Reviews

Senita helped myself and my partner get our first mortgage for our first house. Her hard work has been absolutely invaluable to us as we have had small credit blips on our record. Answered every phone call and email and always answered our questions in a timely manner and very patient with us as we were desperate to secure our mortgage. 10/10 would recommend to anybody 😊

We honestly can’t recommend AMA enough! From our initial dealings with Daniel through to Melisa taking over and looking after us throughout the rest of the process, the service has been amazing. As first-time buyers, the whole mortgage process felt quite daunting, but Daniel and Melisa were both incredibly helpful, knowledgeable and reassuring throughout. Melisa was always there to answer our questions, keep us updated and guide us through everything, which made the whole experience so much easier. Melisa even went above and beyond by calling me on a Saturday to let us know that our mortgage had been approved, something we definitely weren’t expecting and really appreciated! Thanks to the team at AMA, we got our mortgage offer and can now move forward with buying our home. We’re so grateful for all their help and genuinely couldn’t recommend AMA enough.

I cannot rate this team highly enough. I have been dealing with both Dan and Melisa and they have been simply outstanding right from my very first phone call. As mortgage brokers their honesty and clear communication stood out at every single step. They explained everything clearly kept us fully informed and made what can be a stressful process feel straightforward and manageable. I would absolutely recommend their services to anyone.

I honestly can’t recommend AMA enough! They are all so friendly, approachable and incredibly easy to deal with throughout the whole process. Their communication was absolutely tip-top, and they always got back to me so quickly—often almost immediately whenever I had a question. Most importantly, they managed to secure me a mortgage which i didn’t think was possible at the stage i was at. They went above and beyond to make it happen, and I couldn’t be more grateful for all their help, support and hard work. I can’t thank them enough and would 100% recommend them to anyone! Thank you Melisa, Dan & Vesta 🙂

5-Star Review for AMA We honestly couldn’t recommend AMA highly enough, and in particular Dan and Vesta, who were fantastic from start to finish. Our mortgage application was slightly more complicated due to some previous issues, so we were understandably quite nervous about the process. Dan was brilliant from the outset, taking the time to understand our circumstances, giving us honest advice and helping us understand what was realistically achievable. Vesta was absolutely amazing throughout the application. She kept us updated at every stage, was always available to answer our questions and, most importantly, took the time to explain everything to us in a way that we could actually understand. Buying a house can be incredibly stressful, but having someone so supportive and reassuring guiding us through it made such a difference. Dan and the team also managed to secure us a much better mortgage deal, which meant we were able to borrow more than we initially thought possible. That ultimately enabled us to buy our dream home, which we genuinely didn’t think was going to be possible at the beginning of the process. We are so grateful to Dan, Vesta and everyone at AMA for their hard work, knowledge and support. We wouldn’t hesitate to recommend them to anyone looking for a mortgage broker, especially if your circumstances aren’t completely straightforward. Thank you for helping make our dream of owning our home a reality! 🏡❤️

Thank you so much Nicole and Senita for helping us secure our mortgage as first-time buyers and for providing such an excellent service throughout the process. Your professionalism, dedication and expertise made what could have been a very stressful journey feel so much easier. You are truly excellent at what you do, and we really appreciate all your hard work and support. We would highly recommend you to anyone looking for knowledgeable mortgage brokers. Thank you again!

Excellent service from AMA Financial services from start to finish. A special mention to Melissa Muse, who was fabulous throughout the the whole Mortgage process- always helpful, Professional and supportive. She made everything straightforward and stress free. I couldn't recommend Melissa and AMA highly enough. Thank You !

I honestly dont know where to start with this company. I recently had cancer and received my life insurance payout I wanted to use this get a house for my family I had a really large £25k deposit i had adverse credit in the past that was all cleared by the payout. All other brokers had said I had no chance. This company was recommended to me by Chat GPT of all people. From my initial phone call and the day I was blessed to have Nicole it was never a no!!! She worked through it all and within 1 week I had my morgage offer. Im now sat in my new build 4 bedroom property and my children's lives have changed for the better. They now all have thier own space to goto. Which for SEN children is a life saver. If your struggling with other brokers dont even bother come to AMA I cant recommend them enough.

