Gail

Published 18/02/2022

Gail ran ito financial difficulties after buying a three bedroomed, semi-detatched house with her partner seven years ago. The couple split up shortly afterwards, and Gail struggled to pay the £70,000 mortgage on her own. "I went to an independent financial adviser but he told me the only thing I could do was hand back the keys", she says

But Gail was detirmined to keep her home, and took on two jobs, working in a factory and as a mini-cab driver. "It was a real struggle, especially as I have four children" she says. "I fell behind on the repayments on a personal loan but I was determined to keep a roof over our heads".

She missed one mortgage payment to her lender but caught up the following month. This still appeared on her credit record as did her personal loan arrears.

This made it hard to obtain credit, and my own bank refused me an overdraft, even though I didn't owe any money.

Gail, 43 still wouldn't give up and went into business with a friend, setting up a mini-cab company. Slowly, she turned around her finances.

She was keen to switch to a cheaper mortgage mortgage but was unable to set up an improved deal with her current lender.

Homesavers Mortgages and Loans re-mortgaged her to a specialist lender enabling her to keep the property and reduce her outgoings.

I was very pleased and my finances are now much healthier.


Testimonials

Homesavers Mortgages and Loans in Bishop Auckland were recommended to me by a friend and from the moment I first contacted your mortgage company I found you to be helpful, straight forward and highly efficient. I also took mortgage advice from the in house mortgage advisor at the...

Dan, Bury (2010) (2013)

Hi Bill, Many thanks for that mortgage advice. I really appreciate the time and effort you put in to get this all put in place so quickly, the level of service was outstanding and certainly far exceeded my expectations! I will definitely be passing your details on to some c...

Puneet, London (2012) (2013)

Considering my personal financial circumstances and the fact that I literally walked in off the street I felt that I recieved a competent efficient service from Homesavers Mortgages and Loans in Bishop Auckland, with a warm welcome each time I called in. The mortgage offered t...

John and Louise, Co Durham (2010) (2015)

Thankyou! Finally we thought this day would never come, Thank you for everything you did for us, it would not of been as easy with out all your help. As first time buyers in Bishop Auckland Co Durham

Chris and Jen, Co Durham 2012 (2013)

Homesavers were reassuringly knowledgeable and friendly, made the process much less stressful. I would definitely recommend them.

Sara, Bedford 2013 (2013)

Thank you for all of your help, could not of understood any of this mortgage stuff without you...thanks for making it simple (mortgages for dummies by T Sharp 2013)

Davey and Fiona, Co Durham (2013)

We found Homesavers Mortgages and Loans in Bishop Auckland to be professional and efficient. The team members we spoke to were approachable and very helpful, despite quite a drawn out mortgage application (due to property issues) Trevor liaised with us and our estate agent to ex...

Vedran Biondic, Hertfordshire 2014 (2014)

Brilliant service once again from Homesavers in Bishop Auckland Co Durham, bearing in mind we have had Easter from application to offer it has been approx 1 week. Heather

Heather , Manchester 2014 (2014)

Very pleased with the service we received! Always got a text,email or call when I was in need of help and advice. Homesavers Mortgages and Loans in Bishop Auckland always make sure to contact us in a few years when our mortgage rate will increase. Leanne and Peter

Leanne and Peter, Murton 2014 (2017)

Fantastic service from start to finish, Trevor was always there to answer questions and there were numerous questions! Would highly recommend Homesavers Mortgages and Loans to friends.

Bryan and Annemarie, Newton Aycliffe 2014 (2014)

We found working with Trevor to be an absolute pleasure, He was always friendly, professional and competent. We have already recommended Homesavers Mortgages and Loans to others and will continue to do so. We were very please with the product Trevor found on our behalf and fel...

Anthony and Kate, East Sussex 2014 (2014)

Having used Homesavers Mortgages and Loans in the past, I had no doubts about doing so again, especially in very difficult personal circumstances. The services offered was highly professional, efficient and reassuring in a time of much financial uncertainty and turmoil. I wil...

Tracy, Spennymoor 2014 (2014)

An excellent service provided by Trevor who guided me through the mortgage process with ease and simplicity.

Christopher , Spennymoor 2014 (2014)

I was very impressed by the personal service that I received and the time the staff members were able to spend with me/talking to me. As a first time buyer of a property and a mortgage I was very grateful for the information I received and for the service that Homesavers Mortg...

