"Very many thanks...... superb and impressive service over the past few years....
If only others were as efficient and helpful!
Brian Weeks
"I contacted Matthew about a first time buyer mortgage and the service I received was excellent. Great communication and dealt with quickly and thoroughly. I would highly recommend to others."
Allison Logan
"I contacted Wendy re advice concerning my personal pension plan. Very impressed with the time she devoted to my issue and the help that she gave me in resolving it."
Jeremy Scholes
"Having renewed our mortgage with our current lender for the last few years my husband and I were concerned that we might be missing out on a better deal elsewhere. We contacted Wendy Cochran and asked her to provide some options and ended up staying with our current mortgage provider on her recommendation. Wendy's assistance and professional approach was much appreciated and we would have no hesitation in returning to her in the future or recommending her services to friends."
Jo James-Yorke
"Wendy is a professional who is an expert in her field. Her advice has both saved and earned us money over the years. She is fast and efficient and extremely easy to talk to. She has just arranged remortgages for us within days of asking, all over the Christmas holidays. We wouldn't trust anyone else with our investments, thank you. We would highly recommend Wendy to anyone. Our family have also used her services and speak of her highly."
Gary Kerr,
"I initially used Dalbeath and Wendy about two years ago to get better deals on some of my buy-to-let mortgages. I found the service exceptional and the outcome was an outstanding package with a new lender with a highly competitive rate. Now that initial two year fixed rate is due to expire, Wendy has pulled the proverbial rabbit out the hat again with an excellent new two year fixed rate deal. Wendy is hugely efficient; professional, friendly and engaging- and clearly very customer focussed. Strongly recommended!!"
Mark Davies
"Thank you to Matthew for the advice he gave to me regarding my present and future financial situation. It was quick, clear and very understandable. Highly recommended indeed."
Rita
"A helpful and very speedy response to my pension queries. Thank you."
J Taylor
"Sound advice and readily available to discuss any questions"
Tina Fiber
"Wendy has helped us when moving house and again when remortgaging this year. She got us a great deal on both occasions (especially as we had been in a tricky position with a previous debt and were struggling to get a mortgage anywhere). I can definately recommend Wendy and Dalbeath Financial highly."
Susan Brown
"Matt provided a very thorough review of my situation and offered clear, straightforward advice. Always professional, quick to respond and set out jargon-less pros and cons at all stages. Would happily recommend his services."
Steven Dailly, Edinburgh
"Although all done without face to face contact, I was completely at ease with Matt Harris's efficient handling of my DB to DC pension transfer. Having spent a considerable amount of time comparing the services of half a dozen IFA's, I have no hesitation in recommending Matt to anyone looking for a review to determine the appropriateness of a pension transfer."
David Nicholson, Aberdour
"The help in transferring my pension was brilliant, kept informed on every step, and when their seemed to be a delay by one company in transferring the funds it was chased relentlessly. I will definitely use again if I'm doing anything that needs financial advise. Thanks again Mathew you were great"
Paul Dyche, Rosyth
"I have known Wendy and Matt for several years now and do not hesitate to recommend them to all of my clients. Through Dalbeath Financial Planning, Wendy and Matt deliver excellent specialist technical advice in a client friendly manner, demonstrating real empathy and bespoke advice. I have received 100% positive feedback from my clients, in terms of both the service and returns they have received."
Lorna Brown, Solicitor and Owner, Caritas Legal Ltd
"With early retirement in mind I contacted Wendy at the start of the year to discuss options. Closer to retirement I returned and Wendy validated my numbers along with a full financial review which I requested. I got a lot of very useful information through this process enabling better decision-making. In summary; sound advice with zero push to sell services."
Alan Haldane, Kirkcaldy,
"The service provided was extremely helpful and informative without jargon so there was no confusion only straight forward sound advice, thank you Wendy."
Elizabeth Anderson,
"Appointed Wendy as my financial advisor when I retired just over a year ago. The service provided has been fast and thorough and I am totally satisfied with same to date"
Tom Cruickshanks
"Matthew was very honest and professional and put me at ease from the start, he explained everything about my pention options in great detail and answered all my questions promptly. I will definitely be recommending Matthew."
Andrew Warrender, Fife,
"A pleasure to work with. Knowledgeable and helpful."
Chris S, Swansea,
"I contacted Dalbeath Financial Planning regarding a DB deferred pension I have. I received advice from Matt regarding this and found him to be very knowlegable and professional in dealing with my enquiries and I assure you, there were many! I did expect to pay a fee for this advice given the amount of questions I asked Matt, but this wasn't the case, it was free, in my case! All I can say is, I will be using Dalbeath again in the future and would highly recommend them to anyone looking for financial guidance like myself."
