Capricorn Financial Consultancy Arvostelua 

Ross Culley was our mortgage advisor, and we were extremely pleased to have him guiding us through the process.

Arranging the mortgage was probably the part of buying our home that I found most daunting, but Ross made us feel completely at ease from the very beginning. He was incredibly professional and knowledgeable, while also being genuinely friendly, patient and a pleasure to deal with.

We’re now happily settled into our new home and would wholeheartedly recommend Ross and Capricorn Financial.

We had a totally incompetent mortgage advisor, had no idea what he was doing and consistently misunderstood my contract status and salary. This led is to missing out on better rates and potentially adding thousands to our mortgage. Also misled is and provided inaccurate information. AVOID AVOID AVOID at all costs. I remain very angry and disappointed with the breathtaking lack of knowledge and incompetence of a supposed mortgage advisor who simply should not be in his job.

Ross Culley and team provided great and honest support with finding the best deal available and throughout the buying purchase. Promptly answering any questions and giving us reassurance. I highly recommend his service.

Ross Cully was our wonderful mortgage advisor. As first-time buyers, we found him enormously helpful in getting us through the very long and stressful process of buying our house. He was incredibly responsive and helpful throughout. His highly professional attitude was a great support to us, especially during the challenging and difficult times of the process. We cannot recommend him highly enough.

Virginia Lee was extremely helpful throughout our mortgage application. Our case was complicated and required a lot of documents, but Virginia worked very hard, remained patient and guided us through every stage until we received our mortgage offer. We truly appreciate her dedication, professionalism and all the time she spent helping us.I would highly recommend Virginia to anyone looking for a knowledgeable and determined mortgage broker. Thank you so much, Virginia!

Tony Chryseliou and Patricia Niederberger at Capricorn Financial Mortgages were fantastic throughout our house purchase.. ours was not a simple transaction, it involved a linked sale and purchase, and Tony was proactive throughout, switching us to a faster lender when our original one started dragging its feet, which kept everything on track ahead of a hard deadline set by Seller's Estate Agent.

Patricia kept the case moving behind the scenes and was always quick to flag what we needed next, so nothing came as a surprise.

Between the two of them we always knew exactly where things stood and got a great rate at the end of it. Couldn't recommend them more highly for anyone buying a home!

Ross Culley was fantastic from start to finish throughout my mortgage journey. As a first-time buyer, the whole process felt quite daunting, but Ross was incredibly knowledgeable, patient, and always happy to answer my questions. He explained everything clearly, kept me updated at every stage, and made the entire experience much less stressful.

I always felt that Ross had my best interests in mind and was proactive in finding the right mortgage for my circumstances. His communication was excellent, and he was quick to respond whenever I needed advice or reassurance.

I would highly recommend Ross Culley to anyone looking for a reliable, professional, and friendly mortgage advisor. Thank you for all your support in helping me buy my new home!

Ross Culley was our advisor and he was absolutely great! He was well informed, kept an eye on the interest rates and was very humane and great throughout our process of house hunting which did take quite some time. He also gave really good advice that was objective and did not rush us to complete on any property. If it was a bad decision, he was pretty upfront about it. I couldn't recommend Ross Culley enough!

Ross Culley found a perfect mortgage solution for us and we are grateful for his dedication. Highly recommended mortgage adviser!

I had the delight of working with Ross Culley on my flat purchase. I was truly blown away by the experience received. Not only did he support me on choosing the right mortgage and answering all of my questions (and there were a lot) but he was actually an incredible support in the initial flat viewing stage. He would give me helpful tips to look out for, but also helped me identity hidden red flags when it came to things like service charge and ground rent. He was invaluable during the whole process and I couldn’t recommend him enough!

Jamie Whalen, my mortgage advisor, was phenomenal. He was a subject matter expert on the mortgage vehicles and I was working on New York City time, so many of our calls, emails were very late working hours for him. It took me 2 years to find a property and I put in 3 offers before the 3rd was accepted and then Jamie had to work on a time-crunch. Very patient, calm, dry humor. I would recommend him to anyone and I look to forward to working with him again when my rate changes.

I worked with Luke N, Jack P and Billel Z and they've all provided an outstanding service, looking after me every step of the way from securing my mortgage to considering my needs after that from a protection perspective.

I cant recommend Armani Simpson highly enough. He was incredibly responsive throughout the entire process, even outside of typical working hours and on weekends, which made a huge difference during what can otherwise be a stressful experience.

What really stood out was his ability to condense complex information into a clear and digestible format. As someone from an international background where mortgage brokers aren’t commonly used, I wasn’t sure what to expect but Armani completely changed my perspective. I can now clearly see the value of working with a broker. He was also extremely patient and genuinely invested in finding the best possible rate for me. I never felt rushed or pressured, and it was clear he truly had my best interests at heart.

In many ways, he was even more helpful than my lawyers, simply because of how responsive he was and how effectively he simplified everything for me. I always felt informed, supported, and confident in the decisions I was making.

I wouldn’t hesitate to recommend him to anyone.

Genuinely not a great experience. Not sure what the commission rates are but once you have a mortgage the broker kind of forgets you exist and barely responds. I faced a lot of issues such as holds and a failed solicitor and my mortgage broker absolutely did not help with this and in fact, put the wrong details on my file, they didnt support me with a plan B at all and suggested i need to do it myself (Nationwide only speaks to lawyers or brokers, never the actual customer). Was absolutely not proactive or supportive at all and suggested a company merger suggested they cant take any actions to support you. You're better off NOT using a mortgage broker at all especially this one and actioning things yourself., would never go to Capricorn again and wouldnt recommend. Overall incompetent and irresponsible and seem pretty rogue.

