’m an adverse credit mortgage broker who makes mortgages possible for people with poor credit.

  • Missed payments, arrears, defaults, CCJs, IVAs, DMPs, and even Bankruptcy

  • Government schemes like Shared Ownership and Right to Buy

  • Contractors, CIS, Directors, and Self-Employed

  • Product Transfers, Second Charge, Bridging Loans, and Insurance

Book your free consultation

Client Testimonials

Our ultimate aim is to achieve satisfied customers and these testimonials support our credibility and level of expertise. They also commend our commitment, our personal approach and our care and attention to detail throughout the application process.

See the list below for some of our most recent reviews. You can also see our reviews on Google Reviews and Trust Pilot.

Steven and Sue were absolutely amazing from the very start. Their knowledge and experience was of high quality and they were understanding and showed no judgement to our historical finances.
Steven and Sue were quick with their communication and responded to emails and phone calls within the same day, if not the day after. They were always willing to help and provided reassurance and clarity when we needed it.
We were worried we would not be able to secure a mortgage, however Steven and Sue were able to get what we wanted, and we are now looking forward to moving home.
We honestly can’t thank Steven and Sue enough and would recommend to anyone who was in the same position as us. We will be looking to work with Steven and Sue again when our fixed rate comes to an end.
Date of Posting:6th June 2024
Posted By: Allsop

Very fast efficient service – would recommend.
Date of Posting:3rd June 2024
Posted By: Hopson&Johnson

Steve & Sue were professional throughout the whole proceed. Would have no hesitation in recommending their company.
Date of Posting:29th May 2024
Posted By: Hentschel

We experienced difficulty in finding our original mortgage and Steve and Sue were instrumental in helping us purchase our first home. Likewise, when it came to remortgaging 2 years later they were pivotal in finding us a suitable mortgage rate with a new provider.
Date of Posting:27th March 2024
Posted By: Hughes

Thank you to both Steve and Sue for all the hard work and patience
Date of Posting:22nd March 2024
Posted By: Anon

Fantastic service as always.
Date of Posting:4th March 2024
Posted By: Anon

Steven and Sue have been absolutely wonderful throughout the whole mortgage application process. Even when we were unsuccessful with our first application which left us panicking, Steven remained calm and professional, informed us there were plenty of other options and worked quickly on a new application suited to our needs. Steven would answer his phone efficiently and if he missed us, he would call back immediately, something which can be quite rare these days. We would recommend Steven and Sue to anyone that maybe struggling with the whole mortgage process, especially the self employed, they took all the stress from us and deserved every single penny we payed them. We will absolutely be returning to Steven and Sue in the future and only wish we had found them sooner. We found them to be invaluable and an absolute pleasure to deal with, they are the reason we can finally sleep well at night! Thank you both again.
Date of Posting:22nd February 2024
Posted By: Oldham

Helpful and helped us in finding mortgage with suitable interest rates given our adverse credit at the time
Date of Posting:15th February 2024
Posted By: Kunda

I have used Steve twice now and both times he has been professional and has always listened to me, which was very reassuring when I was considering not buying anymore and giving up on the process.
Date of Posting:6th February 2024
Posted By: Anonymous

Steve and Sue have been fantastic, they worked hard to get our application pushed through before Christmas and were on hand and very responsive to any questions that we had regarding our mortgage application. I would highly recommend.
Date of Posting:2nd January 2024
Posted By: Martin

I have felt very well looked after throughout this process, and advocated for, to meet my individual financial needs. The communication between Steven, Sue and I has been of the highest standard, and I could not have asked for more. I was treated without prejudice, and with understanding, and I am so happy that I have been able to buy a home which my daughter and I can now settle into, and start a new chapter.
Thank you so much Steven and Sue!
Date of Posting:21 November 2023
Posted By: Hentschell

Steve and Sue are extremely helpful and professional. I always have lots of questions to ask and Steve and Sue are always happy to take the time to answer or research and reach out to potential mortgage providers to seek answers and reply very quickly. I would highly recommend SN Mortgages to anybody seeking to find a mortgage product.
Date of Posting:9 October 2023
Posted By: Cooke

Discussing my financial affairs is something that has always filled me with anxiety, however from my first phone call with Steven I was put at ease and felt incredibly confident in his industry knowledge and trusted that he would find the best and most suitable deal for my partner and I. I really can’t praise Steven and Sue more highly for their service.
Date of Posting:19 September 2023
Posted By: Stones

We had an unencumbered property but needed funds to clear some debts. Steve and Sue worked hard to get our mortgage sorted with a minimum of delay. They provided an excellent service and now our monthly payments are much more affordable, and the debts will be cleared to coordinate with our retirement
Date of Posting:9 August 2023
Posted By: Anonymous

Steve was very open and transparent from the start and all the way through our application process. The services provided were of a very high standard. Thank you.
Date of Posting:5 June 2023
Posted By: Edge

Steven and Sue provided an excellent service, ensuring we were kept informed and assisting us to understand the process.
Date of Posting:3 May 2023
Posted By: Hardisty

Marvellous news and outstanding work! Sincere thanks for all of your hard work.
Date of Posting:12 April 2023
Posted By: Cole

We were so satisfied with our first experience we will return to receive the excellent service again.
Date of Posting:22 March 2023
Posted By: Aydin

Can’t thank Steve and Sue enough, finding the right product is not easy at the age of 64. Having lost so much I now have a clear path forward, converting the chapel and living a stress free life, this is all down to Steve and Sue having patience in knowing what was the right product at the right time of life. Great company, fantastic service.
Date of Posting:14 March 2023
Posted By: Jones

As always, great service! Discusses my requirements and finds product to match. Gives options and shows impact of each one etc
Date of Posting:16 February 2023
Posted By: Graham

This is the second time I’ve worked with Steven, his service is exceptional, and I won’t hesitate to do so again

Date of Posting:6th December 2022
Posted By: White

We are returning customers to Steven Neale who is always very helpful. Steven and Sue dealt with our second mortgage with them, in a timely and professional manor. Thank you.