Stuart Watson,
"I was looking for an independent financial advisor to guide me through pensions mine field on transferring defined benefit to defined contribution schemes. Mathew was extremely helpful and well informed on such matters, he took care of all the paperwork clearly advising me each step of the way, answering any queries in plain English. I will continue to use Mathew with similar matters, and would also use him without question for other financial advise. I feel very confident that he will give best advise, impartially, with clients best interest in mind."
Brian Taylor
"Very helpful and efficient. Highly recommended!"
Brian Weeks
"Our family have used Dalbeath a number of times and always received a prompt, friendly and efficient service. They cut through the jargon and have provided just what we were looking for."
Colin Dolbear
"Very satisfied with the excellent advice received regarding investments. Recommended to friends and family who have also valued the knowledge and guidance given."
Maureen Gregor
"Matt Harris readily understood my financial situation and requirements when he set up an excellent portfolio for me a few years ago. He has continued to provide sound advice whenever I have needed it since then, which I find very reassuring and greatly appreciate."
Pamela Rae, London
"I would recommend Dalbeath, to all my family and friends. They steered me in the right direction, relating to pensions, fund management, and the tax people. Any problems are dealt with in an efficient and prompt manner."
Ed Stanley, Glenrothes
"I have read through your Initial Analysis document [on a final salary pension transfer] and found it both logical and highly informative. The analysis is quite compelling and I tend to agree that my sensible option is to stick with my final salary pension and possibly re-evaluate the situation in a couple of years when I hope to retire. The positive way of looking at this is that my final salary pension is worth more than I originally thought. That's not to say I might still prefer a readily accessible lump sum but the decision can wait for now. Thanks again for all your effort with this analysis and your professional objectivity."
D. Sharman, Milnathort, May 2017
"I had several pension funds and I wanted to consolidate these with the provider I had chosen which happened to be the the provider either the largest fund. I tried to do this myself but the chosen provider refused to transfer and consolidate the other funds without using an IFA to do this and put me in touch with their IFAs to do this. I reviewed their costs with a selection of local IFAs just to get all my funds consolidated and the most competitive was from Matthew Harris at Dalbeath. I contacted him and took up his offer of a financial review which was easy and simple to undertake, he understood my position and stance of being able to make my own financial decisions. He confirmed that my existing choices was a suitable reliable provider with amount the low operational cost providers and offered a compedative rate to manage the funds with my provider on my behalf with no long term commitment on this service. As I had just retired and had a number of commitments to undertake I decided to take up this option and have been very happy with the service provided. Many thanks for making this so easy and beneficial to undertake Matt, regards Neil."
Neil Innes, Dunfermline, May 2017
"Prompt, pleasant and specific response to queries regarding Defined Benefit Pension Transfer."
Graeme McGinnis, Dundee, May 2017
"I consulted Matthew Harris for financial advice and was very impressed by the prompt and detailed response to my enquiry. My situation and concerns were properly addressed before any advice was offered and I would have no hesitation in engaging Harris Independent Financial Advice in the future."
Steven Black, Edinburgh, May 2017
"I had a pension question which was cleared up with a few emails, I would certainly use this service again. Thanks again for your help!"
Derek Hood, May 2017
"I honestly can not thank Wendy enough for all her help organising my mortgage. Wendy has helped us several times over three years and each time her service has been outstanding. She provides a quick and supportive service. Thank you so much Wendy."
Kayleigh Grant, Dunfermline, April 2017
"Matt's advice was very practical, helpful and pragmatic. We were able to have a sensible conversation through the process which allowed me to get to the right outcome on my DB transfer. I would recommend Matt to any of my friends and colleagues who are looking for IFA advice"
Jason Budd, Larbert, April 2017
"Matt provided advice that I felt was truly in my best interests. There was no sales pitch or pressure, rather he reviewed my situation and gave balanced, informed options based upon my personal circumstances. I have recommended Matt to several friends and their feedback has always been complimentary also."
David Bennett, Fife, April 2017
"A great company, I met with Matthew and he clearly explained all my options and made me feel at ease. He has kept me informed about my investments and took away all my worries, I would recommend the company to anyone looking for financial advice."
