Simplyadverse Reviews

My initial call I asked them to be honest what were our chances of getting a Mortgage Started off promising the world saying it s more than possible to sort a mortgage and affordability isn t an issue with my income Fantastic Then after getting our credit files I heard nothing a week later had to chase this up and now I m told affordability was a problem I didn t understand how as the Amount I was borrowing was very small I Was looking to borrow 62k house was 140k and I m earning 51k a year myself and only 5k debt Partner not working but in receipt of PIP this didn t add up to me why affordability was an issue Spoke to the branch manager who apologised said affordability was not an issue and that nothing had been done on my file in the week they had my case she seemed genuinely concerned and promised to get it sorted and a DIP would be done within the hour but she wanted to check my file so she didn t miss anything and give me any wrong advice Great Finally getting somewhere had DIP approved within 45 mins The next day I get a call I m told a mistake had happened the DIP was only in 1 name mine and not me and my partner as It needed to be The manager didn t realise there was a 2nd applicant This was despite the branch manager telling me she looked over my file carefully as she didn t want to get anything wrong or give wrong advice At the initial phone call I asked what rates I d be looking at to be told they didn t have a clue until a DIP was agreed I finally got the name of the lender they want to place me with look on their website and they charge 12 4 with a 5000 mortgage application fee Then it clicked This is why affordability was an issue as the lender charged such high rates but rather than be honest and explain this is why they didn t they kept it hidden so they could get me an offer and charge a fee I contacted simply adverse and explained there wouldn t be a chance of me paying this for them to say they can swap me in 6 months to a lower rate Not sure how that would have happened as the lender only did a 2 and 5 year fixed Again below hand tactics to try secure a deal My overall opinion is that the company provides a Circus performance from start to finish and clearly not advising clients of the mortgage fees until very last min which are past astronomical Would give it 0 if I could Avoid at all costs and find a broker who is honest and provides good advice upfront and who will put your best interests first I spoke to Another broker the next day who told me to sit tight for a few weeks and More lenders will come into the market at a MUCH better rate I feel I dodged a bullet with this one

Lazy Didn t even bother to look into it

We were rejected by 3 lenders due to proof of income and default issues I was really down one night and came across Doug and his team whilst browsing the website Doug was very nice and sympathetic to our situation and promised to look into our case With excitement we sent all our details to him and he confirmed that he may have found a lender for us As you can imagine he lifted our mood and gave us some hope However the horror came when he confirmed that although he has found a lender he was not able to disclose the name of the lender but instead sent us an excel table with the details of the offer As we were buying a large property he wanted equivalent of 2 of the property value - yes do the maths for his fees and to add salt to injury he found us a lender with the highest interest rate at the time of low interest rates who would tie us in for a long term The cheek is that most mortgage adviser charge less than 100 and take the rest of their fees from lenders But Simply Adverse wanted both sides and as we were vulnerable they thought we were a good quick buck for them My advise is that i fell for all the positive comments like everyone else here but what you don t notice is that sometimes when people have bad experience they just walk away instead of sharing and warning others with their story If you are desperate and prepared to pay extortionate fee and a bad deal then this company is for you We have decided to reject their offer

Mortgage in principle offered after viewing the property simply Adverse withdraw the mortgage in principle on grounds they should have covered beforehand This was upsetting because I was told it was all good the broker was very cold and unsympathetic to letting me down even putting some blame on me I was eventually given this option and I quoteHi Rory It doesn t work that way unfortuanly You will either need to get a relocation with the NHS up in Liverpool or you need to find a property closer to your place of work I didn t plan on leaving my job so if I wanted the house I veiwed I would have to relocate Not very helpful if before hand they asked a bit more about why and how I was going to use this mortgage this could have all been avoided and I wouldn t have gone to the lengths I had Which included traveling to a property putting an offer in for a property agreeing with estate agents and making agreements speaking with family members about moving Alot of efforts made and hopes where high All which was undone and let down A very upsetting and costly experience

Claimed to deliver the world and I am sure for some borderline credit risks they are very good Could only be bothered to apply to one lender Knocked back and that was the end of that

Not at all helpful I asked questions that weren t answered and correspondence seemed short sharp and rushed Feel like I ve been given up on Now I don t know where to turn as I received no actual advice despite making my desperation clear

Wouldn t bother going with this firm as they are not as good as made out Been dealing with Loreta for 4 months and I ve been continually told that they will get my remortgage sorted I have a good income and don t have defaults or CCJs yet still told to come back and try again later Will go elsewhere

I would give no stars if that was an option the service is absolutely dire After all the initial chat and collecting the required information which was very prompt they went silent and do not come back with you with any information When I asked if they need anything more they say no they are still working on it These excuses is all I got and no other communication from them at all after over a month of waiting Complete waste of time

Rude and Unprofessional Took my details down and then said they would get back to me Didn t hear from them for over a week by which point I d already dealt with someone else at another company Explained the situation to them and there were some very rude responses Don t believe the hype much better alternatives that don t have the positive reviews on trust pilot Avoid this company at all costs they will waste your valuable time and the service is horrendous

Said mortgage would be ok gave us a really attractive interedt rste so we stopped shopping around got a decision in principle emailed we went househubting found an awesome house Can t get a mortgage after all For reasons stated up front Turns out they don t deal with every lender because the broker we are using now can get the mortgage worseinterest rate obviously but lower broker fee