Applying for a mortgage can be daunting as most people know, but because I’ve left it relatively late in life at 54, and because I have had completely contradictory ‘advice’ from work colleagues, friends and relatives, I assumed that applying for a mortgage as a ‘first time buyer’ was going to be even more of a minefield than it would normally be. I shouldn’t have worried. From my initial, tentative phone enquiry right up to and including the mortgage provider’s official ‘green lighting’ of my application, every step of the way has been stress-free thanks to the hard work, dedication and professionalism of both (Rebecca) Becky Taylor and Sarah Morgan, who work for the Mortgage Advice Bureau and are based at Ryder & Dutton’s Middleton Branch. All of the steps and processes that are involved in applying for a mortgage, including potential pit-falls what is considered ‘good practice’, have been explained to me with minimal (and off-putting!) industry speak, in a logical and cliché-free manner; and where appropriate clear and concise flow diagrams were used. In fact, the whole process of buying a house/ flat was boiled down to a sheet of A4 paper! Each aspect of the process was then dealt with separately and ‘fleshed -out’ as-and-when needed, so it was easy to discern how one process directly affects the other. After each meeting I knew exactly what steps to take next, who would be contacting me and exactly what they would require – wage slips, ID, bank statements etc. Even when there was a protracted wait due to the lender having a backlog, I was advised by both email and ‘phone call (at least once a week) exactly where my mortgage application was up to. It’s comforting to have someone tell you that the delay is on the bank’s part as opposed to one worrying unnecessarily that it was because it was down to something that one had neglected to do! At all times both Becky and Sarah have been professional without being overly formal, personable and they both clearly like to help people – this is actually quite a difficult ‘balancing act’ to get right. I am someone who works in a customer-facing role and is involved in driving and maintaining time-critical processes, so I like to think I know what I’m talking about. Excellent customer service! If it were possible to give an eleven out of ten here as opposed to five stars then I would have no hesitation in doing so!

We moved our property to R&D from another local agent and there was a noticeable improvement in service. Lisa R was great at keeping us informed, found us a buyer and helped make the sale process nice and simple.

Absolutely amazing experience! Ann has kept us up to date with everything that has been going on with our new mortgage and has made sure all the information and all the paperwork end up coming to us before we know it!

Can not explain how amazing Sarah Morgan and Ann Beech have been!! As first time buyers we were apprehensive and also a little scared applying for our first mortgage. Sarah reassured us throughout the whole process and I have learnt so much I feel as though I could advise people on mortgages myself! What we thought would have been a stressful time has been a breeze and I cannot thank them both enough. Ann is never too busy to talk on the phone and always had an answer for my questions. You have made two first time buyers feel on top of the world! :) Thank you.

Sarah and Ann are AMAZING! Friendly, profession and truely fantastic. I would recommend to everybody. Sarah went above and beyond for me and made the process as stress free as possible! Always replies to questions quickly! Honestly can not recommend Sarah and Ann enough. Thank you so very much for all your hard work and professionalism! You have both made my dream of owning my home come true! I will be 100% back in 5 years time. 10/10.

I recently had the pleasure in dealing with Sarah Morgan at the mortgage bureau and her service was upstanding. She made sure to find me the best deal for my needs. She was always encouraging, prompt and a very approachable adviser. I couldn't thank you enough for all your help, Sarah. Thank you!

great service from Ryder & Dutton especially from Lisa Royle who showed great caring ,patience and professionalism in dealing with our purchase

Many thanks to Holly & the team at Ryder & Dutton , Middleton. Helpful & professional throughout, making the sale of our family home as stress free as possible.

Second time I’ve used Sarah Morgan and I honestly wouldn’t go else where, absolute delight and very professional along with Anne. couldn’t fault them, they made me feel very at ease, a true pleasure, would recommend highly 😊 …

Lisa has made the process of buying my first house extremely smooth and it's been a pleasure working with her throughout the process. She's always been polite and understanding and I can't be happy enough with the service I received! Would definitely use again!