Lee & Carol, Chingford.

Lee & Carol had bought their first house about three years ago, and spent a great deal of time and effort making it into their home. Unfortunately, it also took quite a lot of money to make their home just right, which meant both of their credit cards had been taken up to the limits, and payments to the mortgage and credit cards were £1,771.00 per month. They were really struggling to keep up the payments, and were worried that if they started to miss payments their unblemished credit history could be tarnished.

After reviewing their circumstances, this is how we helped Lee and Carol:

We Enabled Them To Reduce Their Monthly Payments To £972.30, saving them a staggering £798.70 per month OR £47,922.00 Over Five Years. In Line With Their Stated Attitude To Risk, We Ensured That They Were On A Fixed Rate For 5Years, So They Could Be Secure In The Knowledge That Their Payments Would Not Go Up For 5 Years.
We Agreed That Just Before Their 5 Year Fixed Rate Ends, We Will Automatically contact Them To Seek Out Their Next Great Mortgage Deal. They Even Got A £1,000.00 Cash back When Their Mortgage Completed.

Carol Told Us: "I just wanted to send a quick note to say thank you so much for all your help! You have really saved our skin! Your call to me this morning really made my day. Thank you for everything!"

Brian & Clare, Surrey.

Brian & Clare had seventeen years left on their repayment mortgage, and had never changed mortgage provider. They initially contacted us, after a friend suggested that the Mortgage Reduction Specialists might be of use. As part of our initial fact find, we conducted a review of their insurance and protection requirements. Brian told us that he had recently moved to a much better paid job, but that he was only entitled to one months sick pay. He was also concerned, that they only had sufficient savings to last for a couple of months if the worse came to the worse.

After reviewing their circumstances, this is how we helped Brian and Clare:

We arranged a highly competitive discounted rate mortgage, which made them substantial monthly savings.
There was no arrangement fee, valuation fee, and the legal costs were free, so there were no initial set up costs.
We set in place a plan that would repay the mortgage if either of them were to die, or even suffer a critical illness (even of they got better) through out the mortgage. Not only this, but if either of them were too ill to work, they would be paid £2,000 per month, until they got better, (or until the end of the mortgage term!).
All this peace of mind, and still better off each month.

Brian Said: "A pleasure dealing with professional people, who really know what they are talking about, and get things sorted out quickly. We’d always put off looking at the mortgage, because we thought it would be a hassle, but the Mortgage Reduction Specialists took care of everything"

Rhys & Rebecca, Pontypridd:

Rhys and Rebecca, have always been pretty switched on when it comes to mortgages. They regularly review their arrangements to make sure they’ve got the best deal for their circumstances. It was when Rhys was researching their next re mortgage on the net, that he came across the Mortgage Reduction Specialists, and decided to put us to the test.

After reviewing their circumstances, this is how we helped Rhys and Rebecca:

Found them a highly competitive tracker mortgage, as they had requested, from a major high street lender. However, as part of a large network the specific mortgage we obtained for them was an exclusive deal, that they would not have been able to get direct from the lender themselves!
Free Valuation, Free Legal's, and no arrangement fee.
No extended tie in to the lender, so we can search out their next mortgage deal as this one ends.

Rhys Said: "We’ve always spent a couple of weeks looking a Which magazine and scouring the net every couple of years, but in future, we’ll let the Mortgage Reduction Specialists do all the work for us. Can’t believe they do all this without charging a fee."

Jonathon and Jennifer had already arranged for a salesman from a national broker to visit them. In fact he had called on them once and would be visiting again one week later to present his recommendations. He had already advised them that his firm would charge their standard Broker Fee of £499.00. After coming across the Mortgage Reduction Specialists on the internet, Jonathon explained that he was prepared to pay this fee, as he thought he would have difficulty finding a mortgage as he is self employed, and as yet has no accounts.

After reviewing their circumstances, this is how we helped Jonathon & Jennifer:

Provided a quick and professional service, providing full illustrations and recommendations, the day after conducting a thorough fact find of their circumstances.
Found them the same highly competitive ‘self certification’ mortgage that the visiting salesman found.
Arranged everything, liasing with the lender, and instructing a solicitor.
Did all this without charging ANY fee!
Jonathon & Jennifer said: ‘’We couldn't’t believe that MRS came up with exactly the same deal, only they took 24 hour hours instead of a week! Oh, and they didn't want to charge us five hundred quid for the privilege of using them.’’

Vanessa, Lewisham:

Following a matrimonial break-up, Vanessa had missed a couple of mortgage payments, and was struggling with monthly commitments. Because she’d missed a couple of payments, not only would her existing lender not help her, but none of the high street banks would help her to re mortgage.

How we helped Vanessa:

Arranged a discounted mortgage with a lender, who was willing to help.
Provided significantly lower payments for the next two years, which will allow her to get back some financial stability.
Made her additional monthly savings by ensuring that she switched to the most competitive insurance products.
Vanessa said: "A work colleague told me about the Mortgage Reduction Specialists and they really were fantastic. Friendly and helpful, they got things sorted out for me really quickly just at a time when the pressures were starting to build up."

Top