I first dealt with Phil Young back in 2018 after he was highly recommended by a friend. I was a young first-timer, buying alone, and the process was extremely daunting. Could not recommend S&Y enough as the experience I had with Phil was tremendous. With a pandemic prolonging the process, Phil was extremely patient with my situation and took the time to discover exactly what I wanted in a property. He gave honest advice and went absolutely above and beyond to help me overcome the obstacles I faced, ensuring I made the best financial decisions. I felt confident trusting Phil and he was only a phone call away throughout the entire buying process. He simplified things and took time to ensure I understood, he learned my case and was friendly and approachable throughout. Without Phil I can’t imagine myself in the position I am now. I have already recommended Phil to 2 close friends and will be doing so for any others seeking mortgage advice.