We had an excellent experience working with Ross Culley as our mortgage advisor.
From day one, Ross was incredibly responsive, supportive, and knowledgeable. He answered all of our questions quickly and clearly, and was always available whenever we needed guidance. As first-time buyers, this made a huge difference and gave us real confidence throughout the process.
He was with us every step of the way and made the whole journey much smoother and less stressful than we expected.
We truly appreciate all his help and would highly recommend Ross Culley to anyone looking for a reliable and professional mortgage advisor.

We had a great experience with Capricorn Financial - who supported us through the mortgage process as first time buyers. Britanny Zonzolo was brilliant and explained everything really well. She gave us great advice and helped us secure our first flat! We are super grateful for Britanny's support and we will be sure to use her again in the future!

We had a complicated case while buying our new property, and we truly couldn’t have asked for a better broker than Kishan Mistry. From the very beginning, Kishan went above and beyond, working around the clock and even after hours to make sure everything progressed as smoothly as possible.

Our situation involved complications with foreign deposits, which could easily have become overwhelming, but Kishan handled everything with professionalism and expertise. He guided us through the process step by step and made what could have been a very stressful experience feel manageable.

Not only did he handle the mortgage side brilliantly, but he also recommended excellent professionals for the other services we needed along the way, which made the whole process much easier.

Throughout it all, Kishan was incredibly helpful, responsive, and calming. He made us feel comfortable, supported, and genuinely well looked after during such an important decision.

We’re extremely grateful for his hard work and dedication and would highly recommend Kishan Mistry to anyone looking for a knowledgeable and committed broker.

Ross Culley is an exceptional mortgage advisor and I highly recommend his services to anyone looking for a seamless home-buying experience. From our very first conversation, he was incredibly proactive and dedicated to getting the best possible outcome for me.

What impressed me most was how Ross consistently went above and beyond to support me with every query I had, no matter how small. He was extremely helpful, always available, and made a complex process feel straightforward. Most importantly, his expertise was clear when he managed to secure a much better rate from the lender than I initially expected, saving me a significant amount of money.

I am truly grateful for his hard work and professional guidance. If you want a broker who is reliable, knowledgeable, and genuinely cares about getting you the best deal, I strongly suggest asking for Ross Culley!

This has been, without question, the most incompetent and irresponsible mortgage brokerage experience I have ever had. Capricorn has shown zero professionalism, zero accountability, and zero respect for their clients’ time, money, or sanity. Charging £250 for a service they can’t even deliver properly is outrageous and then dumping the consequences of their own mistakes back onto the client is beyond unacceptable.

They submitted my full mortgage application before taking my consent. I was asked if I wanted to proceed (after I received the email from Santander noting that my application has already been submitted). Why ask for approval if you’ve already pushed the button? Completely reckless.

They were so trigger‑happy they submitted the application with the wrong solicitor. I gave them my solicitor’s details. Too late - they’d already blasted the application through with the seller’s solicitor listed. My actual solicitor had back & forth calls with Santander because Capricorn never contacted them, despite promising they would in December. This is admin 101, and they still managed to butcher it.

2 months wasted because of their negligence. The offer was ready in December 2025. It's almost end of February, Capricorn is saying they can't do anything due to “regulatory network change,” telling me to chase Openwork to fix their mistake. Apparently, taking responsibility isn’t part of their job description.

They charged £250 for an incomplete, careless service. If they had simply entered the correct solicitor details and have not been trigger-happy, none of this would have happened. Instead, I’m stuck doing the job I paid them to do. Why am I handing over £250 when I’m the one fixing their mistakes?

They don’t give clients options - they just pick a deal and submit it. My previous broker actually explained choices, pros and cons, and let me decide. Capricorn didn’t bother. They assumed the cheapest deal was “good enough” and submitted it without discussion. My other broker can get me the same (or better) rates without charging £250 and without acting recklessly.

My other broker have confirmed this isn’t an isolated incident. I’ve since learned that Capricorn has a reputation for being “trigger-happy” with applications, submitting them before clients approve anything. Based on my experience, that’s absolutely true.

Capricorn caused delays, stress, and a mess I’m still untangling all because of their own incompetence. I want my £250 refunded, and I’ll be using my previous broker who actually knows how to do their job.

I was VERY lucky to stumble across this company and especially, mortgage broker, Albano Toska, who was referred to me by an estate agent. I simply cannot praise Albano enough. He was friendly, clear, helpful but most of all, knowledgable and efficient - he got me a mortgage that was better than I had ever expected. He made the whole process very straightforward and I completed my house purchase today without a squeak from the lender. Albano's professionalism and expertise as broker throughout the process has been superlative; he is prepared to work weekends and evenings on your case if necessary!

Albano (and also Elga, who assisted later with all the admin with the lender) were supportive, efficient and communicative and I am very grateful to them for making the mortgage process as smooth as it was.

I also had a great experience dealing with Tim Aspinall who got me the life insurance and critical illness cover.

I would highly recommend Capricorn Financial Consultancy for all mortgage and insurance requirements. Everyone here is very helpful and very good at what they do.