Mortgage Bazaar Arvostelua 21

If you want someone reliable, honest, responsive, transparent, and highly knowledgeable – an all-in-one solution – choose Nikhil from Mortgage Bazar.

I have just moved into my new home, so I wanted to write this review before it slipped my mind. I came across Nikhil’s number while searching online, and as a first-time buyer with absolutely no experience, I didn’t know where to start.

From our very first call, Nikhil explained everything clearly, in simple language, and fully based on my circumstances and requirements. He was completely transparent and talked me through the entire process in detail. I am generally someone who does not trust easily, so after the first conversation I spoke to several other advisors over the next ten days, including well-known brands. Even after comparing all of them, I chose to go ahead with Nikhil – and I am genuinely glad I did.

Nikhil guided me through every step. He secured a 95% mortgage with a good interest rate and presented all possible options available in the market. After obtaining the DIP, he also arranged a solicitor who offered one of the most competitive fees and provided excellent service.

Once the mortgage offer was confirmed, we had a couple of meetings where he explained all the options available for mortgage protection in a clear and detailed manner. While the conveyancer was progressing with their work, he even arranged a RICS Level 2 surveyor, who did an outstanding job and provided a thorough property report.

In the end, I can say that Nikhil is truly a one-man army – a complete solution for all your needs. I feel lucky to have connected with him because my entire journey as a first-time buyer was smooth, informed, and stress-free.

Services he supported me with:
• Mortgage
• Mortgage protection (insurance)
• Buildings and contents cover
• Conveyancing (solicitor referral)
• Level 2 property survey (surveyor referral)

I would highly recommend Nikhil from Mortgage Bazar to anyone looking for trustworthy and expert guidance throughout the home-buying process.

We used Mortgage Bazaar for our remortgage and Nikhil was very helpful and knowledgeable. With his help we were able to secure good rates and it was a very smooth process and he quoted us reasonably for it.
Would definitely recommend his service

Nikhil Bhatia helped me throughout the process and helped me get a good deal and provided valuable advise throughout the process.

From start to finish, the support and guidance I received were second to none.
I was particularly impressed by their unfailing reliability. Nikhil was always available to clarify the details, kept me updated at every turn, and made a complex process feel incredibly straightforward.
If you’re looking for a professional who is dependable, proactive, and truly cares about getting the best result for their clients, I cannot recommend mortgage Bazaar highly enough.

We were introduced to Nikhil at a time when our mortgage renewals were fast approaching and we were just days away from going on holiday. It was our first time working with him, and we had 2 mortgages to sort out, so naturally we were a bit concerned about whether everything could be completed in time.

From the very first conversation, Nikhil was incredibly reassuring and efficient. He quickly assessed our situation, presented a range of options from different lenders, and clearly explained the pros and cons of each. His advice was practical and tailored to our needs, which made decision-making much easier.

What impressed us most was how smoothly he managed the entire process. Even while we were away, he kept us regularly updated and handled all the coordination behind the scenes, allowing us to relax without worrying about deadlines. Despite the tight timelines, he secured excellent rates across all our mortgages.

Although it was our first time using his services, the experience gave us complete confidence in his expertise. Nikhil is professional, approachable, and genuinely committed to his clients. He is absolutely worth every penny, and we wouldn’t hesitate to recommend him to anyone looking for reliable mortgage advice.

As a Skilled Worker visa holder with less than six months remaining, I was unsure if buying a home was even possible. The situation was made more stressful by affordability concerns and ongoing challenges with the landlord. There were moments when I felt overwhelmed and close to giving up.

Working with Nikhil Bhatia from Mortgage Bazaar completely changed that experience. From the very beginning, he was understanding, patient, and solution-focused. He took the time to explain everything clearly and guided me through each step of the process. He also helped navigate the landlord’s challenges and ensured my mortgage rate was protected despite rising interest rates due to the war situation.

What really stood out was his dedication—Nikhil was always available, even during evenings and weekends, and consistently kept me informed. He also arranged a trustworthy solicitor, which made the entire process much easier.

Thanks to his hard work and commitment, I was able to secure a mortgage at a competitive 5% rate. I’m incredibly thankful for his support and would highly recommend him to anyone looking for a mortgage advisor who genuinely cares about their clients.

I’ve worked with Nikhil Bhatia from Mortgage Bazaar on several occasions (around 3 to 5 different cases), and every experience has been fantastic. What really sets Nikhil apart is how genuinely invested he is in helping his clients.

In my most recent case, he managed to secure an incredible mortgage rate of 4.15%, while the market average was almost 1.5% higher. I was absolutely thrilled with the outcome. He went above and beyond—coordinating closely with the estate agent and solicitor, and even helping me save money on legal fees.

Nikhil is sincere, patient, and always keeps you informed. He often worked late into the night to ensure everything progressed smoothly. I know I could be quite demanding at times, but he always prioritised my interests and made me feel supported throughout.