Date of Posting:14 November 2022
Posted By: Robinson

I cannot thank Steve and Sue enough for helping me through the mortgage process. I thought it would be extremely difficult to obtain a mortgage given my credit issues from a few years ago but Steve delivered an excellent mortgage and I am now on the path to finally owning my first home! They were always on hand to answer any questions I had and kept me up to date every step of the way. Thank you so much for all your help, absolutely superb service

Date of Posting:25 October 2022
Posted By: Morgan

An excellent service provided by Steve and Sue. We were always kept informed at every stage of the process and they managed to get us a mortgage where other companies said they could not help. I would highly recommend them to anyone who is looking for a mortgage and maybe struggling to obtain one.
I found Steve and Sue extremely supportive, and they listened to my needs and troubles of looking for a mortgage. They found a solution and explained things clearly every step of the way. I would definitely use them in the future, should I remortgage or know a family member that requires these kinds of services.

Date of Posting:7th October 2022
Posted By: Lewis

From my first inquiry until the formal mortgage offer both Steve and Sue were extremely knowledgeable, efficient and professional. Superb service.

Date of Posting:1st August 2022
Posted By: Beatty

Steve and Sue have been excellent throughout the process. Just a few months ago I thought my financial history would preclude me from getting a mortgage and now I’m moving into a great new apartment! Steve was able to reassure me with his expertise and experience that stepping onto the property ladder was possible. Steve and Sue have been friendly, professional and speedy in their work and have ‘held my hand’ throughout the application process and beyond. Together they make a great team and I would highly recommend their services to friends and family.

Date of Posting:21st June 2022
Posted By: Ward

Steven and Sue have been brilliant throughout the entire process, they have gone above and beyond helping us to get a mortgage. We thought we would never get a mortgage due to past issues but they made it happen and within a short time. The service provided was professional and friendly, they kept us updated throughout the process. Highly recommended and will definitely use again.

Date of Posting:20th June 2022
Posted By: O’Connor

Steve and Sue are both very helpful and knowledgeable. Without their help we may not have been able to get a mortgage. I would highly recommend them to anyone that feels getting a mortgage is unattainable.

Date of Posting:23rd May 2022
Posted By: Ogutu

The professionalism of Steve and Sue is second to none. We were advised of our options and guided through the application process every step of the way. The big thing for us was the personal touch and relationship we built. My wife and I both agreed it felt like Steve and Sue are so motivated because they actually want to help. Probably the best professional service I have ever used so if you find yourself in need of a specialist mortgage broker look no further. Great service great people.

Date of Posting:28th March 2022
Posted By: Hayward

Very helpful and great at explaining things we didn’t understand.

Date of Posting:9th March 2022
Posted By: Simpson & Freeman

In spite of many delays and problems on our part during our application process, we received a friendly and competent service at all times from Sue and Steve. We would happily recommend SN Mortgages to our family and friends.

Date of Posting:9th March 2022
Posted By: Lindsay

We found that SN Mortgages took time to listen to our requirements and source the best product to meet our needs. Always available to contact for an update on progress and always greeted in a friendly manner. Thank you for all your help.

Date of Posting:17th Feb 2022
Posted By: Podstawski

I would highly recommend Steve and Sue. Getting a mortgage seemed to be difficult for me at first when speaking to another advisor, I very nearly gave up due to the lack of effort and communication. Once we got in touch with Steve everything fell into place. Both Steve and Sue were very professional and informative throughout the process.

Date of Posting:27th January 2022
Posted By: J Thomas

Steve and Sue have been absolutely amazing. I was really worried about my financial history meaning I wouldn’t be able to get a mortgage but they were nothing but supportive and non-judgemental, always available to explain things and answer questions as well as extremely efficient.

Date of Posting:18th January 2022
Posted By: Mulready

Our experience as first time buyers was simply exceptional! We have been guided through the mortgage
process and buying our first home has been an easy journey thanks to your professionalism and efficiency.

Date of Posting:13th January 2022
Posted By: Erskine & Machaj

I emailed Steven following an internet search for Mortgage brokers who specialise in complex mortgages. I had been declined by high street banks due to a recent job change and the fact I was paid through an Umbrella company. The fee that Steven charged made me feel somewhat reassured that I didn’t pay anything until he had found me a mortgage and this had been accepted. Previous Brokers had charged me at the point of application, and then seem somewhat disinterested following this. After thinking I was going to lose the new home I had fallen in love with, Steven worked hard with me and understood my circumstances and the point I was at with nearly giving up and with in 4 weeks I had a full mortgage offer. Thank you for making my dreams come true. I would highly recommend your services. Absolutely no bull or jargon.

Date of Posting:10th January 2022
Posted By: Jones

The service we have received has been amazing. We were kept up to date every step of the way. Honestly, the relief on my face when I received your email with the mortgage offer was priceless. I can not thank you both enough you are both amazing at what you do. We can not thank you enough for everything, Thank you so much, you have made our dreams a reality.

Date of Posting:4th November 2021
Posted By: Foster

Thank you foremost for choosing to specialise in adverse credit services for people. All we read online is that it is not possible or easy to get any form of credit when you have or settle an IVA and I’m so glad I kept looking and found you. You have helped us more than you’ll ever realise. We are so happy to have a chance to start again and be able to remain on the property ladder, all thanks to you. We really appreciate the work you have done for us, you were always quick to reply and you made this process very easy.

Date of Posting:1st November 2021
Posted By: Daw

Thank you so much Sue, and a massive thank you to Steven too, literally didn’t think this was possible given our situation and we are so grateful to you both for your help.

Date of Posting:29th October 2021
Posted By: Daw

Very knowledgeable about how to obtain a product suitable for our specific needs

Date of Posting:25th October 2021
Posted By: Cotton

Very happy with the service provided and the outcome, would recommend.

Date of Posting:21st October 2021
Posted By: Campbell

SN Mortgages gave me a chance when no other brokers would. They listened and empathised with my situation. Advised me accordingly and supported me throughout my journey. Highly recommend.

