” This is my first time of using a packager in 15yrs and I have to say I am very impressed. I know there is several packagers out there but I have been impressed with Complete and will use you for future business. I have already submitted a second case.“
” Really appreciate your help on this case you have been brilliant. Hopefully you get to package the next application I send in.“
” Thanks Ann-Marie – you’re a star, and it’s a pleasure dealing with you.
Thank you for being so consistently efficient – and always so happy / in a good mood, too! It’s a real tonic in the midst of all of our heavy workloads!“
” Thanks for all your help on this case, and thank you for your professionalism always willing to answer my questions in a kindly manner, its been a difficult case but we got there in the end.“
” Ann-Marie you have been very helpful and easy to contact throughout, thank you!
I will not hesitate to use you next time we have an off panel/specialist case.“
” My feedback is 100% positive as always. Everyone at Complete are fantastic and it is a pleasure doing business with you.
Thank you for your help as always.“
” Great, thank you Becky for all your help!
You’ve been amazing, best company I have ever dealt with, please also thank Jo for me too.“
” I just wanted to give you a bit of positive feedback on my recent experiences of dealing with your colleague – Emma Page, Deputy Team Leader at Complete FS, in relation to the case of mine. Emma has been extremely helpful, knowledgeable and efficient throughout the entire enquiry and application process.
This is not really a surprise, as my experience of dealing with Complete FS has generally been positive when I’ve spoken with other members of your team. However, I genuinely feel that Emma has gone above and beyond my expectations of good service. She has always responded to my queries in a timely and professional manner.
All in all, dealing with Emma on this case has been an extremely agreeable and easy process.
This level of service was particularly welcome as the client in question is actually a life long friend of my family. So as you can imagine, providing her with an exemplary service was very important to me. I know I can’t insist on this, but I very much hope that I get to deal with Emma again in the near future on other cases.
Thank you very much for all your help on this case Emma.“
” Excellent service from Complete-fs. Andy was fantastic at providing the necessary detailed, correct financial and lending information in a fast and efficient manner. As I was buying at auction, timing was critical and he provided appropriate finance options quickly and was always available to discuss the lending criteria. Jack was also brilliant at communicating with the lender to keep my application on track and monitoring the progress. He was great at making sure I was kept informed at each stage of the process and both Andy and Jack responded quickly to my queries. Such a great team, the process was seamless and I got the finance on time, which enabled me to complete my property purchase. I will be working with them soon on refinancing options so would highly recommend them. “
” I just wanted to reach out to recognise just how incredible Helen Kitchen has been the past couple of weeks with one our firms cases. The advisor originally dealing with the case has been out of the office for the past couple of weeks and I have been keeping an eye on their cases. However this one appeared to have slipped through and completion was delayed by a week. We’re flat out this end and it was so great that Helen took the initiative to do what was needed. The customer is very happy as they are a detail orientated person. Thanks to Helen I was able to call them yesterday and keep things sweet.
Better still today, I was about to call for an update but Helen had already emailed me to confirm what was happening. Life saver! “
” Just a quick email. I wanted to express my satisfaction with a case we have recently had completed through you guys. My case manager was Sami.
In short, the case was a resi remo, raising for home improvements, defaults on the case, client living and working in Switzerland, which made this case a bit of an admin nightmare.
Sami controlled the case all the way through. She chased the lender without us needing to chase yourself. I can safely say Sami was difference between this being an absolute nightmare and a smooth full application.
It is all we could ask for in a packager. 5 stars !!!
I wanted to make a special mention to Martin. I feel with Martin I can send him a credit file and have an offer back in 3 hours. He has been really helpful over the last few months as well. “
“Just wanted to give some feedback for one of your staff – Ann-Marie Cummins (Case Manager). Ann-Marie was exceptional throughout, and made my life so much easier than it often is with other packagers. Rather than simply forward on short responses from client/broker that would have meant me asking more questions and delaying the case being progressed, she took it upon herself to revert back and get everything super clear and detailed, and then provide to me in one go. She listened to my concerns of the case, was very polite and professional, and the case going to offer as quick as it did is a testament to her hard work and 5* service. More of the same please 😊“
Daniel – Vida Homeloans
“You were absolutely terrific, and I’m really pleased you was there to help, so thank you.“
“Good morning Helen. Thank you for letting me know. I have been very impressed with your help and support with this application which I am sure contributed to Ms D receiving a mortgage offer. I will use Complete FS again when I have suitable cases.“
“just want to say a massive thank you to Sami and Flynn. I honestly don’t think I would have got to the end without your persistence, guidance and morale support. You both are a credit to Complete and they should value the commitment you give to the company. I’m sure you will both miss my daily ‘pest’ calls 😂. If I ever meet you both in person I defo owe you a glass of Prosecco or a beer. All the best. “
” Sami was a tremendous help with this case as wasn’t easy due to affordability. Great service again. “
” In terms of feedback, I was delighted with the professionalism and knowledge of Complete. I will definitely be coming back. “
Have a good weekend.