Alex, London 2014 (2014)

We had an exceptionally good service from Homesavers Mortgages and Loans. We were very unsure about remortgaging as had never done this before however, were soon put at ease. Any questions we had (and there were quite a few) they were dealt with efficiently making the process...

Danielle, Co Durham 2015 (2015)

Hi Bill We just wanted to thank Homesavers Mortgages and Loans, very much for the efficient and friendly service you provided us while purchasing our new house which is, incidently, wonderful! Your knowledge of the market and assistance with organisation, and the resulting ...

Brett and Claire, Darlington 2015 (2015)

We would like to thank Bill again for all the support with our purchase! top notch service!...we will be recommending Homesavers Mortgages and Loans to everyone we know! Ali and Clare

Clare and Ali, Durham 2015 (2015)

Bill Just a little note to say a massive thank you for all of your hard work and patience! to get us our gorgeous new home! We would not trust anyone else with the job and we really appreciate all that you have done for us. Thank you very much.

Cassandra and Mark, Sunderland 2016 (2016)

I am delighted to say that the re-mortgage with Santander completed today, which I am thrilled about. Thank you so much for your quick and thorough work, it is very much appreciated and I will certainly be back to you for any future requirements, and I will recommend Homesavers M...

Elizabeth, Co Durham 2016 (2016)

Thanks again for arranging this Bill, as always very simple and a pleasure having you represent us.

Darren and Tracy, Kent 2016 (2016)

I Dealt with Trevor who couldn't have been more helpful, His help and advice was invaluable. I would certainly recommend Homesavers Mortgages and Loans to everyone I know!

Peter, Durham 2016 (2016)

I wanted to personally thank Trevor at Homesavers Mortgages and Loans for his help and guidance in this process. You have been absolutely brilliant and talked me through anything I didn't understand with patience, understanding and reassurance that I wasn't completely c...

Louise, West Midlands 2016 (2016)

Bill I just want to thank you for all you at Homesavers Mortgages and Loans have done for us, you have helped us get our very first home together THANK YOU

Cooke, Houghton Le Spring 2016 (2017)

Homesavers Mortgages and Loans came personally recommended and we are so pleased we used there services, Trevor provided us with an excellent service, his guidance and assistance proved invaluable during a tense time. We put our faith in Trevors experience and knowledge and he m...

Ian and Victoria, Wolsingham 2017 (2017)

Excellent service form Homesavers Mortgages and Loans in Bishop Auckland, I was recommended by my brother to see Bill, And I thought the service was second to none. I will remortgage with you in the future and possibly purchase a Buy to Let.

Warren, Bishop Auckland 2017 (2017)

We felt from the outset that Trevor from Homesavers Mortgages and Loans was looking out for our best interest and we trusted that he found us the best deal for our financial situation at this time. Having spoken with another broker a short time before we felt disheartened and ...

Chloe, Wolsingham 2017 (2018)

Thank you so much Bill at Homesavers Mortgages and Loans for helping us with our new home! Also sorry for all the constant texts, questions and phone calls!

Tom and Rebecca, Witton Le Wear 2017 (2017)

Fantastic service all round provided by Bill, giventime to understand the products before making an informed decision, very knowledgeabe and made the process to adjust our mortgage and life insurance policies extremely straitforward, I will certainly pass on Bill & the teams ...

Jon , Darlington 2017 (2018)

We just wanted to say a huge thank you to Bill at Homesavers Mortgages and Loans for being so helpful with my re-mortgage! I keep recommending you to friends, ( If that's ok!) I look forward to hearing from you again in about a year and ten months!

Rachael, London 2017 (2017)

I am so pleased to have chosen Mortgage Experts from Homesavers Mortgages and Loans as they have supported me greatly through stressful times of purchasing my first property! Please feel free to visit my property anytime all staff are welcome Thank You xx

Craig, Gateshead 2018 (2018)

I would just like to add that Trevor was extremely helpful as I had no clue what to do regarding me remortgage, Trevor at Homesavers Mortgages insisted that I send anything that I didn't understand to him and he would advise. Also the mortgage went through very quickly an...