Both Nicole and Senita have been amazing at getting us our mortgage offer. From our first phone call with Nicole, she set out a clear path and explained everything! No question was to much. Senita did not stop until we got our mortgage offer and again We can not Thankyou both enough! Even though our mortgage offer has been excepted we know we’re still not alone and that means a lot to us! Thanks, Andy and Sarah

From 1st call to mortgage offer - one week! Daniel and Vesta at AMA Financial Services have been absolutely brilliant from start to finish. Our case was not straightforward at all. We had already been through a very stressful time with previous brokers and lenders, with multiple setbacks due to the property type, service charge and credit-file history. By the time we contacted AMA, the whole process was really starting to weigh on us. Daniel and Vesta took the time to properly understand the full situation from the beginning, were honest about the options, and managed to find a lender where others couldn’t in a WEEK's time! The communication was clear, fast and professional, and we finally received our mortgage offer. This has been a massive relief for us and we are genuinely grateful for the help and effort put in. I would definitely recommend AMA Financial Services, especially if your case is not completely straightforward and you need someone who actually knows what they are doing. Thank you again to Daniel and Vesta.

Very helpful and knowledgeable and a brilliant service

Hayley at AMA handled our case and she was absolutely amazing! She put so much time & effort into everything and her positive attitude throughout the whole process kept us going. Would highly recommend using AMA brokers.

I really can’t thank Daniel & Melisa enough. From the very beginning Daniel was responsive and informative advising me of what was best in my situation. I didn’t actually think I would be able to get a mortgage so was pleasantly relieved when Daniel confirmed I could, and for a house that I thought was out of my budget. Melisa carried on with my documents & was so friendly & caring whilst keeping me updated. I didn’t know what they were up to behind the scenes in terms of ironing out a few issues and I couldn’t have been any more grateful. There is absolutely no way I would’ve been able to get my mortgage, never mind at a reasonable rate without the support of Daniel & Melisa. Thank you, once again, I truly am grateful.

Outstanding service from Dan, Melissa and Vesta at AMA Financial Services I honestly cannot recommend Dan, Melissa and Vesta highly enough. When I first started looking into buying a home, I genuinely believed I might not be mortgageable. My financial history was not perfect, and I assumed that getting approved for the kind of home I wanted would be out of reach. I originally found Dan through TikTok and started following his advice. What stood out immediately was how clear, realistic and straightforward he was. There was no pressure and no false promises. I listened carefully to what he said, followed the guidance, worked on my finances and put myself in the strongest possible position. From the first conversation, Dan treated my situation seriously and gave me confidence that there may be a route forward. He understood the bigger picture, explained the process clearly and helped me believe that home ownership was actually possible. Melissa was absolutely brilliant throughout the application. Her communication was excellent, she kept me updated, answered my questions patiently and helped make a stressful process feel manageable. Even when I was overthinking every possible issue, she remained calm, professional and reassuring. She made me feel as though my case genuinely mattered and not like I was just another application. Vesta was also fantastic and contributed to making the whole experience feel organised, supportive and professional from beginning to end. The result was better than I could have hoped for. I received a mortgage offer for my new-build five-bedroom home, and incredibly, the valuation and formal offer were completed on the same day. That was a moment I honestly did not think would be possible when I first began this journey. This team did far more than arrange a mortgage. They helped me turn something I thought was unrealistic into a reality. Their knowledge, communication, honesty and encouragement have been outstanding. A huge thank you to Dan, Melissa and Vesta. I will always be grateful for the part you played in helping me secure my home. I would recommend AMA Financial Services without hesitation.

Senita and Nicole were both brilliant throughout the whole process - got us a really competitive rate and we were able to maximise our borrowing capacity. Highly recommend!

