Capricorn Financial Consultancy Recensioni 

I cannot rate this service highly enough! Albano was an excellent mortgage broker at every stage of the journey - very responsive to emails, kind and professional, proactive in finding the best deals on the market even one I already had a mortgage offer. Although my purchase didn't ultimately go through, I would absolutely use this service again and recommend to others. As a first-time buyer, the process can be very stressful but having somebody reliable on-side made it that bit easier.

Ross Culley was incredibly helpful throughout our mortgage application. He was highly responsive and attentive to all our questions at every stage of the process, super knowledgeable about what he does. We applied this mortgage for property purchase which was part of a long chain, which meant the timeline changed and was delayed several times, hence requiring our mortgage offer to be extended. Ross handled everything seamlessly, making the whole experience clear and stress-free for us. He was always easy to reach, and his support from start to finish was outstanding. A fantastic person to work with and a great company overall.

Capricorn Financial Consultancy - Interview Process. Review.

First stage was a Teams meeting that lasted up to 40 mins. Emma Kingsmill , was very professional who advise me to walk her through my resume. I explained my skills and qualities that make me best suited for the role. Emma explained the company sales target and provided real life examples of people who reached those targets e.g Tim Aspinall. Emma then asked me if I am currently applying for other jobs , which I replied yes. Then she arranged a team meeting with Tim Aspinall ( number 1 sales advisor), for further due diligence.

2nd Stage - I had a Teams meeting with Tim Aspinall , who then gave me information about the work culture/environment for working at Capricorn financial. He then advised me to walk him through my cv and explain my skills and qualities that attracted me to the role. The team meeting lasted up to 15 mins, then I was advised that Emma will get back to me via email for further notification.

3rd Stage- Emma sent me an email to ask how do I think the interview went with Tim. I then responded that Tim explain all the key fundamentals of the role and that I will be joining team of 5-7 people. I was then advised to do a presentation explaining who am I ?, and what are my goals and ambitions for the next 5 years. Once I completed the presentation, Emma advised me to forward the PowerPoint slides to check over before I present it to Tim at the office in London.

4th Stage - I commuted to the office and Tim Aspinall happily booked me free parking space. Once I entered the office I was escorted by the receptionist to the presentation area , that already had my presentation on screen. I waited 10 mins for Tim to gather all the senior advisers to watch my presentation. After my presentation, they questioned my ambitions and previous experience. They advised me this role is not a get rich quick scheme and I have to wait 1-3 months for a return of investment.

If you are mature, patient and punctual ; I will definitely recommend joining the company. However, if your looking to make quick money, you should seek an alternative investment firm.

Our consultant was extremely helpful, polite and proactive at the beginning, in particular when he reached out to us. He took time to have calls and provide details on the various options, but then AFTER we signed the contract with them - and they were sure we would proceed with them as mortgage advisors - he basically disappeared.
I would say their only interest was earning their fee - I am not even sure we got the best mortgage deal on the market as they said.

Shout out to Alex Smith, who relentlessly helped with all my 5 offers (it's been a terrible journey) and manage to deal with a very tricky situation I had with a freehold flat! Highly recommend working with him - he is so responsible and reliable, and was what supported me through horrible times...

Great work by Ross Culley, highly recommended! From mortgage to remortgage, Ross has been providing detailed information and has been updating us proactively. Very happy of his service!

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!