Date of Posting:11th October 2021
Posted By: Anonymous

Steven & Sue have been absolutely amazing through the whole process – extremely calm, organised and helpful. We will definitely be using them in the future and would highly recommend them to family & friends.

Date of Posting:20th September2021
Posted By: Mr & Mrs Harden

From the onset Steve gave me the confidence that a mortgage was possible even though my situation involved historical credit issues and a deposit in the form of a grant not savings. Steve was quick to identify a lender who would consider the unique nature of the deposit and was very astute in guiding me on when to finally apply as we had to wait for key things to work in our favour. Sue was extremely proactive and attentive to detail when she started helping with the actual application and was always in communication. 2 other brokers let me down and were not prepared to put in the work to get the result I needed but Steve and Sue never gave up. The feedback people see online is accurate and well deserved.

Date of Posting:16th September2021
Posted By: Khan

Very helpful, quick and friendly service from both Steve and Sue – Thank you

Date of Posting:16th September2021
Posted By: Burnley

Steve and Sue were very professional and provided an excellent service. Great communication throughout keeping you up to date at all times. Overall a smooth process, would highly recommend.

Date of Posting:24th August2021
Posted By: Robinson

Struggling to ‘get back’ on the housing ladder after 15 years and being ‘self-employed’ was proving near enough impossible, until we found Steve & Sue. They found us a lender that would use my ‘day-rate’ rather than the usual ‘self-assessment’ and even though there was stumbling blocks along the way, they get us over the line with a ‘mortgage offer’! We can’t thank them enough and would definitely have no hesitation in using them again!

Date of Posting:28th July 2021
Posted By: Day

Thank you for everything. We really appreciate all the help and support given.

Date of Posting:28th July 2021
Posted By: C & D Peay

A fantastic service provided by SN Mortgages once again. Highly recommend SN Mortgages, they have been brilliant at finding the best rates for us, keeping in regular communication and quite frankly achieving the impossible! Where other brokers fail to come back to us or could not find a deal, SN would always go the extra mile and revert back. Once the mortgage had been found, SN were tenacious and comprehensive in their approach in order to minimise the lenders queries and get the mortgage offer through in time for us to complete prior to the stamp duty relief cut off at the end of June – which they did, saving us thousands! Thank you so much!

Date of Posting:22nd July 2021
Posted By: C&Y Patel

We are so grateful to Sue and Steve for all their effort in helping us get our mortgage. Their knowledge and clear love of their job shines through and they have been on hand to answer all our questions no matter how silly or small. They have clearly explained everything from start to finish which has made us feel so much more at ease throughout the whole process. We can’t recommend them enough!

Date of Posting:1st July 2021
Posted By: Mr & Mrs Young

This was my second time of using S N Mortgages & Financial Services and once again the whole experience was professional, quick and stress free. I first used them for an adverse credit mortgage a couple of years ago at a time when I didn’t think I’d be able to get a mortgage at all, but this company managed to get me one. I have been paying the mortgage on time for a couple of years and recently contacted Steven Neale to see if he could find me a better deal with better mortgage rates – and he did! A few weeks later I just completed a remortgage fixed for 10 years with a high street lender at an amazing rate. Over the last few years S N Mortgages & Financial Services have changed my life and I will forever be grateful for that.

Date of Posting:12th July 2021
Posted By: Scott

Second time using Steven Neale to find me a mortgage, this time with my partner. Steve & Sue were
knowledgeable, worked in a timely manner and found a solution for our complex situation during the
pandemic. Would recommend without hesitation.

Date of Posting:14th June 2021
Posted By: Anonymous

We received a great service from both Steven and Sue. The purchase of our property was long and drawn out and impacted by Covid and Stamp Duty extension delays. Throughout the process, Steven and Sue were diligent, patient and responsive.

Date of Posting:10th June 2021
Posted By: Lenta-Odedra

Starting our journey of finding a mortgage, we had no hope of ever succeeding given to our poor credit history. When we found SN mortgages Online, we read the reviews and decided to give it a try with no hope but holding onto faith. When we got in touch with SN Mortgages we began to have hope with the immense support received from Steven and Sue. You both are the best :) Thank you for holding our hands throughout this journey we will remain so grateful for your support and guidance. We can’t wait to finally have the exchange done and move into our new home all thanks to SN Mortgages you are the best!

Date of Posting:7th June 2021
Posted By: Mr & Mrs Tucker

Thanks for your help and relentless support in trying to find the right lender. It was a long journey but glad we got there at the end. Happy to refer to any friends or family.

Date of Posting:10th May 2021
Posted By: Mr James

Great to work with and recommend to anyone and everyone. Thank you

Date of Posting:26th April 2021
Posted By: Mr Grace

Thank you Steve for all your advice since we met a couple of years ago. It was a massive relief to get this great home after having to rent for all those years and then to get a competitive High Street lender deal with a great 5 year fixed deal is just a huge tick in the box. Thanks to Sue for all her efficient input and back up support.

Date of Posting:24th April 2021
Posted By: Mr and Mrs Allbrook

Steve and Sue were brilliant in arranging our mortgage. Our situation was quite complex but Steve took the time to listen and made the whole process a breeze. It took 2 weeks from the time the mortgage was submitted to when it was approved. Very happy clients!

Date of Posting:24th April 2021
Posted By: Mr and Mrs Tsai

Steve and Sue were brilliant. Nothing was too much trouble. Steve always provided regular updates and replied to our questions very quickly. Can’t thank you both enough.

Date of Posting:7th April 2021
Posted By: Mr and Mrs Milling

I can’t thank you enough for all your hard work over the last few months trying to sort my mortgage for me. I really am so happy we finally got there. As we’ve discussed before it’ll be life changing for me as it has freed up such a large amount of money for me every month it’ll make a massive difference.

Date of Posting:16th March 2021
Posted By: David Button

Steve took the time to understand my financial situation and advised the best course of action to get the mortgage we required at the best possible cost. There were a number of hurdles to jump, required by the lender, but Steve and Sue did an excellent job of keeping me informed of progress and supporting in resolving any queries.