Smyth J, South East London 2018 (2018)

Fantastic service, everyone I spoke to were friendly and approachable. I would always use Homesavers Mortgages and Loans and recommend to everyone! Thank you so much

Stephenson/Wallace , Wolsingham 2018 (2018)

Very friendly, Trustworthy and always on hand to reply to any messages/emails quickly, efficiently and effectively I would highly recommend.

Fiona, Bishop Auckland 2018 (2018)

Thank you Homesavers Mortgages and Loans for making buying a house and sorting out a Mortgage so easy for me as a first time buyer.

Harrison, Chester le Street 2019 (2019)

Trevor at Homesavers Mortgages and Loans remained a source of helpful advice overa number of traumatic years as we attempted to sell our first home and purchase our new home. He was always available and easily contactable, Trevor explained the products on offer carefully and assi...

Abigail and Michael, Bishop Auckland 2019 (2019)

Homesavers Mortgages and Loans provided fantastic service for mortgage and life insurance, we would highly recommend to friends and family. Special thanks to Bill for all his time and efforts and always being available when needed.

Lisa and Karl, Spennymoor 2019 (2019)

Very friendly and helpful. Always available to talk things through if needed. I felt very confident that everything was going to be done correctly. I would recommend Homesavers Mortgages and Loans to everyone.

Mark and Laura, Bishop Auckland 2019 (2019)

I was so impressed with the services provided from Homesavers Mortgages and Loans I passed there name on to my son when he was looking to purchase his first house. Very impressed with the professionalism and politeness.

Rob, Trimdon 2019 (2019)

I have to say Trevor at Homesavers Mortgages & Loans was outstanding, I was recommended to use Homesavers Mortgages & Loans by a friend. He also helped my Daughter with her home purchase from my recommendation. I would 100% recommend him to anyone who needs help and ad...

Sarah and Simon, West Midlands 2019 (2019)

The staff at Homesavers Mortgages and Loans are very friendly and helpful. Took a lot of the stress away from trying to sort the mortgage out. Will defo use again.

Dan and Kelly, Bishop Auckland 2019 (2019)

Amazing service, as first time buyers Trevor explained everything fully and was always available to talk through our options and what we called up for. It was a smooth process from Trevor's side, communication was great and efficient, 10/10 would recommend to my friends ...

Aimee & Lewis, Milton Keynes 02/22 (2022)

A Pleasure to work with we have used Homesavers twice and will use again, They are always happy to deliver advice

Michael, Spennymoor 04/2022 (2022)

Bill is always so very helpful, he always finds a product that suits our needs, I would highly recommend him.

Michelle , Willington 04/2022 (2022)

Extremely helpful and friendly service. Went above and beyond to provide the best mortgage quote available and then helped us find really reasonable life insurance.

David , 05/2022 (2022)

A pleasure to work with, we have used Homesavers twice and will use again. They are always happy to deliver advice.

Michael, 04 / 2022 (2022)

Service was spot on from Trevor from start to finish and we will definitely be in touch once our mortgage is due for renewal.

David , Sedgefield 10/2022 (2022)

Trevor provided an excellent level of service throughout the process I would highly recommend him

Amy , St Neots 11/22 (2022)

Bill was our mortgage adviser he kept us informed of what was going on and if I was ever stuck he was just a text away and he was reassuring all the time a great big thank you to him will definitely recommended him

Lauren & Carl, Darlington 12/22 (2022)

Trevor you have been absolutely brilliant, thank you very much. We felt confident we would get a great deal with you and when the legal firm were slow to complete you were great at chasing them. Thank you we will continue to recommend you to our friends

Rachel, London 12/22 (2022)

Trevor was warm, helpful and always a pleasure to speak to, it was our first time buying a property and he went above and beyond in helping us find a mortgage, making what could have been a daunting prospect a clear, simple and enjoyable process

Rossanna, 04/23 (2023)

Our broker Bill could not have been more accommodating to our needs. We were first time buyers with little knowledge of taking out a mortgage or anything to do with finding a house. From the start Bill was always efficient in making time for us and answering our questions, he was...

Laura, 05/23 (2023)

Firstly my family and I are really grateful to you and your services provided. We are really lucky to have come across you. You might be just doing your job but for us it was our dream which you have made true. It was all possible with your skills and efficiency. We have dealt wi...

Germano & Gill , 06/23 Uxbridge (2023)

Really happy with the service received. All questions I had were answered and contact was easy

Amy , Newcastle (2023)

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