” Thanks Becky 😊 That is great news and thank you very much for your support throughout the whole process. If there is anywhere I can leave feedback for your services then do let me know as I am very impressed with your responsiveness and quick turnaround times to all queries that have been raised. “
“Just wanted to say thank you for arranging our remortgage for us. We spoke to many mortgage advisers and you were by far the most helpful, listening to our needs and unique situation (regarding the quarterly bonus and overtime) and making it happen for us. Despite various hold ups that were out of your control, you kept us updated with everything throughout and at ease. We will be recommending your services to family and friends 🙂
We are both very happy and can now enjoy our home!
We will be back in touch when we need another mortgage.“
“Thank you Sami, You’re all very good at what you do and all your support with cases is highly regarded by Rachel and I, Please pass our thanks to everyone in the office“
” It has been a difficult case, but I am happy with the service provided by yourself and Complete FS I will definitely be using Complete FS for any further cases I cannot place. “
” Thank you for your help in getting this over the line and your fantastic communication throughout. I speak for ourselves and the clients in saying we very much appreciate your consistent co-operation. I look forward to working with you on any cases in the future. “
” We have come close with a couple of cases recently, but they weren’t meant to be. From outset dealing with every member of your team from David, Martin, Helen and everyone else in between, you have all been excellent. We can both appreciate you guys are going to be dealing with complicated cases – to say the least – on a regular basis and recently I thought I was wasting your time with all my enquires, as a lot of them we not going anywhere. The case for Price was precarious. Helen was amazing and guided both myself and my client through a very tricky application – that at one point – I thought would be declined. Behind the scenes our client Nicola had her heart set on this move for her family and during the application process her brother nearly died from Covid. His is on the mend now. From a Human point of view, you have no idea how important getting this mortgage was and Nicola, Kevin and I are extremely grateful for everything you have all done. Helen is a star and a credit to your team – in fairness you all are. I don’t get that many “difficult” cases, but when I do, be assured I will be using Complete first and foremost. “
” I just wanted to pop you a quick email now that one of my cases has offered. I was very nervous using a packager to start with as I always find the process drawn out and inefficient. I had to go to Bluestone for HTB so needed to use a packager. We recently moved to Primis so you became our designated packager. After placing this case with you and going ahead to application, Becky Odams has handled it brilliantly. She has been great with updates, efficient with documentation processing (and there was A LOT to deal with) and overall helpful with the case in getting it progressed, reviewed and appealed after many hiccups. It has been a long drawn out process as expected, but she has made it that bit easier. Now we have an offer, I am relieved and wanted to personally thank Becky and make her efforts known.
Hope to deal with your team again in the future. “
” Thank you for your email last night Claire and this morning with the updates. I look forward to receiving the mortgage offer. I can’t thank you and Jo enough for your collective efforts in getting this to the current position. You both have excelled yourselves and you have both given me something to smile about and kept the spirits on a higher level at all times. I look forward to working with you both in the future and other companies could certainly take a leaf out of your books with this case.