Date of Posting:25th February 2021
Posted By: Mr P O’Callaghan

Steven and Sue have made the process as easy and simple as possible throughout. They have been very efficient with time scales, responding to emails and calls. Their communication with ourselves has been amazing. Nothing has been too much for them.

Date of Posting:24th February 2021
Posted By: Mr T Page & Miss S Vincent

Very good and clear advice.

Date of Posting:23rd February 2021
Posted By: Mr R Adams

We ask Steve to help us with many of our financial endeavours and he always provides a second to none service. We have recommended him to our friends in the past and of course will continue to do so.

Date of Posting:16th February 2021
Posted By: Mr & Mrs Gaunt

Couldn’t have asked for a better mortgage advice team for my purchase. I’m a first-time buyer so had little understanding of the process. Steve and Sue were incredibly patient and careful to explain everything in a way I would understand. They kept me informed at every step of the process and answered my calls and emails immediately every time. I can’t recommend them enough!

Date of Posting:25th January 2021
Posted By: Miss Fentiman

Our second mortgage arranged by Steve & Sue – Outstanding Service, excellent level of support complimented by excellent communications. We have every confidence in both Steve & Sue supporting us through the mortgage maze. On both occasions the process has been seamless – We can highly recommend the services of this amazing company – where customers come first.

Date of Posting:20th January 2021
Posted By: Mr & Mrs Howe

I am absolutely thrilled at the service I have received. After failing to get a mortgage through standard lenders, I had given up hope on being able to move so I am very happy to have found Steve and Sue. They were helpful and extremely supportive, especially given our very tight timeline, and were able to find a mortgage that suited me. I would absolutely recommend them!

Date of Posting:19th January 2021
Posted By: Miss Graddon

During very difficult COVID times, Steven and Sue were always just a phone call away to answer all our questions and concerns.
Their knowledge found us a great mortgage even with my historical adverse credit history.
Their personal touch really is the difference.
Cannot recommend highly enough.

Date of Posting:4th January 2021
Posted By: Mr & Mrs Cathcart

After feeling like we didn’t know where to start, Steve and Sue helped us secure a mortgage as first time buyers and made the whole process as stress free as possible with any queries answered clearly and efficiently.

Date of Posting:14th December 2020
Posted By: Mr Watkins & Miss Haynes

Steven and Sue have been fantastic to work with, throughout the whole process they have kept us up to date and helped us overcome obstacles, From start to finish they have always been at the end of the phone for any help we needed, cannot recommend them enough!! Thank you for helping us achieve our dream.

Date of Posting:30th November 2020
Posted By: Mr Easton and Miss Burge

I chose Steve and Sue because of the amazing testimonials I had read and they completely lived up to their reputation. I am a first time buyer and the extra guidance having Steve and Sue on board was invaluable. Very happy with the service and would recommend to anyone.

Date of Posting:20th November 2020
Posted By: Mr Flannery

Lovely Jubbly – thank you

Date of Posting:19th November 2020
Posted By: Poskitt

Steven and Sue! Both of you are amazing and excellent in communicating with us in each step of our mortgage application process. Our sincere gratitude to both of you resolving a very difficult case in limited time, particularly after let down by our previous MA. We would like to recommend your services to friends and family. We also intend to use your services for our future buy-to-let purchases, when required.

Date of Posting:16th November 2020
Posted By: Gandra

I would recommend SN Mortgages to anyone wanting a professional mortgage broker. I found their services to be straight forward and hassle free.

Date of Posting:16th November 2020
Posted By: David Sharp

Steven and Sue have been extremely helpful when nobody else was able to help us. They explained the process throughout due to it being our first mortgage and made sure we understood everything. Thank you for all your help.

Date of Posting:26th October 2020
Posted By: Easton and Burge

Very helpful, knowledgeable and went out of their way to arrange the best mortgage possible. I appreciate the lengths you have gone to, to get us the mortgage. You have really worked hard for your money.

Date of Posting:22nd October 2020
Posted By: Mr Jorritsma

We cannot thank you enough for making this happen, some bumpy moments maybe but it would not have been possible without your effort and knowledge. I doubt you will find as many cases quite as tricky as ours, and you managed to get us approved despite this, and during a pandemic! Fab work .Even though Bluestone took a long time to process our application both Steven and Sue kept us up to date. We would use them again.

Date of Posting:12th October 2020
Posted By: Mr Byrnes and Ms Barnett

Extremely happy with the service.

Date of Posting:8th October 2020
Posted By: Mr M Cole

Steve gave brilliant advice and secured a great mortgage even with very adverse credit.

Date of Posting: 7th October 2020
Posted By: Mr D Edwards

It is always a pleasure to deal with both Steven and Sue at SN Mortgages.

Date of Posting: 1st October 2020
Posted By: Mr Saffron

Great service! Thank you for all your efforts and your help and support throughout this whole process. You are stars.

Date of Posting: 22nd September 2020
Posted By: Ms Knowles

Very helpful – I was struggling to get a mortgage through any other lender directly and after speaking with Steve I had a Decision in Principle within a couple of days. Thanks for all your help!!

Date of Posting: 16th September 2020
Posted By: Mr Cooke

We found them very helpful in difficult circumstances, would recommend

Date of Posting: 11th September 2020
Posted By: Mr C Owen

This is the second time I have used SN Mortgages and I certainly would not go anywhere else, for want of a better expression ” it does what it says on the can” extremely help full and really friendly people I would advise anyone searching for any mortgage or related services to contact Steve or Sue , lovely people that achieve excellent results

Date of Posting: 20th July 2020
Posted By: Mr P Walker

Thank you again to Steven and Sue for their help with our remortgage, second time using them. Was great to get so much support through the Covid period.

Date of Posting: 30th June 2020
Posted By: Mr Patel

Fantastic service from beginning to end. Steven was always on the end of the phone if I had any questions or concerns and put my mind at ease with solutions to any issues. Highly recommended.

Date of Posting: 26th June 2020
Posted By: Mr Cantwell

This was the second time we have used SN Mortgages and the service has been excellent both times. I felt that Steve fully understood our requirements and found a mortgage that met our needs. Many thanks!