Hi thank you to Hayley and Vesta for your lovely support and your understanding and helping through our mortgage application really appreciate your hard work and kindness 😊

⭐️⭐️⭐️⭐️⭐️ I cannot recommend AMA Financial Services highly enough. They have been absolutely incredible from start to finish, especially given how unique and challenging our situation was. Before contacting AMA, I had already approached 4 or 5 banks and building societies directly and was honestly getting to the point where I was ready to give up. I felt like getting a mortgage was becoming impossible, but within just 5 minutes of submitting the form on the AMA website, Hayley had called me, listened to our situation, and reassured me that a mortgage could quite possibly be achievable. That one phone call completely changed everything. From that moment onwards, Hayley was amazing. She guided us through every step of the process, answered all of my (many!) questions, kept us updated, and always took the time to explain things whenever I was confused or overwhelmed. I’m sure some of my emails were fuelled by a mix of exhaustion and uncertainty, but Hayley was always patient, understanding, and reassuring. When we finally received our offer, Charlotte and I were absolutely over the moon. After such a long wait, it was such an incredible feeling knowing that Hayley had pulled it out of the bag for us, especially in such a unique scenario. Thanks to AMA, we now have a mortgage secured and, hopefully in just one month, we’ll be moving into our brand new home — something that felt very uncertain only a short while ago. A huge thank you to Hayley in particular for her hard work, dedication, and determination. She went above and beyond for us, and we genuinely couldn’t have asked for anyone better to be in our corner throughout this journey. Thank you AMA Financial Services — we will absolutely be recommending you to anyone looking for mortgage advice, and we hope you’ll still be there for us when it’s time to remortgage! ⭐️⭐️⭐️⭐️⭐️

Absolutely fantastic from start to finish Melisa and Daniel are just absolutely brilliant. I never thought in a million years I could get a mortgage till I reached out to AMA. From start to finish they explained everything with care and detail. I cannot thank Melisa enough the whole process has been fantastic and I could not recommend you enough. Thank you so much for everything.

After previously being turned away by another mortgage advisor saying we could not get a mortgage yet for the amount we wanted I went to Adverse Mortgage advisors who I could not recommend enough. They managed to secure us a mortgage for the amount we wanted and the whole process was easy and we were kept updated throughout the whole process

Where do i start! Its has been an unbelievable experience working with AMA! We had Hayley as our broker who i can't thank or praise enough for dealing with our my million silly questions/queries, but yet she was always there to answer them without an issue. We came in with very little belief we would be able to get a mortgage, but with Hayley working her magic constantly whilst jump a few hurdles, we now have a amazing place we can call home and where I can raise my little family. I also want to take Melisa M for stepping in for Hayley while she was of on a well deserved break, Melisa pushed this through for us effortlessly(i know it was stressful 😂). My thanks also goes to Vesta who was always there to assist very promptly on any enquiries we had. Can't thank you ladies enough! Absolute dream team! The Zaria-Suleiman's ❤️

We had an excellent experience working with Hayley throughout our mortgage application. From the very beginning, Hayley was professional, knowledgeable and reassuring, taking the time to explain each stage of the process and keeping us informed along the way. Our application wasn’t completely straightforward as foreigners, but she remained proactive, responsive and committed to helping us achieve the best possible outcome. Whenever additional information was requested, Hayley acted quickly and kept communication clear, making what could have been a stressful process feel much more manageable. She also kept us updated on key milestones, including the valuation and lender progress, which gave us confidence throughout the application. Thanks to her expertise and persistence, our mortgage was successfully approved. We genuinely appreciated her patience, support and dedication from start to finish. We wouldn’t hesitate to recommend Hayley to anyone looking for a knowledgeable, reliable and customer-focused mortgage adviser. Thank you again for all your help!