I’m so glad I chose him as my advisor and would highly recommend him to anyone looking for a trustworthy and dedicated mortgage broker.

Nikhil has been a very big help for us. We are first time buyers and not knowing much of the process in buying. Nikhil patiently listened to my complicated case, gave solutions over a period of time. I was looking for a 5 % deposit mortgage and he gave a list of lot options which would help in saving my cost. As we were new to the market, he even advised us on the soliticors and guided me on the process every now and then. Buying a property especially a flat is very stressful and Nikhil was always there to guide me. Most of the mortgage advsiors wont entertain calls or messages post 5 -6 pm but Nikhil worked with me even after office hours to get my mortgage fixed before the rate increases. We truly wish Nikhil a very big success in his journey.

⭐ Trustpilot Review

As a portfolio landlord with 8 properties, I’ve worked with a number of brokers, and Nikhil Bhatia from Mortgage Bazaar has been one of the most reliable, proactive and efficient by far.

What stands out immediately is how quickly he works without ever compromising on detail. Every case is handled with care, and he keeps you fully informed throughout, which makes a big difference when you’re juggling multiple properties and timelines.

In my case, there were four instances where I came to him quite late in the process, with a real risk of rolling onto variable rates. Each time, Nikhil stepped in, worked late hours, and pushed everything through with impressive speed and efficiency. He managed to get all applications completed in time, ultimately saving me a considerable amount.

He’s not just fast—he is transperant, his advice is honest, practical, and clearly based on experience. I’d have no hesitation in recommending him to other landlords looking for someone dependable who genuinely delivers.

Got the 95% LTV as promised, it took the possibly more than 4 hours as well as lot of convincing by Nikhil to get this done, He did charged for it, but it was worth it. Will definitely recommend him on this.

I had a great experience working with Nikhil on my mortgage. He is incredibly detail-oriented and proactive — constantly monitoring the market for better deals and keeping me informed of changing conditions. His guidance helped me make confident decisions, and he ensured the entire mortgage process was completed smoothly and on time. I truly appreciated his responsiveness and professionalism throughout. Would highly recommend him to anyone looking for a reliable mortgage advisor.

Helped us with our remortgage. We highly recommend their services and they really assisted us all the way through.

Absolutely fantastic guy — Nikhil is incredibly down to earth, speaks real truth, and always guides you in the right direction. He supported us throughout our first home purchase, from understanding mortgage products, interest rates, LTVs, and affordability checks to navigating solicitors, surveys, and exchange of contracts. At every stage, he explained the process in a clear, simple, and stress-free way, which made a huge difference for first-time buyers like us.

Whenever we had doubts, he went above and beyond to put our minds at ease. Exceptionally proactive, highly knowledgeable in all aspects of the property and mortgage journey, and genuinely cares about his clients. Highly recommended to anyone climbing the property ladder.

Recently, I contacted Nikhil for my remortgage. Even though I reached out at the last minute before my previous fixed rate ended, he was extremely patient and took the time to understand my needs. He explained everything clearly and helped me make informed decisions before we moved forward.

He is a great listener, understands client requirements well, and never puts any pressure on you. I would happily recommend him to anyone looking for remortgage advice and support.

Thank you, Nikhil!

I had a fantastic experience with my Nikhil (Mortgage Bazaar) from start to finish. They were extremely knowledgeable, patient, and took the time to explain every step of the process clearly, which made everything feel far less stressful.

They really listened to my situation and found the best mortgage option to suit my needs. Communication was excellent throughout, and I always felt supported and well-informed. Any questions I had were answered quickly and professionally.

I would highly recommend them to anyone looking for honest, reliable, and efficient mortgage advice. A truly great service!

From start to finish, working with Nikhil was an exceptional experience. As we were raising money by converting my residential mortgage to buy to let to buy another property and getting both mortgages on time, whole process can feel overwhelming, but he made everything clear, structured, and stress-free.
Right from our initial consultation, he took the time to understand our financial situation, long-term goals, and concerns. They explained all our options in detail, breaking down complex mortgage terms into language we could easily understand. We never felt rushed or pressured into making decisions, which we truly appreciated.
What really stood out was his level of knowledge and attention to detail. He carefully compared multiple lenders, walked us through the pros and cons of each option, and ultimately secured us a competitive rate that suited our needs perfectly. Throughout the entire process, he was proactive, organized, and always one step ahead, making sure all documents were submitted on time and that nothing fell through the cracks.
Communication was excellent. He was always quick to respond to emails and calls, kept us updated at every stage, and followed up regularly to ensure everything was progressing smoothly. Even when unexpected questions or hurdles came up, he handled them calmly and professionally, providing reassurance and clear solutions.
He is also doing our life insurance policies to cover my new mortgages. His knowledge about types of insurances and what is best for specific needs of the client is commendable.
Thanks to his dedication and hard work, we successfully secured our mortgage with great terms and complete peace of mind. We couldn’t be happier with the experience and would absolutely recommend this mortgage broker to anyone looking for honest advice, excellent communication, and top-tier service. We will definitely be working with him again in the future.