From the DIP being submitted on Monday last week to a mortgage offer potentially being issued today, I make that 9 working days and that is nothing short of spectacular. Well done ladies, a well-deserved amount of credit to you both. I am happy of course to happy complete any feedback that you require for you to show other companies exactly how the job should be done. “
” The case that we worked on with Becky was quite complex and there were a number of hurdles to get over throughout the application process. However, despite the pressure of all of this Becky remained incredibly patient, calm and always available to offer advice and reassurance. We felt every effort was made by Becky to ensure information and documents were passed to the lender as quickly as possible when provided to her. We had updates as often as Becky was able to give them, which was for the most part at least once or twice a week. As with most cases there were times of frustration but overall, we are very grateful that we had someone who was not only knowledgeable but understanding to help answer the questions raised and help through the application stages and ultimately get this case through to completion. We can’t thank Becky enough for all of her help. “
” Just a quick message, I wanted to let you know how much I appreciate Becky Odams hard work and determination to get a very difficult case over the line especially with the backdrop of COVID and the stamp duty holiday pressure. Becky has been very professional and extremely polite throughout the process for which I can only describe as a nightmare case!! We have been dealing with a client that expects high standards and at times was very demanding, but Becky was able to deliver a service above and beyond what would normally be required. I have on many occasions been on the phone to Becky at 7.30 in the morning and after 6 o’clock in the evenings to meet the challenges but she remained upbeat and positive throughout the journey. Please pass on my appreciation to Becky. “
” I just wanted to send you a little email to highlight the fantastic work that Leanne (and Complete in general) has done regarding this case. We have gone from a very pessimistic outlook to a result that has exceeded the client’s expectations and I can only praise Leanne for working with me on this case, talking through on the phone and working together to provide options and solutions for the client.
It is a stressful time for everybody and nobody remembers to say thank you and I personally know how draining that can be so I want to formally thank Leanne for her hard work.
Once again, thanks to you all but Leanne in particular. “
” Can I say that Helen McNamara has been fantastic and so helpful on this case. “
“I wanted to reach out and provide feedback on Emma Page. She worked with me on a complicated case and was fantastic throughout.
Emma was patient, friendly and professional and easy to work with and to approach with any question. The small things like always responding via telephone or email quickly makes a world of difference.
This was the first time I used Complete FS and it was definitely a positive experience.“
” You were all brilliant, especially considering the circumstances this year. So, I would be more than happy to use you guys again. “
Thanks for all your help.
” I am over the moon that we finally got there with this one, which is only due to Complete’s professionalism and knowledge. Yes, I will be using you again as soon as the opportunity to utilise your knowledge arises. “
” I wanted to leave some feedback on my experience with a recent bridging loan that was completed on Friday.
This is the first time I have used Complete FS for a bridging loan. The last time I did one I used a different packager. I can honestly say the process was so much better using Complete and the service has been great. From the first call to Bob through to Emma who has been amazing. My client was going to lose the property and was demanding on her timescales to get the bridging loan completed in a short space of time. Emma responded promptly and helped chase the lender and their solicitors so that Sheila could complete by the end of the month. During the process we had to change the product, Emma helped and managed to get the new offer out with a quick turnaround. Thank you Emma, one happy broker and one very happy client in Sheila.. “
” Good morning Sami.
Just a quick note to say a huge thank you from the bottom of my heart for all of your hard work and sticking with us to achieve what is a dream come true for Rebecca & I.
Have a lovely bank holiday weekend. “
” Sean, I just wanted to say thank you for all your help dealing with this case. You have been an absolute pleasure to work with and I do hope that we work together again soon in the future. “
“Jo, you have been a real superstar! I am extremely grateful….“
“Becky was working this case for me and she was brilliant. Becky was really patient with everything and made all the changes that the clients requested. Great service from Becky and Complete FS and will always recommend you when talking to other brokers. Keep up the good work and stay safe. “
“The only feed back I have is that you have a very good team there and look forward to doing more with you“
“We had a really good result on a case with Dudley via Complete that nobody else would have come close to, you got us the extra needed to make a deal work where all other lenders were coming up short of the mark.“
“Just wanted to drop you a quick note to say the cases and quality of docs submitted by Complete are a dream. Everything, if not all points are addressed as we require, which makes our life a lot easier and can get the cases through quicker. I just wanted to pass on my thanks to the team there, especially Sami & Olivia. A real team effort from you at ALL @ Complete!“
