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What our customers say
Call us now for free advice on 0800 180 4004
“I've already recommended Credence and have the confidence that they will be there for me whenever I need them in the future.”
Adele Macintosh, (Fishguard)
What our customers say
‘It was at a moment when I was profoundly distressed that I picked up a message from the Credence Mortgage Consultant. Following the breakdown of my marriage, I was desperate to try and re-mortgage my property and transfer it into my own name.
‘I had been promised by my existing Lender that this would be possible, albeit likely that I would need to have my brother on the mortgage with me. After a couple of lengthy interviews with my Building Society, I was staggered to learn that it would not be possible after all, as my earnings were insufficient and my brother could not be considered as a party to the mortgage.
‘Returning the call to my Credence consultant was the turning point. She was a life-saver, explaining every aspect of the re-mortgage and assuring me that due to her ‘independent status’ she would be able to place my mortgage with any number of mainstream lenders.
‘Everything went through swiftly and smoothly and I cannot tell you the relief I felt. My children and I are able to stay in our home and I am assured of regular reviews with my consultant. I wouldn’t hesitate to recommend Credence to anyone.’
Susan Davies, Sollihull
‘My partner and I found ourselves in a one-bedroom council flat for seven years following the birth of our daughter. Furthermore, we had incurred several debts over that time and, although we had always made the required payments at the right time, we could never see ourselves getting out of debt and being in a position to consider home ownership.
‘From the minute we spoke to Credence, we were staggered to find that not only was it likely that we would qualify for a mortgage, but that we could also incorporate our debts into the lending.
‘The consultant was super, assuring us that everything would be fine and keeping us informed throughout the process. Having her visit us in our own home meant a great deal to us too.
‘When the mortgage completed, we moved from our one-bedroomed flat into a four-bedroom, semi-detached house, consolidated all our debts, and now pay out less each month than we did before we found Credence!
‘Making that enquiry was the best thing we have ever done, and we wouldn’t hesitate in recommending Credence to any of our friends and family.’
Mr Beauchamp and Miss Hanks, Reddich
‘My wife and I came across Credence Mortgages through a friend, and we were very interested in investing in the buy-to-let market. We didn’t have a clue how to go about it and were very nervous to begin with.
‘Our adviser spent a lot of time with us explaining the whole process. He helped us to understand the real benefits of investing in property, the costs involved and the price at which we could start to look for properties.
‘Credence has helped us to purchase our first investment property and we are now on the look out for more. We are even £50 better off per month than we were before we bought this property!’
Mr & Mrs Powell, Neath
‘Credence was recommended to me by a colleague and, at the time, I didn’t think they would ever be able to help me. I’m self-employed and cannot prove my income. I had a fantastic opportunity to purchase my first property for less than the market price and had no idea how to go about doing it.
‘I must say, Credence were excellent and showed me the way to finance the purchase, which enabled me to get my foot on the ladder at last. They were so professional and took care of everything for me, even down to recommending a good solicitor.
‘I will definitely use Credence again and will recommend them to anyone.’
Kevin Harris, Neath
‘We came across Credence through the Moneysupermarket website three and a half years ago, and were looking to re-mortgage one of our buy-to-let investment properties. We had already looked around and done some research ourselves but we wanted to build up a relationship with someone that would look after all our mortgages for us.
‘Credence has done that! They’ve helped us reduce payments on our existing mortgage, helped us buy more investment properties, and are currently helping us with a renovation. Their expertise is invaluable and has helped us gain the confidence we need to go on to bigger and better things.
‘We have already recommended Credence and will definitely do so again in the future.’
Mr and Mrs Thomas, Swansea.
‘I was introduced to Credence as I was looking for a re-mortgage on my home and didn’t know where to start. My wife and I were guided through all the options and, for the first time ever since we’d had a mortgage, we had a plan for our future. With their expert guidance, Credence helped us find our first investment property.
‘I am a partner of a well known solicitor’s practice in Swansea, and have been so impressed by the level of advice, service and professionalism shown by Credence Mortgages that I have asked them to help our many clients who need mortgage advice.’
Richard Singh, Swansea
‘We needed advice on the best options for our student property, so we searched the Internet and found Credence Mortgages. At first we were just thinking about re-mortgaging to bring our monthly payments down, but in our first conversation with Credence, we were asked if we’d thought about buying more property. Our first reaction was that we didn’t think we could afford it.