I cannot thank Hayley Noon and the team at AMA Financial Services enough for their outstanding support throughout my mortgage journey. After being declined by another lender, I was extremely worried and unsure whether I would be able to secure a mortgage. Hayley immediately gave me confidence and worked tirelessly on my behalf from start to finish. My case involved numerous lender queries, additional checks, document requests and significant delays. Throughout the entire process, Hayley remained professional, patient and supportive. She constantly chased the lender, kept me updated, answered all my questions and always made time to help whenever I needed advice. There were many stressful moments during the application, but Hayley never gave up and continued fighting my corner. Her dedication, persistence and hard work resulted in me receiving my mortgage offer when I had almost lost hope. I would highly recommend Hayley and AMA Financial Services to anyone looking for a knowledgeable, trustworthy and genuinely caring mortgage adviser. The service I received was exceptional from beginning to end. Thank you again, Hayley. I will always be grateful for your support and everything you did for my family.

� � � � � Hayley at Ama Mortgage was brilliant from day one. First-time buyer, no clue what I was doing, and she guided me through every step. Always quick to reply, explained everything in plain English, and fought my corner with the lender. Just moved into my new home and I honestly couldn’t have done it without her. If you want someone who actually cares and knows her stuff, ask for Hayley. Can’t thank you enough!

"From finding Dan on TikTok to being passed over to the safe hands of Melisa, the experience has been seamless. I cannot recommend Melisa enough. She managed to get our mortgage application from submission to a formal offer in an incredible 15 working days! From day one, she has been absolutely brilliant—keeping us updated and ensuring everything was smooth sailing from start to finish. Thank you, Melisa! 100% recommended."

Wow what a fantastic experience I have had I was declined by another brocker and told it was not possible to get a mortgage and then I spoke with Dan and his super hero powers managed to get me a mortgage offer, he was honest,professional and always available to answer any questions, Dan and Melisa was so good and super responsive to anything I needed, from the bottom of my heart I thank you both for changing mine and my families life you are truly superhero’s and amazing and I would recommend this company to anyone 5 start service throughout. The best

I can’t thank Hayley enough for all the effort she has put into securing such a great mortgage offer for us. We truly appreciate all of her hard work, dedication, and support throughout the process. Her help has been invaluable, and we are extremely grateful for everything she has done.

Hayley is a godsend ! Her dedication and service has been outstanding. I contacted AMA after watching Dan on a TikTok live for “bad credit” customers. Approached AMA in July 2025 in a bad state overall financially but got an offer with a specialist lender and high rate which didn’t work out. I gave up and went ghost BUT THEN .. January 2026 things had changed for good. I reproached Hayley and she got back to me swiftly and happily worked through it again with me. Secured a mortgage with high street lender and low rate. Completed my purchase today. Never thought I’d be a homeowner. Many thanks to Hayley and her team for making this happen!

Can’t thank Dan & Melissa at AMA enough! We thought we would really struggle getting a re-mortgage. But from start to finish it was about 2 weeks we had a full Mortgage offer! Please use these guy they’re awesome 👍😀

I had such an amazing experience with Adverse Mortgages from start to finish. The entire process, which I initially thought would be stressful and complicated, turned out to be smooth, efficient, and surprisingly straightforward thanks to their incredible team. A special thank you to Hayley, who was absolutely fantastic throughout. She was not only professional and knowledgeable, but also genuinely caring and attentive. Hayley took the time to explain every step clearly, answered all my questions patiently, and made sure I felt confident and supported at every stage. Nothing ever felt like too much trouble for her. What really stood out to me was the level of communication and transparency. I was kept informed the entire time, and everything was handled with such care and efficiency. It’s clear that customer satisfaction is a top priority for them. I honestly couldn’t have asked for a better experience, and I would highly recommend Adverse Mortgages to anyone looking for expert guidance and a stress-free journey. Thank you again, Hayley, for going above and beyond!

Hayley and Melisa were amazing to work with ! We are first time buyers who previously had a mortgage advisor that wasn’t so great and had us going in circles for weeks, making us feel very anxious about the mortgage process. Hayley and the team came to the rescue putting us at ease and had our agreement in principle and application done within 24hrs. Easy to speak to and can advise on your situation in a way that’s easy to understand. Application to offer in less than a week - this team is super ! ✨🥂

Nicole and Senita were excellent. We had previously received some poor advice from another broker, so the difference in service was immediately noticeable. I reached out to AMA on the Friday evening and Nicole came back to me on Saturday. Within a matter of days, we had a mortgage in principle agreed following an underwriter review, and less than two weeks later we received our official mortgage offer. They were fast, clear communicators throughout and consistently kept us updated at every stage of the process. We have been extremely impressed with the speed, communication and overall support throughout.