“Thank you so much, yes we need the break, but I must sincerely state that this week has seen the support from your team provide us with the ”peace of mind” on all of our outstanding cases to allow for us to go away with no concerns or worries, and we fully understand how busy everyone is and also how each case handler has a queue of files, so a huge thank you from Michelle and I.“
“Thanks Dean. Your fast assistance is excellent as always.“
“I just wanted to say what a pleasure it has been working with you all over the past 4+ years (Helen and Lucy in particular). You’re all assets to Complete FS and should be very proud of the quality service you all provide to Lenders and Brokers on a daily basis.“
“Absolutely loved the Festival at the Ageas Bowl – you should all be proud of yourselves for hosting such as worthwhile event.“
“Just wanted to let you know that Sean has done a brilliant job today in persuading Saffron to release the funds to the Solicitor. As brokers we are guilty of only expressing an opinion when things go wrong, so it is great to be able to express thanks when people go the “ extra mile” to deal with an issue. The Solicitors have also asked me to express their gratitude as their error had put the whole 8 person chain at risk.“
“Thank you for letting me know. It has been a seamless process and I will definitely be using Complete FS again.“
“Can you please thank you and your team for their persistence and patience with us and the Dudley on this case. Probably one of the most difficult and frustrating cases I have ever come across.“
“Claire did say that out of everybody she spoke to Bob was lovely, friendly & very approachable and nothing was too much trouble and when she asked him questions he didn’t make her feel stupid.“
“Helen, absolutely marvellous, thank you guys so so much. I am aware that it was not the easiest of cases, but you never let me down (as long as the case details are the truth from the client of course) but once again, your support on this case has been 100% and my business runs smoothly due to your actions and happy clients of course“
“Brilliant Sami, really impressed with your work on this case, you have offered a very prompt service always clear at every point. Please ensure moving forward on my residential cases that I only deal with you, speak to the powers that be ?? “
“I have to state that to date, we cannot fault the service in any way and without it we would most certainly be drowning with enquiries. Many other Packagers call us, but they never even get a chance to step inside the office, which clearly indicates we are more than satisfied with Complete “
“I just wanted to drop you an email to highlight and to thank Sean Latchem for his recent persistent help on this case. Without Seans dogged persistence the case wouldn’t have completed on time as long expected, so Angie, Fran and myself wanted to send across a thank you to ensure he gets the pat on the back he deserves. Fran and Angie tell me he’s a credit to the team at your place despite only being with you a short period… “
“I just wanted to thank you for your sterling efforts on this – I have found the service provided by Complete, and yourself in particular, to be outstanding. “
“I would like to say a massive thank you to you for your work with Vida, managing to get the full retention off shows me the value of you as a packager that you bring/have brought to this case. Brilliant effort, thank you so much! The other advisors here are impressed with this too. Very very efficient. “
“I would like to say how well Helen performed in a challenging case and she has been superb in her dealings with us. “
“I have completed the initial packaging on this application submitted to us by yourselves. This is just a quick email to say thank you for the application as it came through to us well packaged which certainly makes matters easier our end. We also struggled to get hold of the client for valuation fee payment but your team sorted this out for us within hours of notifying them. I look forward to processing your next one. “
“Fantastic, thank you so so much, you have been an absolute star with this case “
“I have just had confirmation to say that my 3 cases have completed, I just wanted to feedback how helpful Helen was as these were not the easiest to get through, please pass on my thanks. “
“I’m writing to congratulate and thank your team for service excellence with regard to a complex buy to let loan arranged with Kent Reliance which recently successfully completed. Despite various hurdles the support received and willingness of staff was second to none. I found this runs throughout from placement to completion and this was most welcome for a tricky case such as this. A big thank you for a great culture and team in your business which is great to see in today’s difficult btl market. “
“Boom! Once again Complete FS smacks it out of the park. Very happy client and broker. Please pass my thanks to Trudy, Sami and the Foundation underwriter. “
“Well done Sami. Many thanks for letting me know., all your time and help has been very much appreciated. “
“Lovely, many thanks Helen. David asked me to thank you for all your hard work as well as he appreciates this was not the most simple application in the world. “
“I just wanted to say how delighted I’ve been with your incredible service over the last week or so. Whenever you’ve said you’d be in touch you have and whenever you said you’d deal with something you have in a timely and efficient manner and have kept me informed all the way along. Many people would think this is just normal business practice but, having been involved in the mortgage business for quite a few years now, I can tell you it’s incredibly rare and I just wanted to thank you for your integrity (doing what you said you’d do when you said you’d do it). Fabulous stuff and I’m really hoping we’ll be able to proceed with this case with you and Complete. “