Date of Posting: 3rd June 2020
Posted By: Mr Shepherd

Steve was very informative and helped me understand the process and my options. Sue replied to my emails in a timely manner and also very understanding and professional.

Date of Posting: 20th March 2020
Posted By: Mr Miti

Steve and Sue made the whole process very easy and calming. The advice given set me at ease as I thought I wouldn’t be able to get a mortgage due to credit issues of the past. Highly recommend!

Date of Posting: 11th March 2020
Posted By: Mr Wright

Thanks both for all your help!

Date of Posting: 14 February 2020
Posted By: Anonymous

Excellent service, always informed me of any information required in a timely manor. Many thanks for everything you done. I never thought It would be possible to own my own property.

Date of Posting: 13 February 2020
Posted By: Ms Ross

Steven and Sue were extremely helpful and knowledgeable and their calming influences made us feel at ease throughout the whole process.

Date of Posting: 03 February 2020
Posted By: Baggott

Very obliging, helpful and provided all the guidance we could have expected.

Date of Posting: 23 January 2020
Posted By: Millar

Steve provided an excellent service to us and ensured we had the necessary documentation in readiness for our mortgage application. He was very patient in dealing with all our enquiries looking through several scenarios to suit our situation. The process was seamless and very satisfactory.

Date of Posting: 13 January 2020
Posted By: Ayodele

SN Mortgages understood our position extremely well, even when there was an unexpected potential move rather than the remortgage.

Date of Posting: 28 November 2019
Posted By: Elliott

Thank you – yet again! We have organised a variety of mortgages over the years with SN Mortgages. The mortgage process is always complex by nature, but Steve and Sue always make the ‘journey’ as seamless as possible. Calm, friendly, helpful.

Date of Posting: 28 November 2019
Posted By: Webb

S N Mortgages have provided an excellent service. They have been very accommodating to my personal requirements and provided a timely, yet thorough service. They provided multiple product options and talked me through the benefits in each case. Thank you both for your support and patience.

Date of Posting: 14 November 2019
Posted By: Mr & Mrs Tarring

Thank you Steve & Sue for all your hard work in in securing a mortgage for us to purchase our first home. No query or question was too much trouble, thanks again.

Date of Posting: 07 November 2019
Posted By: Mr Hockley & Miss Lee

The service provided by Steven and Sue was excellent. They fully understood my requirements and provided clear guidance and support throughout my mortgage application process through to completion of my house purchase.

Date of Posting: 17 October 2019
Posted By: Pullan

Some misunderstanding on documents not being received when they had been but the service has been wonderful, good experience for our first mortgage – so Thank you for all your help.

Date of Posting: 14 October 2019
Posted By: Poskitt & Illingworth

Thanks for an excellent service. SN mortgages were attentive and caring throughout the process and saw our full mortgage all the way through. A definite recommendation.
Amazing thanks to you and Steven, you have been a massive help to us. It’s been a real pleasure working with you. Thanks for everything :)

Date of Posting: 24 September 2019
Posted By: Lamghafri & Macnab

As always, both Steven and Sue were knowledgeable, helpful, informative, quick and a pleasure to deal with.

Date of Posting: 19 August 2019
Posted By: Clive Saffron

Many thanks for yours and Steve’s help with this . ….again!

Date of Posting: 16 August 2019
Posted By: Anonymous

Due to my adverse credit, my wife and I struggled to get a joint mortgage through our own bank and other high street lenders.
I came across SN Mortgages by browsing the internet and decided to get in touch with Steve and its the best decision I made. I explained our situation and Steve replied with confidence that he could get us the mortgage we required.
It took longer than expected with all the documentation the lender requested but it was worth the wait in the end.
Steve and Sue were both fantastic and very professional throughout the whole process and I cant thank them enough as its all down to them that we are looking forward to moving into our new home.

Date of Posting: 05 July 2019
Posted By: Mr & Mrs Clark

Prior to contacting Steve & Sue we had been bounced back by two mainstream brokers who had not taken the time to understand our financial circumstances fully. After previously being unsuccessful with an adverse lender through our previous broker, we had very little expectation that they would be able to help us. Steve not only found us a suitable lender, he also secured us a significantly better rate and term than we had been previously turned down for! Their level of detail and fact finding gave us the reassurance that they fully understood our circumstances and could convey this to the lenders. Our only regret was that we hadn’t contacted them first as we would have saved ourselves a lot of time and stress!
We had some fantastic feedback from the Developer regarding the communications they received from Sue and Steve,and that helped alleviate some of their concerns when our reservation expired.

Date of Posting: 04 June 2019
Posted By: Dominic H

Quick and amazing service.
Thanks again for a fabulous service you provided for us on getting a new mortgage and so quick.

Date of Posting: 21 May 2019
Posted By: Graham and Adele Lockyear

SN Mortgages are efficient, friendly and so easy to deal with, we would have no hesitation in recommending them.

Date of Posting: 14 May 2019
Posted By: Jean and Neil Lovesy

Steve and I have reluctantly taken the decision to withdraw from the purchase and as there is nothing suitable on the market to close our application for a mortgage. You have been great to work with and when a suitable property comes up we wouldn’t hesitate to get back in touch. Susan Lowe

Thank you for your kind words and I am sure you will find something and it will be better than the one your lost – one of my favourite sayings is ‘everything comes to he who waits’. Would it be OK to add your comments to my website please? Steven Neale

Please do use our comments you very much earned them. Susan Lowe

Date of Posting: 15 April 2019
Posted By: Susan and Stephen Lowe

Thank you both for all of your advice. We really genuinely couldn’t have got our perfect house without your knowledge, experience & advice.

Date of Posting: 15 March 2019
Posted By: Mr and Mrs Stephens

There are not enough words to say how amazing you’ve been in arranging our mortgage. With our credit problems and ages of 74 we thought we were an impossible case especially after trying numerous avenues and being refused. Our sincere thanks go to both of you for your hard work and perseverance.