Nicole and her team have been fantastic from start to finish. I could not recommend this company enough they are thorough, competent and by far the best company I have ever used! My case was very complicated but Nicole guided me every step of the way as a first time buyer. You guys should be so proud of the work you do! Thank you once again!

Nicole and the team have been amazing 🤩 They have been patient (I changed properties) and very responsive to questions. I cannot fault the level of service I have received. I will be going back when my remortgage is due. I would highly recommend AMA.

Amazing support from the team from beginning to end. Made the process for first time buyers super seamless. Nicole was forever patient and so helpful in explaining what was needed and took all the stress out of the process whilst Senita really made sure everything ran smoothly - both were incredible to work with.

Unbelievable experience, Dan and Melisa were exceptional in helping us get a mortgage, both me and my wife did not believe it would be possible yet, Dan and the team are honestly so good at what they do! From the advice you get from Dan on TikTok to the endless phone calls and emails we made the whole process was seamless. Dan and the team cannot help you enough, the team at AMA are worth every single penny, if you’re a potential customer reading this please don’t be afraid to have a call because the team at AMA can help absolutely everyone! Thank you all so much, big shout out to Dan and Melisa for helping us every step of the way! ❤️

We've worked with Daniel and his team for years, helping us to first of all navigate the remortgage of our house and more recently as we looked to purchase our next home. Daniel gave us such valuable advice and was on hand to help us at every step of the way. Making the mortgage application the least stressful part of the process. We'll be back in a few years when we need to remortgage!

We found Daniel when we were looking to remortgage after purchaing our first home back in lockdown. This meant we had little interaction with the bank during our purchase and were extreamly unsure about how to go about remortgaging! Daniel provided so much advice and was so patient with all our questions. He was really on top of finding us the best offer and then was on top of chasing the bank and solicitor to get stuff done. Honestly, we barely did a thing. Total life saver. See you in 5 years for the next one!

I highly recommend AMA, from finding dan on TikTok to speaking with him and our amazing mel they have been absolutely amazing during our mortgage process which at the start for any first time buyer is daunting but we have had constant communication and reassurance the whole way through the process and myself and my husband kieron cannot thank Dan and Mel enough for helping us achieve something we did not think would be possible for us i am so glad i found them and i would recommend anyone to book a call and have a chat with them everyone in the team we have spoken to have been so lovely and amazing thank you again so so much you have been absolute angels xx

Honestly, I don’t know where to start! I had an application declined with another broker back in October 2025. I was told there were no other options due to my adverse history, which I didn’t believe was the case. I then contacted AMA and got the ball rolling with another application, working with the maestro, Hayley Noon, who was honestly there for me throughout the entire application stage—keeping me updated and answering her phone whenever I needed, especially as there was so much going on mentally. Once the mortgage offer was received, Hayley continued to support me throughout the conveyancing process, providing advice and guidance. At no point was I left wondering what was going on, because I always had answers. When the solicitors needed chasing and wouldn’t respond to me, I would let Hayley or Vesta know, and they would follow up and get the answers for me. I would also like to thank Vesta and Melissa for stepping in while Hayley was on leave (yes, mortgage advisors do have a life!).

