I can’t recommend Lakes Mortgages enough! Absolutely amazing from start to finish! Phil & Nicola’s customer service, understanding & professionalism were exceptional. I thought the remortgaging process was going to be a very daunting & stressful experience, especially navigating it on my own, but Phil put me at ease straightaway. He went above & beyond to thoroughly explain everything to me. His communication & promptness were second to none, at not just our face to face appointment, but also through phone calls, video calls & emails whenever I needed anything at all. Nicola’s communication skills were also excellent. She sent regular, prompt emails to inform me of the progress being made and to request any further information needed. If I had any query at all Nicola replied very quickly to advise me, which was very reassuring. Nothing was too much trouble for Phil & Nicola, which ensured that everything went smoothly & efficiently. Thank you so much to you both & all the best for the future. Less

Lakes Mortgages did a fantastic job from day one. In the early stages Phil took the time to arrange evening meetings to talk us through our options for a mortgage based on our requirements and offered advice based on the current economic situation. He found a mortgage which suited our finances and situation and gave us the opportunity to consider options without being pressured into something. Nicola was very helpful explaining the steps throughout the process and talking us through any paperwork queries. When we were faced with complications and delays with our chain, Nicola was excellent at arranging extensions and putting our mind at ease. All in all, we are very happy we chose Lakes Mortgages and would definately use again. Less

The team at Lakes Mortgages were outstanding. Phil secured us a great mortgage at a challenging time for our first house purchase, and we could not be happier with the services provided. Less

Lakes Mortgages prides itself on top-notch customer service. They walk clients through the mortgage process, ensuring they understand all aspects of their loan. They provide excellent customer service with efficient processes, so it’s no surprise that many customers have had positive experiences with them. If you're in the market for a mortgage, Lakes Mortgages is worth considering. Thanks Phil & Nicola!! Less

Phil and his team at lake’s mortgages provided a great service in helping me purchase my first property. They helped make it an easy and stress free process. I have already recommended them to friends and carry on to do so in the future. Less

Nicola and Phil did an amazing job, I came to them a bit late in the day, as I had to bail on a previous advisor for lack of communication, and they went above and beyond to keep things on track and meet my deadline. They provided an excellent and friendly service, kept me informed and chased the process thorough. I would highly recommend them to anyone. Less

Phil and his team, enabled us to feel confident about our finances and mortgage in amongst a cost of living crisis and increased interest rises. Would wholeheartedly recommend Lakes Mortgages Less

During our remortgage process, Nicola and Phil provided again an outstanding professional service and were very helpful throughout. Many thanks John & Andrea. We highly recommend Lakes Mortgages. Less

Brilliant service from start to finish from both Phil and Nicola. Ensured I got the best mortgage I could for my shared ownership property. Thank you for everything! :) Less

Huge Thankyou so Phil and Nicola at Lakes Mortgages! Our journey to buying our first home hasn’t been an easy ride but we have had constant help and support from them and finally got there in the end! We will be forever thankful. I especially couldn’t have gone through this experience without Nicola, she was always there for questions and updates, as well as helping ease my anxiety with the process. Honestly I couldn’t thank her enough for her help! Less

We’d like to give a big thank you to Nicola & Phil at Lakes mortgages. Their service from start to finish was flawless. They both put us at ease at what was a very stressful time, we got there in the end, hooray! Special thanks to Nicola for going out of her way on weekends/late nights to keep us updated every step of the way. Nothing was too much trouble for Nicola & Phil. Without a doubt the best of the best! ⭐️⭐️⭐️⭐️⭐️ Less

I personally cant thank Nicola and Phil enough for how much they have done for me and helped over the past few years even through my hard times suffering with my mental health they were amazing thankyou lakes mortgages Less

We recently used Lakes Mortgages to support us with buying a new house. The team gave great advice, and were brilliant at chasing the mortgage provider for us. They really took the stress out of the process and supported us through every step. Would highly recommend! Less

If I could give more than 5 stars I would! Amazing service throughout the whole process. Phil and Nicola are wonderful. Very professional and stress free. I would always recommend Lakes Mortgages. I am a very happy customer. Less

Phil at Lakes Mortgages came highly recommended and I can't thank Phil and the team enough. Efficient, professional and took the stress out of it all with their personal and friendly, supportive approach. Highly recommended 👌 Less

A very professional, no nonsense business with a great ''can do'' attitude. Phil, Nicola and team were tremendously helpful and very competent in securing our mortgage. I can highly recommend. Less

