Capricorn Financial Consultancy Arvostelua 

Avoid at all costs! Capircorn failed to action my instruction to accept a lenders offer. I had to chase for weeks before they acknowledged their mistake by which stage rates had increased. The total cost of their mistake was £16,000!

I continue to recommend Ross Culley to anyone I know who is buying a new home or seeking to remortgage. I recently remortgaged with him and would not go anywhere else. In a sea of jargon, I trust Ross to give me clear advice and find the best product. Top class advisor.

Capricorn have been 10/10 in helping me purchase my first home. I’d like to give a special thanks to Martin, who was excellent!

I’d 100% recommended Capricorn to anyone considering using them :) -Tom

As first-time buyers, we initially felt overwhelmed and unsure of the home-buying process, often experiencing stress and frustration. However, working with Ms. Gizem Tasan completely transformed our experience. She not only secured us an excellent and affordable mortgage but also went above and beyond to guide us through every stage of the process, often stepping in to assist with matters beyond her direct responsibilities.
Her industry knowledge, clear communication, and ability to simplify complex information made a significant difference. Gizem was always available to answer our questions, regardless of their size, and she helped expedite the mortgage and solicitor processes whenever delays arose. Friendly, supportive, and exceptionally professional, Gizem’s dedication was instrumental in helping us secure our first home. We genuinely believe we wouldn’t be where we are without her. Thank you so much for everything!

I feel so lucky to have worked with Ross on getting my mortgage! As a first-time buyer with a tricky credit history, I was quite nervous about the process and didn't really believe I'd have much luck in securing a mortgage at all, but Ross made everything feel super manageable from the get-go! He was incredibley friendly, approachable, and knowledgeable, and made sure to keep me updated and reassured every step of the way. He honestly went above and beyond to secure me a mortgage, and at a brilliant rate too! I'm still amazed because I know my credit file was almost impossible to work with, and owning a home felt like a far-fetched dream for the longest time.

I’m so incredibly grateful for all his help in getting me into my first home. I would highly recommend Ross to anyone, especially a first-time buyer like me 😊 !

Michael Melhado has been the star Mortgage Broker throughout my property journey. His meticulous attention to detail is unparalleled, reliable and so prompt with his replies. Michael displays such kindness and calmness, he goes above and beyond. From arranging a mortgage in principle meeting online to providing a clear breakdown of loaning options, I truly cannot thank and recommend him enough.

Great service from my mortgage advisor Ross Culley. He’s been excellent throughout the whole process, explaining me how does it work (I’m a FTB), but also providing me with support and exhaustive information whenever I had questions. He’s always been extremely vigilant, for example proactively asking me if I wanted to review the rates as soon as they were going down. Excellent service!!

It's the second time I've used Capricorn now and I've had great service both times. My broker this time (Ross Culley) was exceptionally responsive and helpful, dealing with my numerous questions and supporting me through various last minute mind changes. Would definitely use again and recommend to anyone.

Excellent support, Ross Culley was very helpful and supportive

Ross Culley is the best mortgage advisor in the U.K. he is responsive to the minute and knows every detail you think you know and more. I was hesitant to pay any fees but after the service I got I was more than happy too.

Terrible service from Jordan, wasted 9 months trying to get a mortgage for my son. Promised the moon and delivered nothing. The worse thing is that Jordan never follows up, takes for ever to respond to messages or voice mail or doesn’t even bother despite being reminded. Always has an excuse for not returning calls. Had I used my own mortgage adviser from L&C in the first place, the mortgage would had been approved and in place months before. Just don’t bother! I gave up at the end and completed as a cash transaction. Jordan said he would then help remortgage post purchase but didn’t follow through. Same old.

I cannot recommend Yulia Isaeva highly enough—she is truly exceptional. I was initially referred to Capricorn Finance by an estate agent, and to be honest, I had my reservations about speaking with a mortgage broker, as I had no idea where to begin.

