Andrew Ray Mortgages Reviews 

Excellent service – Highly recommend Monika!

We’re so happy we had Monika as our mortgage broker. The whole process was quite long and sometimes stressful, but she made it so much easier for us. Monika was always helpful, friendly, and incredibly patient. You can really see how dedicated she is – she gave 100% every step of the way.

She took the time to explain everything clearly, kept us updated, and was always quick to respond to any questions. We felt supported and in safe hands throughout the whole journey.

Thank you, Monika, for your hard work and care – we truly appreciate it! Highly recommend to anyone looking for a professional and trustworthy mortgage broker.

We have worked with Andrew Ray for several years now, and we truly can’t recommend him highly enough. Whether it was our first home purchase or a recent refinance, he’s consistently gone above and beyond to make the process smooth, stress-free, and tailored to our needs. His knowledge of the market, attention to detail, and genuine care for our financial goals have made all the difference. Kirstie and John

Andy came highly recommend from relatives who have used him for over a decade. I’ve used him for the last 6 years and he’s nothing but a pleasure to deal with, he makes sure all options are explained clearly, keeps me up to date with the latest deals making sure I’ve got the best option for me!

Andrew Ray Mortgages has been my advisor for over 10 years, and I can honestly say he is the best in the business. From my very first mortgage to every one since, Andrew has been by my side, guiding me through each step with clarity and confidence.
He is incredibly knowledgeable, always making the complex process of securing a mortgage easy to understand. He takes the time to explain everything thoroughly, so I never feel overwhelmed or unsure of what’s happening. One of the things I value most is that he’s always available to answer any questions I have, no matter how small, they never go unanswered.
Andrew is someone I trust completely. His advice is always honest, and he truly has his clients’ best interests at heart. I’ve stayed with him all these years because of his professionalism, reliability, and dedication. I wouldn’t go to anyone else, and I recommend him to anyone looking for a mortgage advisor you can count on.

I had a fantastic experience with Andrew Ray Mortgages. Andrew provided an incredible service—fast, efficient, and highly professional throughout the entire process. He was always available to answer questions and made everything clear and straightforward. Most importantly, he secured a very competitive rate for me. I couldn’t have asked for a smoother experience. Highly recommended!

I cannot rate Andrew highly enough. He has been my mortgage advisor since I bought my first property in 2008. Every product he has recommended has been the right one at the right time. He knows the industry and the markets. I have just completed one of the most difficult and complex house purchases of my life and he has been the one professional who has been calm, diligent and he was always at the end of a phone if I needed any help or clarification. He is very approachable and is always happy to answer questions. I would recommend Andrew to anyone

I was introduced to Andrew by a family member who highly recommended him.
He came to meet me, was knowledgeable, informative, personable, ran a related errand for me (printing and delivering documents).
My case was a highly unusual arrangement but he stuck with it and found an answer to all the problems - he was persistent for me and my case.
I don't believe any one else could have done the same in such a calm, professional and caring way

Our family recommended Andrew to us due to their positive experience with him. His service was impeccable and highly supportive throughout the entire process. He went out of his way to answer all queries, even those not directly within his remit. We couldn’t recommend him enough.

The service Andrew provided was first class. Especially as I am first time buyer, Andrew was very patient and took his time to clearly articulate the process and explain terms that I did not initially understand. Andrew went above and beyond to help us throughout the whole process and was always very swift in providing solutions to any issues that occurred.

I would highly recommend Andrew's services. I would also like to thank Andrew's colleague Monika, who was very helpful.

Andrew is a brilliant Gent with an excellent professional approach. We have received first class service and excellent support from the initial meeting to the end process and completion. He has been very supportive with clear and professional advice right through the entire process with an excellent communication skills.

I received a fantastic service from Andrew from start to finish. I would highly recommend to anyone looking for assistance with their mortgage. The communication was excellent and he was always available to answer any queries I had. The whole process was efficient and seamless making it a stress free experience. Thank you Andrew.

Absolutely amazing man! I can not recommend Andrew Ray more, he is professional, helpful, so knowledgeable and always happy to help and provide experienced advice.
We have used Andrew Ray for the last 8 years and we trust his judgement and expertise.
Would recommend him to anyone regularly do to anyone in need of a mortgage advisor!
Thank you again Andrew

I recently purchased my first home and had very limited knowledge of the process of buying a property and everything it entails, which felt a little daunting.

Monika was my mortgage broker and was amazing throughout!

Monika kept me updated throughout the process, explained everything in great detail and was very proactive at ensuring I got the best deal possible - I would highly recommend!

Andrew Ray has provided us with sound mortgage advice since our very first purchase in 2012. He offers open and honest advice and an absolutely seamless process that always feels so personal. We have recommended him to family and friends also. It’s always a pleasure dealing with Andy, no surprises, just a second to none service which is what you need when making big life decisions! Thank you so much for your help with our most recent purchase. Your hard work is really appreciated.

I’ve had the pleasure of knowing Andrew for the past 15 years, and I can’t recommend him enough. Throughout the years, Andrew has consistently gone above and beyond to help me with my mortgage needs, always offering professional, reliable advice. Andrew truly cares about his clients, and I’ve always felt confident in his guidance, whether it’s been for a first home purchase or refinancing. Andrew’s deep knowledge of the mortgage industry, combined with his dedication to providing tailored solutions, has made all the difference. If you’re looking for someone trustworthy, knowledgeable, and professional, then Andrew is the person to go to!

Andrew is an amazing mortgage broker with very quick, thorough, helpful responses and advice. As a first time buyer I had no idea off anything to buying a property but with the helpful breakdown and step by step guidance from Andrew he made my whole experience stress free. I would highly recommend Andrew to anyone!

Andy was brilliant from start to finish. As a nervous and skeptical first time buyer I needed lots of advice and reassurance and he was always happy to answer my question no matter how dumb! It was great to know he was there for advice just in the end of the phone or message

I received an excellent service from Monika regarding my insurance. She found the best option for my situation and I would highly recommend her service. Thank you so much Monika!

Excellent service, from start to finish!
Have been using a different broker for many years and our remortgage came up for our buy to let property. We wanted to try and pull some equity out and basically was told it wasn’t possible and we also need to pay the mortgage company a 12k fee. I was absolutely horrified and after speaking to a friend, they recommended I contacted Andy. Well, to say we can’t thank our friend enough and a massive thank you to Andy, not only did he find us a lower rate mortgage, but one with a fee of 1795,00!! He was also able to pull more equity than we thought possible. Andy, thank you so much, we completed today 😊 Your service is 5* a true professional - Thank you

Andy was simply amazing. Extremely knowledgeable and a master of his trade.

Having not gone through the mortgage process before now, i wasnt quite sure what was involved. Andy was able to reassure me throughout and was there whenever I had any worries or enquiries.

Andy took away all the stresses and worries and always put me and my needs above anything else.

Highly recommend Andy and the service he supplies. Thank you Andy