Very professional service many thanks to Phil Nicola and Sarah any queries where dealt with swiftly made the process easy with there communication and willingness to sort everything would highly recommend thanks again Less

I couldn't recommend Lakeland enough! Phil & Nicola are a really great team. They are professional, knowledgeable and very approachable. From finding me the best mortgage, to dealing with my transfer of equity, from start to finish they have been brilliant. Especially Nicola who has been amazing!! She is clearly very experienced, and also a pleasure to speak to. Nothing is too much trouble, and she was always there to answer any questions or concerns... and believe me, there have been plenty! I'm very grateful for all her help. Just wish she was available for life coaching too! Thank you Phil & Nicola for everything 🙏 Sarah Less

We are first time buyers and struggled to get a mortgage but Lakes Mortgage helped in every possible way to get the best possible deal for ourselves. Superb service from start to finish. Always on hand to answer any questions day or night. Every staged was discussed and backed up via email. Finally we would highly recommend Lakes Mortgages to anyone! Less

Fantastic service received from Lakes Mortgages with a big thanks to Phil & Nicola. Having used them on two separate occasions over the last 10 months, I found them to be excellent at communicating from start to finish, extremely professional and always on hand to answer any queries. Highly recommend! Less

An amazing experience with Lakes Mortages, from start to finish all of the team has been very helpful. What we initially thought was going to be a very stressful process it has been made much easier thanks to the team. Being first time buyers we were unsure where to start and had a lot of questions, all of these were replied to super quickly and we have received great support and guidance throughout the process. Thank you all. Would highly recommend! Less

I would like to Thank Lakes Mortgages for helping us to purchase our property. Luckily for us the whole process was simplified with the help of Phil and Nicola who kept us up to speed on everything. Thanks again to you both. Less

I just wanted to start by saying a big thank you to Lakes Mortgage’s Phil and especially Nicola for all your help and support over these last few months. We did realise from the get go that my re-mortgage was never going to be straight forward because of the circumstances from my past, but that did not phase Phil or Nicola in the slightest, they set out to work on my re-mortgage and offered me guidance and reassurance throughout the whole process. The customer service you offer to people is absolutely amazing very professional and you go up and beyond to help your clients. I would definitely recommend anyone looking for a re-mortgage to contact Lakes Mortgage’s, you will definitely not be disappointed with the professional service. Less

Lakes Mortgages have been fantastic with us buying our first house, explaining everything in detail of everything involved, the quick response times. It's been a long 6month be we got there in the end. Thank you Nicole & Philip Less

As always, very professional and helpful, nothing to much trouble. Tip Top service accessing the best Mortgage deals. Thanks very much for all your help and guidance 👍 John and Deb Bouskill. Less

Phil & Nicola have been absolutely amazing getting our first mortgage, their advice, help and constant guidance through the whole process has been incredible, they made what we thought was impossible, possible! Less

I cannot recommend this company enough! Helpful from start to finish! Phil met with us to sort our mortgage deal out and guided us through the whole thing, we had very little to do other than sign things and send documents so it was nice and easy! Nicola then helps through the admin side. She is very helpful, even more so for someone like me who isn't the most organised! She is precise, helpful and communicates well. If anybody wants a mortgage deal or to remortgage then these are the people to see! They even contact you prior to your fixed term coming to an end so they can secure the best deals! They reduced the stress for us too which is great because things like moving home/mortgaging a house can be stressful! Big thank you to this company and those involved! Less

Absolutely outstanding service from Lakes Mortgages! I had to remortgage during a really stressful period for me, while the rates kept going up. I felt so reassured throughout the process thanks to Nicola, who provided outstanding support and guidance, and was on the top of everything. She always kept me informed about everything, replied to emails quickly and was always available via phone for any questions. I would highly recommend Lakes mortgages and will definitely be using them again in the future. Less

The team here were amazing from start to finish. I have to say a huge thank you to Nicola for all your support and guidance throughout the process. I would highly recommend Lakes mortgages and will definitely be using them again in the future. Less

Absolutely fantastic service from Lakes Mortgages. I initially contacted them to help me with my first solo purchase of a property. I made it quite clear that I hadn't a clue what to do & where to start but everyone in the Team made me feel welcome & explained thoroughly exactly what I needed to do. From the initial contact with Amy, the meeting with her & Phil to the constant emails to & fro to Nicola, they couldn't have been more helpful. Each stage of the process was handled efficiently & professionally by the team & I was kept informed all the way through until the date of completion. I would highly recommend Lakes Mortgages to anyone looking for a professional, reliable, honest company to take care of their purchase. Less

