Cos was an absolute pleasure to deal with throughout the entire mortgage process. He went far beyond what I expected from a mortgage advisory perspective and developed a strategy and long term plan for my future investments. His desire to protect his clients enables him to fully gain trust, which is vital when dealing with property. Obtaining a mortgage in principle within 24 hours, followed by a formal mortgage offer a few days later was far beyond my expectations and was a crucial factor in my purchase of the property. I cannot thank Cos and the Element team enough for their incredible service.