From the very start, Yulia was incredibly helpful and patient. She took the time to sit down with me and walk me through the entire home-buying process step by step, providing a clear and informative presentation that made everything feel much more manageable.

A few months later, while I was still casually browsing properties, she graciously repeated the same process with my spouse, helping both of us become better informed and more confident in our understanding.

Her approach has always been transparent, and she never made us feel rushed or overwhelmed.

Although we faced some challenges with the first two properties we considered, Yulia remained optimistic and encouraging. She kept reminding us not to lose heart, assuring us that those experiences were simply leading us toward the perfect home—and she was absolutely right.

When we finally found the right place, we encountered a few hiccups due to the previous attempts, particularly during the mortgage application process. Yulia handled everything seamlessly. She advocated for us every step of the way, securing an excellent mortgage offer at just a 5% down payment—an incredible outcome for us as first-time buyers.

Yulia always acted in our best interest, not only in selecting the mortgage but also in coordinating with estate agents during some of the more challenging moments. She was consistently supportive, knowledgeable, and proactive.

We are now very close to exchanging contracts, and I truly cannot thank Yulia enough for her unwavering support. It has been a genuine pleasure working with her, and I honestly cannot imagine having gone through this process with anyone else.

Sadly, i have been an ongoing customer for Capricorn, but the latest experience with Luke has been so unprofessional. He has never taken up my offer to discuss on a call and his final reply was the below, when i chose to go with a more fitting option. Sadly i wouldnt recommend them anymore.
'' Given you will only end up completing on one mortgage - you’ll end up wasting my time. You’ve already wasted some of my time and proceeded with him so let’s call it a day. ''
Luke Northcott
Senior Adviser & Team Leader

Ross Culley has been super helpful throughout our property purchase process, even sacrificing his weekend to file a second mortgage application for us to get an offer just in time for the Stamp Duty changes on 1 April 2025.

Ross Culley and Capricorn in general were very thorough and extremely attentive - they kept us updated at every step and ensured things progress on time. I highly recommend them!

From my very first call with Ross Culley, through to the entire mortgage process, everything was truly exceptional. As someone completely new to mortgages, Ross took the time to explain every detail and patiently addressed all my questions. His professionalism and warmth were evident from the start, and he was always available when I needed further guidance or simply wanted to clarify something.

What impressed me most was how quickly Ross got things sorted for me. He was incredibly efficient in moving the process forward and ensured that everything was handled promptly. In addition to his expert advice, Ross connected me with trustworthy contacts for solicitors, surveys, and other services - at fair, reasonable prices. What really stood out, though, was how he became a friendly ear during what could have been a very stressful time. His support, encouragement, and genuine care made all the difference.

I’m so grateful to have had Ross as my mortgage broker during this process. He kept me informed and reassured every step of the way, ensuring I found the best mortgage for my needs. I can’t recommend him highly enough - his dedication and support made this entire process so much easier and less overwhelming.

We had an issue with a previous mortgage brokers so we had to switch to Capricorn Financial and we had a little time before completion. Thankfully Ross Culley was amazing at his job and he solved everything quickly and efficiently. I would 100% recommend; we are so delighted that we could complete everything in time and seamlessly. Thank you Ross!

Ross Culley was professional, timely, well informed and extremely helpful through the whole process, assisting with complexities and changing circumstances. Would highly recommend!

Have just reused Capricorn again to refinance a BTL mortgage. Alex Smith has acted for us on numerous mortgages/remortgages, not all straight forward, and his unflappable style and efficient management has secured competitive deals every time. Catherine Pugh acted this time to provide a flawless process. They are always easy to contact if any glitches occur and are a pleasure to deal with. Highly recommended.

Ross Culley was absolutely amazing in the entire process. He was very clear, took the time to explain the process and subtleties, was very responsive by email, always polite and willing to help.

Highly recommend! Ross Culley helped me secure a great deal and was incredibly responsive throughout — made the whole process smooth and stress-free.