Phil, Nicola and the rest of the team at Lakes mortgages have been amazing! I couldn’t fault them in their quality of work. I would recommend them to anyone who is need of a mortgage. Less

Phil and Nicola provide a first class service, with their customer care, follow up and pro active approach. They always secure the most cost effective mortgages and have helped us save a lot of money over the years. We thoroughly recommend them. Less

This is the 3rd time I have used Lakes Mortgages and had outstanding service every time. Each time my circumstances have tested Phil! But his expertise and knowledge has made it possible for me to remortgage and made such a difference to my life. Thank you Phil and Nicola . Til the next time !! xx Less

In the midst of a tumultuous mortgage market (end of Sept 2022), Phil at Lakes Mortgages secured a new mortgage for us at a competitive rate extremely quickly, efficiently and without any glitches. While we were panicking at the need to secure a new fixed rate before further interest hikes came in or products were withdrawn, the real value of the service was in Phil's calming steer: "don't worry, you're in safe hands". We were. And he delivered. Can't recommend highly enough. Less

Lakes Mortgages achieve the perfect balance: As ever in our experience Phil has just given us excellent advice and Nicola the all-important administrative back-up to enable our financial needs. They always respond at once and facilitate the whole process - thank you both again. Less

Absolutely outstanding service by Nicola & Phil. A genuine care for their clients. I felt informed through the whole process. Nicola is the expert in her dealings and management of the solicitors and banks they liaise with. True professionals in their field. Less

Have used lakes mortgages 3 times and can highly recommend this service so friendly profesional nothing is too much trouble keep you updated all the way and help whenever needed email phone if you need a mortgage broker look no further. Less

Fantastic service. Great communication to assess needs and wishes. Clear understandable advice to make informed decisions. Admin matters dealt with swiftly with great updates on case progression right up until completion. Highly recommended. Less

I've been using Lakes mortgage over 8 years now. Phil and his team are fantastic from start to finish. You always know where you are in the process. Would thoroughly recommend and will certainly be using them again next time I require a mortgage. Less

Absolutely outstanding from initial video call from Phil,all the way through the admin stages,our calls to the office,and the paperwork, the team did everything we asked,credit where credit is due,a fantastic experience,have, and will continue to recommend Lakes Mortgages when and wherever we are asked Less

Phil and Nicola have been brilliant steering us through the somewhat confusing aspects of a lifetime mortgage. Their patience and professionalism has been first class and it's obvious they have the customers' best interests at heart. We would have no hesitation in recommending them. Less

Thank you Phil for finding me a mortgage that fitted all my criteria, and thank you Nicola for keeping on top of the whole long-drawn-out process! Best wishes Less

Thank you Phil and Amy for sorting our re mortgage so quickly and professionally. Phil was always on hand to give advice and answer any questions we had. They both made the process hassle free and got us a great deal. We will definitely use Lakes mortgages again and recommend them to anyone looking for a relialable and friendly service. Thanks again! Less

Fantastic 5 star service from Phil and his team! Friendly, welcoming and approachable. They sorted our mortgage very quickly and professionally to get the best deal for our family. Someone was always on the other end of the phone whatever time to answer all of our questions...no question too small! Definitely recommend using Lakes Mortgages. Less

AMAZING SERVICE from Phil and Nicole at lake mortgages! It wasn't an easy task but Phil and Nicole did an excellent job on my remortgage and kept me updated the whole time and kept my mind ease the whole time. Less

This was the 3rd time I have used Phil Bovis and the lakes mortgages team. I cant recommend them enough, and have already put numerous friends and family onto them. They are very professional and friendly, nothing is problem for them and they help every step of the way. They always make sure you are aware of every step and at what stage you are at. Excellent service Highley recommended Less

I've used Lakes Mortgages twice in the last 4 years for my remortgages and even though it can be stressful Phil and Nicola make the whole experience as easy as possible, with great communication and knowledge to make things run smoothly I highly recommend and I will be using Lakes Mortgages in another 2 years when I'll be due renew again. Thanks again Steve and Abby Less

Phil and the team helped me gain a mortgage when I had struggled by going direct to the bank! Couldn’t recommend them highly enough. Replied to emails quickly and always available via phone for any questions I had and kept me updated throughout the application process.. Brilliant service!! Less