I got in touch with Daniel after coming across one of his Videos on Tik Tok. Having reviewed his content I felt compelled to get in touch as Daniel and his team were offering a service which I knew would be ideal for my current financial position. To say the least, the process has been nothing short of 5 stars. Since being in a position to make an offer on our dream home, Daniels team and mainly Melissa took full ownership of our application. Melisa was able to get us a mortgage in principle within 24 hours, and we soon started the application process. Within 2 weeks, we have recieved an mortgage offer and we are now in a position to proceed with the purchase of new home. I cannot begin to thank Melisa, Daniel and the team enough for all their hard work and dedication in getting us an offer so quickly. They have gone above beyond, always being on hand to answer questions, sharing reassuring updates and to make sure everything ran smoothly. I'm so happy that we will maintain our relationship throughout the life of our mortgage and you truly offer an exceptional service. I would highly reccommend AMA if you are worried about your buying position and to get in touch and have a chat.

Just got our mortgage offered using AMA. Absolute pleasure to deal with everyone, but especially our broker Nicole. Nicole was extremely knowledgeable, professional, efficient, and nothing was too much trouble. Communication was quick and excellent and everything was explained thoroughly. All of the stress I felt at the start of the process was taken away, and it was such a smooth process. I would not hesitate to recommend AMA. Thank you so much.

Nicole was helpful, friendly, and determined to get a deal agreed.

I honestly can’t thank my mortgage broker enough for what he did for me. My case was complicated, and at times felt getting a remortgage offer was impossible. But he truly made the impossible, possible! He is very knowledgeable, professional and determined. He clearly knows his stuff and explored every option until he secured a remortgage offer for me. What stood out the most was how supportive and reassuring he is throughout the whole process. He explained things clearly and kept me updated. If you’re looking for someone who goes the extra mile, I definitely recommend AMA financial services!

I would Highly recommend AMA Me and my Girlfriend have recently just gone through the application process with Dan and Melisa who are a credit to this company and secured us a mortgage offer. They are both very knowledgeable professional and great at what they do very polite helpful throughout the whole process and they have your back right from the get go. Don’t hesitate if you have any question get in touch with them and don’t look back honestly you won’t regret it this company changes lives. Dan and Melisa are very quick and efficient. Once again thanks to the AMA team really appreciate all the help and support.

I honestly can’t recommend Dan enough he’s been amazing from start to finish. From the very first conversation, his confidence and knowledge put me completely at ease and made me feel like I was in safe hands. Dan and Melissa managed to secure my mortgage first time around, which meant so much to me. The whole process can be stressful, but they made it feel straightforward and under control. Dan is extremely professional, genuinely dedicated, and always quick to respond no matter how many questions I had. I’m so grateful for how smoothly everything was handled. I would choose them again without any hesitation, they are worth every single penny. I honestly couldn’t recommend Dan and Melissa more they really do go above and beyond.

I honestly can’t recommend Hayley and Vesta enough. Over the past 5 months, they’ve been absolutely incredible from start to finish. Buying a home comes with so many highs and lows, but they were there through all of it—always supportive, patient, and reassuring. Nothing ever felt like too much trouble, and they took the time to explain everything clearly, which made such a difference during what can be a really stressful process. Today I picked up my keys, and I genuinely don’t think I’d be here without their help. I’m so grateful for everything they’ve done—thank you for making this dream a reality!

Where do I start!! This is the second time I have come to Daniel with securing me a mortgage! His so amazing at what he does and delivers every time!! I couldn't be more happier with the service he has provided and I'm so happy in my new home! The patience he had for me was amazing as im such a worrier, but I had nothing to worry about in Daniels hands! Thank you so so much Daniel for everything! I will continue to use Daniel in the future, would highly recommend!

Hayley has been absolutely fantastic throughout the entire process. Her speed and efficiency in getting everything sent off was incredible, and she kept us informed every step of the way with clear updates and great communication. From having our offer accepted to submitting the mortgage application and receiving the offer all within a week — it was seamless and stress-free thanks to her hard work and dedication. This lady is your go-to! A true superstar — couldn’t recommend her highly enough ⭐️⭐️⭐️⭐️⭐️ She is a credit to your company.

Would highly recommend using ama, 1st class service from start to finish.

Dan and Melisa have been amazing with us, guiding us every step of the way and our mortgage offer was with us so quick. Highly recommend for everyone looking for a friendly, easy to speak to and straight talking broker. They really work hard to get the best deal they can for you.