‘Credence showed us how we could re-structure the existing finance in order to release some of the equity to buy more properties and still reduce the monthly payments. We went straight out and bought two more student properties in Swansea and haven’t looked back since. Credence has since helped us to re-mortgage our own home and we’re happy to say we can call Credence Mortgages our "Finance" partners.’
Mark and Rhian B., Swansea
‘Credence has been brilliant! My consultant managed to find a mortgage that suited my personal circumstances at a time when I was unsure whether I would be able to afford my own home. It meant a great deal to me to be able to concentrate on other things whilst they progressed the application and kept me informed of progress.
‘I have the comfort of knowing that when the end of the fixed period of my mortgage approaches, Credence will be there to help me make another informed decision.
‘I would - and have - recommended Credence Mortgages!
Sandra Peebles, Chepstow
‘Credence mortgages took the time to find out our requirements and make us aware of all the additional possibilities before securing the best option for us in terms of flexibility and cost. We have been very impressed with the dedication and professionalism of our personal consultant, with out-of-hours home visits no problem. We feel happy that our mortgage requirements will be kept under review to maintain the best arrangements as time goes forwards. Thank you Credence.’
Keith and Alison Agnew, Cwmbran
‘The advice, support and service provided by Credence Mortgages has been invaluable. My consultant was superb.
‘I expected a maze of red tape and financial jargon in my recent house purchase and re-mortgage, but they took away all of the headaches and removed all the potential pitfalls. Everything was completed very quickly and nothing was too much trouble. A big thank you to my consultant and to Credence Mortgages.’
Eunice Taylor, Newport
‘I contacted Credence through Yellow Pages and I was very nervous because I didn’t understand very much about mortgages. I had already sold my house and wanted to buy a new barn conversion. I wasn’t sure at all about how to get a mortgage, as I couldn’t prove my income because I was self-employed.
‘The consultant was fantastic; she explained all my options thoroughly and helped me secure a really good fixed rate mortgage. She was always on the end of the phone and reassured us all the time.
‘In the end, my solicitor hadn’t done what he was supposed to do and it didn’t look like I was going to be able to complete, but my consultant told me not to worry and took control of everything for us.
‘I’ve already recommended Credence and have the confidence that they will be there for me whenever I need them in the future.’
Adele Macintosh, Fishguard
‘Credence was recommended to me by a work mate. I’d been in an accident and off work for three years and we were in a considerable amount of debt. My wife and I had used a debt management company to help us, but all of our income was going to them and very little of it was being paid off our debts. We didn’t know how to get ourselves out of the mess we were in.
‘When the consultant from Credence came to see us, she was very understanding and explained that we could re-mortgage our house, release some money to repay all the debts, and negotiate with our creditors to reduce the amount we would have to pay them. She helped us every step of the way, advising us on how to handle the debt management company as well.
‘We followed her advice and haven’t looked back. We now have money left over from our income, and we’re able to enjoy ourselves at last. We’re free for the first time in years. They literally saved our lives.’
Adrian Lowe, Ferndale
‘When I was first recommended to Credence, I was concerned about how I was going to repay my mortgage because my endowment was forecasting a shortfall. I’m a single mum and money is really tight, and I had no idea how I was going to raise extra money each month to pay off my mortgage at the end of the term.
‘When I met the consultant from Credence, she understood my situation and told me I was in a really strong position to think about using my equity to purchase another property for investment. I’d never really thought about this before and, although I was very nervous about it, I followed her advice.
‘We had a lot of meetings and I did my "homework" as she advised. About six months later, I bought my first investment property which I now rent to students. Although it’s been very scary, Credence has taught me how to do it safely. The property is my investment for the future and also provides me with a small surplus income each month.
‘I’m so happy with how Credence has helped me that I’ve recommended them to my friends.’
Louise Thomas, Cardiff
‘I was an experienced landlord and had a number of investment properties before I was introduced to Credence. Over the years I had used a number of different mortgage brokers and, although they arranged mortgages for me, the service was never really up to much.
‘With Credence it was very different. Right from the start their whole approach was very professional. The advice they gave me meant that, instead of purchasing another two properties which I was planning to do, I ended up buying three, and the service was superb.
‘They managed the whole process for me, and ever since then have kept me regularly up-to-date with market and interest rate changes, even suggesting when the time was right to switch my residential mortgage, as I was paying more interest than I needed to. As a busy executive in the daytime, and a property owner and landlord, I found this incredibly helpful.
‘I have recommended Credence to many friends and colleagues of mine and they all say the same thing: they’re great!’
Wayne Evans, Cardiff