Great service from start to finish. 2nd time time of using Lakes mortgages and everything is explained easily and all taken care off. Got mortgage deals both times at good prices. Would highly recommend Less

Just completed our remortgage with Nicola and Phil. Have used Phil for many years now and the service is always amazing, would not use anyone else. Highly recommend 😊 Less

A huge thank you once again to all the team at Lakes Mortgages. We are repeat customers and have utilised their skills for many years. We highly recommend to anyone. The personal and professional service is amazing. The fast and clear communications are always a blessing. I only wish everyone conducted themselves in the same manner. 10 out of 10 every time!! Less

This is our third time using Lakes Mortgages. Phil and Nicola have been absolutely brilliant. We will definitely continue to use Lakes Mortgages for our future remortgages. Thank you Phil and Nicola! Less

Absolute great service from Lake Mortgages. Had an email from Phil reminding me that my fixed mortgage was due to expire in 3 months. After a short meeting and a few forms to sign, which Nicola assisted me with over the phone, I must admit I completely forgot about it all. Today, I've just received an email saying my new fixed mortgage has been completed and a nice cashback sum in my bank account. A complete stress free service and a very happy customer. Five stars. Thank you Phil and Nicola. Less

Our experience with Lakes Mortgages was second to none. This company's service was outstanding. Everything they said they would do they did and more! We couldn't ask for better communication they were always checking in on us and doing all the chasing on updates. Regarding Mortgage, life insurance and they also got us an extension on our mortgage rate which allowed us to keep our exceptional rate whilst the rate sky rocketed! We would 100% recommend this company to anyone and will definitely be using them in the future. The staff are really polite and friendly and well mannered just generally nice people which want the best for their customers. Myself and my partner cannot thank Phil and Nicola enough for what they did for us we really appreciate everything. Thank you, Aaron and Simone Less

Lakes Mortgages really are the experts in searching the ‘Whole of Market’ to find the right deal. We were previously let down by a different mortgage broker when we were recommend to try Phil & Nicola. Their service is outstanding and I wouldn’t hesitate in recommending them to anybody. We will certainly be using their services again in the future. Many Thanks Adam & Rebecca Less

Nicola and Phil were really helpful in guiding us through getting our first mortgage. They answered all of our questions promptly and we will definitely be using their services again in the future. Thanks for all your help, Emily & George. Less

Having spent too many yrs renting I had just about given up hope of being able to buy somewhere I really wanted to live, but with help from the team at Lakes Mortgages I have at last been able to do so. Phil was easy to deal with and quite quickly came back to me with a mortgage that suits my needs. I would say using their service is to be recommended if like me you are finding it hard or confusing trying to navigate your way though the process. Less

Phil and Nicola were both great in helping me get my first home and mortgage! It was a very straight forward process and it felt almost stress free, thank you both! Less

The service recieved was fantastic and kept me informed throughout the process of my remortgage and were always available to answer any questions I had. Less

Nicola and Phil were very professional from start to finish. I always dread remortage time, but I thibk I have now found a company that have my best interests at heart. Won't ever be a problem re-mortaging again. Less

From application to completion Lakes Mortgages have been fantastic! Providing a professional and friendly service throughout what could have been a stressful process. Even after I threw in some challenges they were able to use their expertise and rise to the occasion by offering alternative solutions to get us the best mortgage deal. Thank you Phil and Nicola for all your support and patience Less

Just wanted to say THANK YOU...These guys are amazing, to arrange a mortgage during Lockdown and support our application as they have done through a difficult process has been outstanding. Nicola is a star! she's supported us throughout with a professional and friendly attitude, I have to say there is no way I could have done this without the support and knowledge they have. will be back when we come to re-mortgage! Less

Absolutely fantastic service throughout what was a long and protracted mortgage process. Had it not been for Nicola we may have thrown in the towel on the entire process. We were guided through every issue that arose and with Nicolas expertise and professionalism we finally reached the end of the tunnel! Buying a house is one of the most stressful things you can do, but with the Lakes team behind us it was made so much more bearable. We can’t thank them enough! Less

Phill and Nicola were extremely helpful and were there for every step of the way. I could not recommend them enough! Thank you very much both for helping us to get our dream home. Less

We have been using Lakes Mortgages for years now for our remortgage review and Phil always gets us an excellent deal. Phil and Nicola are great at communicating and making the process as smooth as possible with regular communication and guidance. Thanks very much! Less