We had a good experience working with Nikhil on our mortgage application. He acted quickly to get us an Agreement in Principle, which really helped move things forward. After the valuation, he managed to secure our loan offer from the bank almost immediately.

Throughout the process, he was professional, proactive, and always available to answer questions, sat with us hours on calls to clarify and smoothen things.

Thanks to his support, everything went incredibly smoothly. Would definitely recommend Nikhil to anyone looking for a reliable mortgage broker.

I want to express my heartfelt gratitude to Mr. Nikhil Bhatia from Mortgage Bazaar for everything he has done for us. A year ago, my wife and I weren’t even sure if buying a house in the UK was possible. I’m on a Skilled Worker Visa, we had a very small deposit, and we didn’t know where to start. Thankfully, we found Nikhil.

He spent an entire day with us, sitting in front of the computer, understanding our situation in detail and showing us the exact path to buy a home in London with just a 5% deposit. His guidance was clear, honest, and extremely practical.

What truly sets Nikhil apart is his dedication. Whether it was weekdays or weekends, he was always available to help us, answer questions, and calm our worries. He fought with the bank when one of our property valuations came back as zero, and he handled many other challenges with complete ownership and professionalism.

He even revised my mortgage rate three times without me asking, simply because he keeps checking the market and wants his clients to get the best possible deal. He helped us with everything: survey, solicitor, paperwork, and securing a 95% LTV mortgage at one of the lowest market rates available.

Throughout the entire process, he stood by us like a pillar of support. Because of him, today we are going to be the homeowners in the UK.

I strongly and wholeheartedly recommend Mr. Nikhil Bhatia to anyone looking for a mortgage broker. His honesty, expertise, and commitment are unmatched. If you want someone who genuinely cares about getting you the best deal and guiding you at every step, he is the person to trust.

My name is Denish Patel, and I want to share my experience working with Nikhil Bhatia from Mortgage Bazaar, because I genuinely don’t think we would be in our home today without his help.

Before I found Nikhil, I had spoken to other brokers who told me that getting a mortgage on a Skilled Worker visa close to expiry was almost impossible. One broker even quoted me extortionate amount in fees, which left me feeling stressed and unsure of what to do. I came across Nikhil on social media and decided to reach out, and I’m so glad I did.

From our first conversation, Nikhil was transparent about his fees, realistic about the challenges, and clear about the value he brings. And I can say with confidence — he is worth every penny and saved me far more across my journey.

My case was far from simple. I had:

- A visa close to expiry
- Income that varied because of overtime
- Gifted funds coming from multiple family members

At one stage, a lender became unhappy about gifted deposit funds coming from a family business, and the situation felt like it might fall apart. I was losing hope — but Nikhil didn’t waste a second. He switched to another High Street lender immediately, without compromising the interest rate, and kept the process moving smoothly.

Throughout everything, Nikhil stayed in constant communication. Even when I was stressed and doubting whether this would work, he remained calm, reassured me, and kept pushing forward. He also took the time to speak directly with members of my family back home, guiding them through the process and helping them feel comfortable too.

He personally handled every document, every phone call, every explanation including weekends and late evenings on whatsapp, and I could tell he was working late nights to keep the timeline on track. Because of his persistence, he secured an excellent rate early — before interest rates increased — which saved us a significant amount of money. He also arranged our Mortgage Protection, Buildings, and Contents Insurance and explained it all clearly, especially helpful for us as first-time buyers.

From my Decision in Principle to getting the keys took less than two months — something I never thought possible given the circumstances.

If you are a first-time buyer, on a visa, dealing with a complex situation, or simply want someone who genuinely fights for you, I highly recommend Nikhil Bhatia from Mortgage Bazaar. He is knowledgeable, honest, dedicated, and truly goes above and beyond. We have found a mortgage broker for life and would definitely recommend him to all of our friends and family

We wouldn’t be in our home today if it wasn’t for him — and that’s the truth.

A pleasant experience with a service focused on my personal circumstances. I was initially very reluctant in even making an effort to look at properties having been declined on multiple times over the past 11 years. He was referred to me by a friend and I was given a very fair state of my chances and I was clear that this process was not going to be an easy one . He was very methodical , fast and available to answer all my queries . I did not want him to tell me I would get an offer and he did not until we had the offer in hand . He was clear on what would work for me and I loved the fact that he did not give me hope when things were looking grey . He advised me precisely and during the course I was able to share my personal circumstances and ultimately I got an offer . I realise the amounr of works that is involved and the efforts . I cannot thank him enough . Mortgage bazaar and Nikhil you will be refereed for all my families and friends needs because I don’t this I would have got a better service than what I received . God bless you