“I know you must get told this dozens of times but yesterday I had a deal blow out with a high street lender, I called Sarah on her Direct number, (wrong I know) anyway left a message, as always she called back. We spoke about the deal, sent over loads of info and she immediately got in touch with Laura the TML BDM. Anyway, irrespective whether or not this goes through just her whole positive ‘nothings- too- much –trouble’ attitude is totally engaging. So just wanted you to know she is so helpful, so knowledgeable and what a terrific ambassador for Complete. “
“In this day and age when we all find it easy to complain about the service we expect but do not receive, it is all too easy to let good service go without any thanks. I would like to put that right by letting you know that one of your staff, Stevie Mansfield, has just excelled in the service we received regarding a complicated mortgage case. My colleague and I have on a number of occasions had recourse to contact Stevie regarding the clients’ application and she has always been courteous, professional and very helpful even at times when we have probably driven her crazy. She has in my opinion given us a service over and above what we could ever have expected and I would like you to thank her on our behalf. We received an offer for our clients before they went on holiday which we did not think would happen and certainly would not have happened had Stevie not done her job to the highest standard. Please pass on our thanks. “
“Hi Stevie, just to let you know the client completed yesterday and she is over the moon with all our efforts, so just to say a BIG THANK YOU again for your hard work it was very much appreciated. We will have no hesitation in using Complete again in the future for any unusual cases. “
“Trudy, thank you so much for your assistance today. What a complete turnaround and a great result for our client. We really do appreciate it. “
“That’s fabulous news Emma – thank you, and thank you for a very efficient service. “
“A massive thank you to you all for your help in what has been a particularly stressful transaction! Emma – I do not think the deal would have exchanged if you had not worked so hard to get hold of Foundation Home Loans and stayed late last night to make sure everyone was kept in the loop. Thank you for all of your assistance. “
“Sami, that is fantastic, thanks so much for all your hard work on this case. I really appreciate it. “
“Thank you so very much for your help and support with this case Stevie. You have made a challenging, tough case so much easier with your support and guidance. “
“Just wanted to commend Stevie on a great job on getting 3 of our cases to offer, they were extremely awkward cases and she did a great job so only right to praise her. “
“Thank you for all your help this year Jo – we have had some truly nightmare cases and you have been brilliant throughout. Have a lovely Christmas and I look forward to keeping you busy next year! “
JS| Senior Mortgage Consultant – Blueberry Wealth Limited
“Once again, many thanks and a massive happy Christmas to all the team at CFS, the best packager in the UK by a country mile! “
Rob F – Positive Solutions
“I have to say with complete honesty that Dean and the team are exceptionally helpful and by a country mile or two they are the best packager team I deal with. “
“Tammy, I have really enjoyed everyone’s help from the ability to negotiate a fee that closed the business to your fantastic support.
Truthfully, I felt like you were on my side all the way “
JK Lighthouse Group
“Thanks Stevie, you’re a star “
“Hi jo that is great news. You are wonderful. “
“Oh I could kiss you guys, you never let me down………..
I have made contact with my clients, told them what I need, will meet them Monday to sign and hopefully collect all. “
Thank you very much for your hard work on this case.
The client is delighted!!! “
“Ah thank you Stevie. You’ve been absolutely amazing throughout this process and with other cases in the past that you’ve helped me with. You are very much appreciated by me 🙂 “
“Thanks for what you have done Jo, I know its stressful and intense at times but your help and support has been excellent, thanks for going the extra mile.”
“Your communication and response to emails/calls over the past year has been exceptional. Can’t thank you enough. I would like to send a special thank you to Tammy Chalk who has been my single point of contact and helps with every single query, chasing information and working hard to get this case completed before the deadlines given. “
Thanks for all your hard work, won’t hesitate to contact you regarding future business. “
“Stevie, can I say thanks for all of your hard work and good customer service, this wasn’t the easiest of cases and you handled it brilliantly. “
“I thought I would drop you a line to express my gratitude to Tammy Chalk with whom I have been dealing during a recent bridging transaction. Tammy was always keen to help and kept me fully informed throughout the whole process and I was impressed with her dedication and friendly approach. “
“Jo, That is some pretty impressive work on Completes part. To have that go to Kent and come out without anything else being needed is proper old school packaging. Good work. This client is a personal friend of mine and I was expecting to have to go back to him for some extra clarification. Genuinely impressed. Thank you so much. Thanks everyone. “
“Thanks so much for all your help Tammy, It makes a massive difference to have someone on your side and you have been amazing “
“Thank you Sarah, you are so fab and efficient, I have to say that I am so grateful for all of your help and sorry that I have been a bit of high maintenance.