Date of Posting: 18 February 2019
Posted By: Allan and Linda Kay

Both Steven and Sue have been amazing from start to finish. Our previous broker had told us what we wanted was pretty much impossible. However after calling SN Mortgages, who have gone above and beyond, we about to exchange on our wonderful new home.
We cannot praise them enough and would encourage anyone who may think this could not be achieved for themselves to give them a call

Date of Posting: 21 January 2019
Posted By: Mr and Mrs Sutton

An excellent service provided by a knowledgeable & professional team. Assistance was always available, clarification was always given and the confidence our case was being professionally managed – An outstanding service which we would have no hesitation what so ever in recommending. Thanks to you all, very much appreciated. Looking forward to doing business with you in the future. Rich & Kay

Date of Posting: 10 January 2019
Posted By: Rich and Kay

Steve and Sue, thank you both for your first-rate service enabling me to get back onto the property market. Would highly recommend to anyone who may have an adverse credit history…

Date of Posting: 09 January 2019
Posted By: Andrew, Berkshire

With my IVA history it was really important to have somebody understand my background and circumstances to get the right result – Steve completely achieved that and Sue was a brilliant follow through part of the service with her management of the paper trail. Thank you both for your fantastic help…..

Date of Posting: 03 January 2019
Posted By: Richard and Davinia Allbrook

Helped me when it appeared no-one else would. Fantastic help from the start. Reassuring and friendly.

Date of Posting: 20 December 2018
Posted By: Sarah Murgatroyd
I was looking for the best adverse credit mortgage I could get being a difficult case. Steve Neale managed to not only get me approved for a great mortgage but also made the whole process run smoothly and stress free. I would recommend SN Mortgages

Date of Posting: 01 December 2018
Posted By: Scott

Very helpful and friendly company

Date of Posting: 12 November 2018
Posted By: Turner

An outstanding service that is very much worth the cost. Would recommend to anyone with a less than perfect credit history

Date of Posting: 06 November 2018
Posted By: Anonymous

I cant thank Steve and Sue enough. I’m certain that without them I would not have managed to buy my flat. They went above and beyond with not one, but two mortgage applications and succeeded in getting me a great deal from a lender who initially declined me on a technicality. I thought he would say I had no chance of getting a mortgage but managed it…twice.

Date of Posting: 25 September 2018
Posted By: Emma Smith

Steve and Sue provided us with exemplary service, sound professional advice and clearly knew their business. Our plans can only be described as impossible, after a flurry of no’s from various companies I was lucky enough to come across SN Mortgages online. Steve took on our case, with some hesitancy admittedly! but persevered. We were kept updated throughout the process and when required Steve and Sue acted swiftly to satisfy the mortgage company demands. the short of it is the Impossible was realised. However this is only due to SN Mortgages expertise, tenacity and sheer professionalism, which are second to absolutely none. Thank you, we are very grateful to you.

Date of Posting: 18 September 2018
Posted By: C and Y Patel

Steve & Sue are fabulous and so professional. I tried another local broker but they really were not helpful at all. My case was complex on so many different points and I had complete faith from my first phone call with Steve that if SN Mortgages couldn’t help me then no one else could. I cannot recommend SN Mortgages highly enough, they turned around any queries quickly and kept me informed throughout the process. Steve and Sue were both very flexible and accommodating and I didn’t even need to take days off work to process all the information as we could do most communication by email. 5 * Customer Experience. Would not hesitate to recommend to family or friends and will for certain use their services again. Thank you both.

Date of Posting: 04 September 2018
Posted By: Julie Campbell

Overall a very positive experience! Thanks

Date of Posting: 03 September 2018
Posted By: O’Donnell

Steve and Sue were fantastic from the beginning, although we thought our circumstances meant we had limited chances of attaining a mortgage offer they worked tirelessly to find a lender that would be open to our unique situation. We cannot recommend them highly enough.

Date of Posting: 30 August 2018
Posted By: Sansom

Thank you so much for all your help!

Date of Posting: 26 July 2018
Posted By: Matthew and Emily Shepherd

Very calm and helpful

Date of Posting: 12 July 2018
Posted By: Jo Ziegert

From the start of this process we knew that we would need specialist help to obtain a mortgage, given our circumstances. Both Steven and sue went above and beyond to help us achieve this, any Issue that arose there was a solution and there were a few that came up but nothing that Steven didn’t know how to rectify.
We shall be eternally grateful for all that they did for us and It was definitely money well spent.
We don’t Intend to use anyone else for our mortgage needs In the future as In our opinion no one else Is good enough.
If you have special circumstances that have previously hindered you getting a mortgage I guarantee that Steven and sue can help.
Forever grateful

Date of Posting: 03 July 2018
Posted By: Lois and John Reynolds

Excellent service. Steven was most helpful with any questions I had for him at any time of day.Will recommend.

Date of Posting: 11 June 2018
Posted By: Kevin and Luisa Barry

We are so thankful for your help! You really have helped us to turn our lives around.

Date of Posting: 13 April 2018
Posted By: Julia and Lee Taylor

A very big thank you to Sue and Steve. Very nice people who were very helpful and understanding. Would always recommend them without a doubt.

Date of Posting: 04 April 2018
Posted By: Peter Walker

I would like to thank you both for an outstanding service you provided to me, you always kept me up to date with all what was happening. I will definitely recommend your services to friends and family.

Date of Posting: 03 April 2018
Posted By: Daniel Smith

Wonderful, friendly and efficient service, so lovely to deal with : )

Date of Posting: 09 March 2018
Posted By: Neil and Jean Lovesy

We experienced significant issues in respect to our lender (Barclays) in regard to delays, misinformation and process gaps. SN Mortgages were very supportive in chasing the lender, clarifying aspects and helping us to ensure failures were addressed.

Date of Posting: 07 March 2018
Posted By: John Farrell

I am in a DMP, have defaults and my credit history isn’t great, however Steve matched me up to a lender for a remortgage. I am now on a repayment mortgage and paying less than before.
Thank you for arranging my remortgage.