Easy to deal with this no fuss company. Mostly on line and a pleasure to deal with Laura and Nicola and also Phil. Very polite and professional service. Would recommend highly. Less

Excellent service as always from Phil and Nicola. Made moving home effortless for us from start to finish. Nothing was ever too much trouble. Highest service carried out in a professional manner, would never look anywhere else for help with our mortgage Less

Thank you again to Phil and Nicola for providing the upmost professional service during our remortgage process again. Always there to answer any questions and make it just that bit easier! Would highly recommend to anyone to use their services. Regards John & Andrea Barker. Less

Absolutely fantastic service! Phil and Nicola were great in supporting us during our remortgage. They have an extensive knowledge of the industry and made the process stress free for us. We were provided with routine communications throughout the process. I wouldn’t use anyone else in future and would highly recommend Lakes Mortgages to anyone looking for mortgage advice. Thanks guys! Ben & Anna. Less

Thank you Phil and Nicola for all your help with the Equity Release, your guidance and patience was very much appreciated. We would certainly recommend Lakes Mortgages Ltd. Less

Phil and Nicola have been absolutely amazing throughout my remortgage process, and have been so helpful and patient. If I had any queries, they were quick to offer support and squash any concerns. I have been with Phil for over ten years, since my very first mortgage and this is the 6th time I have dealt with him. Such a gent. See you both again in another 2 years. Kindest regards, Becca Less

Lake’s mortgages made a stressful time much easier to deal with, extremely helpful staff able to answer all of our concerns quickly. Our experience with lakes mortgages was probably one of the smoothest parts of our house move, and we would highly recommend there services. 👍 Less

I can’t recommend Phil and Nicola enough at lakes mortgages, they have been so helpful with me and my husband on a new purchase and a re-mortgage. No question is too big or too small, they are so helpful we wouldn’t of been able to do this process with them. Less

Lakes Mortgages have looked after me and my wife properties since the day we purchased our houses. Each renewal has Been seamless and they do all the running around for you, finding you the best deal (So far the cost has stayed the same but they have managed to reduce the term EVERY time) the staff is so friendly and always on hand if you have a question but to be honest they do all the work for you. I can't recommend these highly enough. Less

This is our second time using Lakes Mortgages for our remortgage. On both occasions Phil and Nicola have been absolutely brilliant. Phil’s knowledge of the mortgage market and his connections, mean he can alway find you a great deal. We will definitely be using Lakes Mortgages for our future remortgages. Thank you Phil and Nicola for making the whole process a simple as possible from start to finish. Less

I've moved house a few times in the past - and these guys are a completely different level of service - Nicola's kept in touch on absolutely everything, so quickly, and answers within 5 minutes rather than days! Phil got me a really good deal, with minimum fuss Less

I decided to remortgage my house for the first time and didn't have a clue what to do. My friend put me onto to Phil at Lakes Mortgages and he was brilliant from the first phone call. We then had a meeting over zoom and he told me everything in simple term(which helped me massively) and told what would happen next. From then Nicola has been there to help me with everything from making sure I've signed everything to keeping me calm when my surveyor cancelled on me because he was on the sick. Remortgaging my house helped me and my family financially and I can't thank Phil and Nicola enough. I would highly recommend these to everyone. I will defiantly be using them every time my mortgage is ready for renewal. Less

Lakes mortgages were very professional, Phil and Nicola were really helpful particularly for us being first time buyers. They were there for every step of the process and always willing to answer any questions. We could not recommend them enough for anybody looking for a mortgage advisor! Massive thank you to Phil and Nicola. Less

Fantastic, professional service. A friend of mine reccomended we used lakes Mortgages and we were delighted with the outcome, they made the whole process stress free and seamless Less

Lakes Mortgages have been outstanding so far in their service. I am a first time buyer, so the whole process has been new and could have been really daunting, however Phil and Nicola have been really patient and talked me through every step of the process. They've sorted everything for me so I have not had to worry or stress about anything, which has been invaluable! Communication has been great and I've felt entirely in safe hands. Thank you, Lakes Mortgages! Less

Where to start !! Phil and Nicola are fantastic , nothing is ever too much for them . They looked endlessly to find us the best mortgage to suit our needs , nothing was ever a issue . They are always very professional but also extremely friendly and approachable. We would strongly recommend to anyone ,and would use again in the future.. Less