Thank you once again.“
“Great news, appreciate your efforts on this one Stevie, glad the Michelle Peart case went though without a hitch.
“Stevie, just a short email to thank you for all of your help, support and assistance for my clients, Pamela and husband Paul Barrett on securing a mortgage offer. You have helped secure a great future for their family and they cannot thank you enough for the help and professionalism you have shown when dealing with their application.
Thanks again. “
“I would like to express my pleasure in few words in regards to the service quality I have constantly received from you. I have always appreciated the quick response that I get, and general way that you undertake your business is excellent. I don’t know what to say more but, you are simply the best.
Thanks again for all your efforts and excellent services. “
“I just thought I would drop you a line as the guys mentioned you had been in the office this week and asked about service. We have found Jo and Trudy’s service has been excellent, Jo really works hard to ensure we are kept updated and helps us out with urgent bits. Trudy is equally helpful and both myself and Kerry have nothing but words of praise for them. We are hard to please as well! Many thanks to you and the team. “
“It has been an absolute pleasure working with you all this year. Your service and professionalism is second to none. I have sent you many challenging and frustrating cases throughout the year but you have succeeded on every occasion.
I would like to wish you a Very Merry Christmas and a Happy New Year. My New Year’s resolution is to come and visit you personally in January. “
“Well not sure where to start, similar to my first case with Complete a guy who wanted a BTL who was a company director but his income moves up & down as he wants or needs cash from his business. He also has a small blip on his credit file, a fairly high BTL at £425k rentals didn’t stack up as I put £1,500 surveyor came up with £1100. We challenged this with help via the agent which wasn’t acceptable as he was linked to case so I had to research properties for sale & sold in the area to build a case. The surveyor took over a week to reassess the case then came back with £1600 happy days we thought, but the answer was still no and the lender wanted more bank statements, letters from accounts etc etc the list continues.
Most advisors or underwriters would have probably given up on the chance of gaining the loan after over 3 months, with a case file of 329 pages but not Helen as she tirelessly kept assisting me in what was needed to build the case file to acceptability and kept promising ”it would be ok”. Yesterday after the property looked like going back on the market over the weekend as the case could not be looked at by Precise until Monday & the agents had lost patience, Tony at Complete steps in & deals with the lender direct to ask a favour of the case being pulled because of the risk of losing the property & its offered within a few hours “
Mr A Fish
“Thank you Ann, Your assistance and service has been great. “
“I read you’d had a record month, so congratulations on that. Thank you to your team for all your help, they are really great to deal with. Just trying to get another difficult one over the line!“
“May I thank you and the team for another mortgage case very well administered from start to finish.“
“I was very impressed by the way Stephanie handled my enquiry. She must be a valued member of your team. I look forward to dealing with her again.“
“You are a star and thanks, big hug and thanks for being so patient and helpful.“
“I have to say, this case is probably one of the best I have ever seen in terms of packaging, so please can you pass my thanks to who-ever pulled this one together. It was a pleasure seeing all the various documents sorted (in date order too) and stapled together, with highlighted titles at the top of each bundle. It took me a fraction of the usual time to assess – so thank you again.“
“Many thanks for your email. It was such a relief to the client her waters broke last night!!“
“… I just wanted to thank you for your terrific work!“
“Just wanted you to know how helpful Sue Stocks has been. Its good to deal with some helpful staff in this industry.“
“Thank you for the update. I had the pleasure of telling Mrs XXXXX on the phone on Friday morning, to which she burst into tears of joy. Thank you, thank you soooooooooooooo mucccccccccccccchhhhhhhhh for your help to get this case through, it was a very special one for us all.“
“Tony, just wanted to say what a fantastic job Becky did with assisting us on the XXXXX Mortgage Case , we were right up against it, timescale wise, but just managed to produce the mortgage offer before completion due to the professional, knowledgeable approach she took with the case… much appreciated.“
“As Amy’s team leader I’d like to thank you both for doing so well getting this case to offer…“