Date of Posting: 16 January 2018
Posted By: Steven Salmon

Steve and Sue have both worked tirelessly over the course of the 12 months to ensure my wife and I gained the best mortgage product available, in what proved to be particularly complicated personal circumstances. I would happily and highly recommend SN Mortgages to anybody and guarantee they would receive a high professional level of service.

Date of Posting: 15 December 2017
Posted By: Paul Cooke

Really great service, with good communication and support. Thank you for everything

Date of Posting: 07 December 2017
Posted By: Anam Khawar & Sahir Patel

We are very much over the moon thank you. More people should be aware of your company. The service we have received from day one has been superb. I will be sure to recommend you where ever I can. I am sure we will continue to bug you for advice and look forward to sorting out our insurance and then our review in 3 years time.

Date of Posting: 17 November 2017
Posted By: Phil Watson and Nicola Tompkins

Both Steven and Sue have been extremely helpful, knowledgeable and proactive at finding the right mortgage for my purchase. I have been very impressed at the way they have dealt with any enquiries and issues that have arisen. I would recommend their services to anyone.

‘I want to say thank you for the amazing service you have given me over the last few months.
For my daughter and I this is a new beginning and I couldn’t have done this without the wonderful service you provided. Once again thank you’

Date of Posting: 31 October 2017
Posted By: Amanda Allnutt

Very satisfied with this service.

Date of Posting: 30 October 2017
Posted By: Diane Eardley

Having had very disjointed and unusual financial circumstances, finding SN Mortgages was a breath of fresh air, being treated like individuals, finding the right products to match our needs, finally someone who could help us, mostly due to knowledge, understanding and professional attitude by all within SN Mortgages. Thank you.

Adam and I can’t thank you folks enough, I found you through a search engine on the wonder web and was impressed by the reviews, I called on the off chance that you could untangle our web of money confusion, and to say you’ve made our dreams come true is no understatement. All exchanged! Completion set. Many fizzy wines to be consumed! Thank you for all your help, patience, understanding and fantasticness! Even recommended you to our good friends, who I think have called already. Speak soon you wonderful money magic makers
Lynda and Adam.

Date of Posting: 17 October 2017
Posted By: Lynda and Adam Stent

Top notch service, extremely happy satisfied customer.

Date of Posting: 14 September 2017
Posted By: Shoes Simes

We think that the help we have had by Steven Neale has been great finding us a mortgage and we will definitely come back after our fixed rate has run out.

Date of Posting: 07 September 2017
Posted By: Dan and Michelle Collier

Very happy. Excellent support staff too. Emails and phone calls responded to in a timely manner.

Date of Posting: 19 June 2017
Posted By: James Fleming

Thank you to Steve & Sue. You were both honest and thoroughly helpful throughout the whole process. I appreciate all the extra advice Steve gave to me whenever I needed anything. Would recommend to anyone who needs any advice in the future.

Date of Posting: 15 June 2017
Posted By: Chris Sands

Thank you for everything you have done for us. Really happy we found you. All the best.

Date of Posting: 09 May 2017
Posted By: Atherton & Hitchcock

Really easy process

Date of Posting: 09 May 2017
Posted By: Andrew

After being rejected Steve managed to find us a mortgage. He didn’t stop there but shopped around and got us a better deal. Thank you!

Date of Posting: 08 May 2017
Posted By: Craig and Lisa Henderson

After researching numerous adverse mortgage specialists, SN Mortgages absolutely proved to be the right choice. Having an adverse credit history meant making the right financial choices about our future all the more important and from the beginning Steven felt like a safe pair of hands to manage our mortgage application process. Our relationship started over 12 months before applying for anything with Steven providing key financial guidance which helped ensure that when the time came, we had done all we could to make the process as trouble free as we could. All the advice provided was spot on and ensured we did things in the right order, at the right time. Steven and Sue proved to be incredibly patient and professional in the face of numerous questions and queries and were always on hand to help at every step. When it came to the time to apply, all the weeks of prep and advice paid off and we got our Decision in Principle, followed swiftly by a mortgage offer. Our situation was such that we really only had 1 option with 1 lender so it was absolutely key that Steven got it right. We are now on the verge of exchanging contracts on our new home and can finally picture a future that before Steve and Sue’s involvement was a mere pipe dream. Thank you once again to Steven and Sue.

Date of Posting: 11 April 2017
Posted By: Graham and Katie Shaw

We are so grateful for all the help and support you’ve have given us.

Date of Posting: 01 March 2017
Posted By: Kevin Lee & Rachael Persaud

Steve and Sue were both very professional and helpful. I would recommend the to anybody who was in my position.

Date of Posting: 27 February 2017
Posted By: Elliott

Great service again – appreciate the patience and support to secure us the best deal for us on the market. I would have no hesitation in recommending you to others.

Date of Posting: 03 February 2017
Posted By: Iles

Very understanding company to work with who went above and beyond their role. Steven liaised with our Estate Agent to help the whole process run smoothly and less stressful for us. We will recommend this company to family and friends.

Date of Posting: 30 January 2017
Posted By: Mr & Mrs Robinson

Steven Neale helped us to get a mortgage when other brokers could not help.

Date of Posting: 09 January 2017
Posted By: Wells

Very helpful. Tried a few brokers prior who hit a brick wall. SN Mortgages were more resilient and thorough in their assistance and our application. They accommodated our less than perfect circumstances, were very knowledgeable in their field and communication was excellent via all means. After a lengthy application, it couldn’t have happened without SN Mortgages. I would highly recommend to anyone and would certainly be using word of mouth to family, friends and colleagues in the future.

Date of Posting: 08 January 2017
Posted By: Onobrauche

Excellent customer service, go the extra mile.

Date of Posting: 17 November 2016
Posted By: Farrell

By far the only professionals in the whole buying process who took an understanding both financial and emotionally in the process, would not hesitate in recommend the services.

Date of Posting: 31 October 2016
Posted By: Brian Coulton

I was struggling to get the BTL mortgage we required due to some past credit issues and had been turned down by numerous lenders and indeed brokers. That’s when Steve and Sue came in with a service second to none and within a matter of days they had come up with a mortgage package that significantly exceeded our expectations. We have since purchased with added bonus tenants are already paying rent

Date of Posting: 07 October 2016
Posted By: Mr White

A good personal service, especially if applying for the first time.

Date of Posting: 03 October 2016
Posted By: Anonymous

Steve and Sue provided an excellent service, a mortgage agreed in principle within a matter of days, we could not believe it, thank you for making our dreams come true.

Date of Posting: 27 September 2016
Posted By: McManus

Steve and Sue have been absolutely fantastic in helping us achieve what we needed. Great people. Would definitely recommend

Date of Posting: 26 September 2016
Posted By: Akbar & Janjua

Steve understood our situation and quickly assessed which lender would best suit our needs. Without Steve we could not have purchased our first home. Both Steve and Sue have been first rate. Many people may baulk at the fee but in my opinion the service provided justifies it. Steve and Sue always provided clear and concise information and provided top notch customer service. Many thanks guys.

Date of Posting: 20 September 2016
Posted By: Amit and Nisha Patel

Highly satisfactory service with outcomes that we were very pleased with. I found the level of commitment, drive and expertise to succeed in acquiring a mortgage deal for us highly commendable.

Date of Posting: 28 July 2016
Posted By: Anonymous

An excellent service which I highly recommend. Thank you.

Date of Posting: 18 July 2016
Posted By: Seaman

The transaction went through as explained, the team were very efficient and helpful throughout the transaction. Great service received. Many thanks

Date of Posting: 05 July 2016
Posted By: Mr P Tennant

This is my 3rd mortgage with Steven Neale and things always run smoothly. Great service

Date of Posting: 29 June 2016
Posted By: Waring

Steven and his wife Sue are brilliant. They are truly helpful, accommodating,efficient and reliable, They had established good communication with us from the start. Their service is excellent. We will forever be grateful for their assistance to help us secure and now enjoy our new home. We highly recommend SN Mortgages and FS Ltd.

Date of Posting: 23 June 2016
Posted By: Sunga

Thanks to Steven and Sue I was able to get a mortgage to purchase a new house whereas I was at a loss with High Street lenders. All advice and correspondance was excellent.

Date of Posting: 22 June 2016
Posted By: Mr Cotton

Excellent service, friendly and professional as well as responsive to all emails and phone messages

Date of Posting: 20 June 2016
Posted By: Atkinson

Steven and Sue have provided a first class service which has enabled me to purchase our first home. I would highly recommend SN Mortgages to anyone who is struggling to obtain a mortgage

Date of Posting: 15 June 2016
Posted By: Jonathan Purt

The service received was excellent. They were always available to discuss our needs. A big thank you.

Date of Posting: 09 April 2016
Posted By: Reuben and Seyi Edwards

Many thanks for succeedung when a number of other brokers failed to match us with the right lender for our situation. Without a doubt we wouldn’t be in our home without your knowledge and dedication. I thank both Steven and sue for all your hard work.

Date of Posting: 11 March 2016
Posted By: Paul and Josie Carn

Lovely people and very welcoming

Date of Posting: 29 February 2016
Posted By: McMillan

Steven was excellent in his advice at a difficult time with other financial institutions. We cannot thank them enough for all their efforts and showing that there is always light at the end of the tunnel.

Date of Posting: 16 February 2016
Posted By: Lovesy

Steven and Sue Neale provided a professional but friendly service, presenting options which were appropriate to our personal circumstances and ultimately led to the successful award of a mortgage at a rate which might not otherwise have been achieved, should I have chosen to ‘go it alone’. They offered re-assuring advice throughout, giving a level of confidence which took much of the stress out of the process. I would gladly use their services again and recommend to family and friends.

Date of Posting: 30 December 2015
Posted By: Mr & Mrs Burnham

Very helpful well worth contacting them, Nobody else could arrange a mortgage for us but Steven did this within a few days of contacting him.

Date of Posting: 04 November 2015
Posted By: Malcolm Watson

I was happy with the advice and service

Date of Posting: 27 October 2015
Posted By: Dan Baker

Great service well delivered. Steven managed to help where others failed. He went out of his way constantly to help and guide through the process.

Date of Posting: 22 October 2015
Posted By: Graham Parkinson

Very knowledgeable and professional advisers. Thank you.

Date of Posting: 04 June 2015
Posted By: Parker

I found the level of commitment, drive and expertise to succeed in acquiring a mortgage deal for us highly commendable.

Date of Posting: 03 June 2015
Posted By: Anonymous

I was particularly pleased with how quickly my emails/queries were responded to

Date of Posting: 28 May 2015
Posted By: Carter and Oakley

Outstanding support and speed from SN Mortgages. Don’t know what I would have done without Steve and Sue supporting me and fighting my corner for me. Don’t hesitate to use the services provided by Steve

Date of Posting: 30 April 2015
Posted By: Anonymous

Steve was very knowledgeable about the situation I was in and very quickly narrowed down to the lender we should use. His care and attention to detail were excellent and he gave me as much time as was needed to go through the situation and potential products in detail. I can only thank him profusely for getting us over the line and we will soon be settled into our new home.

Date of Posting: 11 March 2015
Posted By: John Ivory

Steven Neale and his wife conducted themselves with our requirements in an exemplary way and kept us totally in the picture of what was happening.

Date of Posting: 11 March 2015
Posted By: Bob Allison

Overall service was good and as expected. Detail was explained and everything completed in a timely fashion. I felt we have been given the best possible service with the information we provided. Would use again and would recommend to others.

Date of Posting: 09 February 2015
Posted By: Brian & Alex Parker

Thank you. Never thought I would be in a position to purchase a home for the next two years without your services. Finally debt free, well apart from a mortgage, but most importantly have a home and security for my family.

Date of Posting: 12 January 2015
Posted By: Jennifer Wetter

It has been a pleasure dealing with you both; we could not have done this without you. You really are the best mortgage advisers around.

Date of Posting: 18 November 2014
Posted By: Mr & Mrs Weaver