C Brindley, Burntisland, April 2017
"I approached Matthew about transferring a final salary pension fund into a fund where I could manage the drawdowns myself. At the outset I was impressed how Matthew looked carefully at figures presented before recommending whether it was a good idea to do this based on my individual circumstances. I very much got the impression that if it wasn't right for me then he would say so which is exactly the advice I was looking for. In the end I did decide to transfer after receiving the pros and cons from Matthew and the transfer went through very quickly thereafter. I have opted to have Matthew manage the fund for me going forwards and I like the idea that I can contact him at anytime to discuss this I would have no hesitation in recommending Matthew to others"
S Boyd, Northumberland, April 2017
"You provided first class financial options advice re pension arrangements and helped me navigate the best way forward for my circumstances. Very professional and knowledgeable."
J Martin, Glenrothes, April 2017
"Very efficient service provided - pensions advice and pension transfer. Highly recommended."
Alistair Grant, Edinburgh, April 2017
"Wendy was absolutely fantastic to deal with. I had an initial home visit to talk through options for my pension. Everything was explained clearly and in detail. Any subsequent email queries were answered promptly with no fuss at all. Cannot recommend Wendy highly enough and would have no hesitation in recommending both Wendy and Matt to my friends and family. Extremely personable, professional, approachable and likeable! Everything went smoothly and I am more than happy to use their ongoing brilliant services."
Gail Haynes, Kinross, March 2017
"I came to Matthew for advice on pensions, as I felt I was being put under pressure by another IFA to make a pension transfer I did not want to do. By sending in the necessary details he requested concerning my case, and without even meeting Matthew in person, he was able to provide the sound advice I needed to know in order to make a life-alteratiing decision in just a few days. Thank you Matthew, as you provided the advice and support I needed in order to help me make a stressful and difficult decision."
Ken Sandilands, Edinburgh, March 2017
"Very straightfoward and honest assessment of my personal [defined benefit] pension packs over the phone and by e mail. Saving me having to travel. Matt even got back to me before end of the day and gave me the definitive answer I required and at no cost to myself. Will certainly look to him for financial advice in the future and recommend him to friends and family."
Charles McGregor, Glenrothes, March 2017
"Wendy is down to earth and really knows her stuff. She uses plain English, which is refreshing (and encouraging given that I know nothing about the world of financial management), but I'm sure she can talk Hedge Fund, Gilt, Equities or OEIC to anyone who shows an aptitude! Her reports are very easy to follow, she makes easy to understand suggestions and I feel involved in the management of my finances now. Past fund managers left me feeling that I wasn't in control of my own funds. I would highly recommend Wendy."
Jo Simpson, Dalgety Bay, February 2017
"The service provided was excellent, my query was handled promptly and efficiently and I would highly recommend this company to anyone looking for financial advice."
Duncan Shand - Crook of Devon, January 2017
"Having previously work as an IFA, I was more than pleasantly surprised at the service, regulatory knowledge and overall suitability of advice that Matthew Harris gave me. It was refreshing to be shown such a detailed insight into the latest devopments in pension freedoms and this coupled with past expert knowledge of hands on fund management convinced me I was in a safe pair of hands. Thank you."
John Tudor, Northwich Cheshire, January 2017
"Wendy provided a very professional and efficient service for me. I would highly recommend her to anyone looking for an IFA."
Charlotte Anderson - Dunfermline, January 2017
"I have found the financial advice and customer service to be of a very high standard and am more than happy to continue as a client"
Marilyn Robertson, Dunfermline, December 2016
"I gave Wendy a call regarding my pre_retirement options she visited my home next day and explained all my options in terms I could understand. She then organised all my pensions together under the one umbrella company where I now can go online and watch how my portfolio is performing. All transactions carried out without a hitch would recommend Wendy if you need any type of financial advice."
Alan Brand, Cardenden, December 2016
"I couldn't thank Wendy more - without her help I dont think we would have managed to get a mortage. She kept reassuring me everything will be fine. I don't know who she managed to cope with all my emails as I was panicking at every little stage in case something happened. If anyone is looking for a broker I would highly recommend Wendy."
Siobhan Rennie, Dunfermline, December 2016
"I contacted Matthew and we exchanged e-mails re my pensions. I found Matthew friendly and approachable and he was very quick to respond with his advice and was very helpful. I would recommend his services to friends and family."
Linda S (pension advice), Edinburgh, December 2016
"Friendly, knowledgable and professional. I've now used Dalbeath Financial Planning to help me set up a pension and a mortgage and I've been very impressed with their services. I think they offer excellent value for money and will happily use them again."
Craig Russell, Fife, November 2016
"I was hugely impressed by Matt Harris, who provided a very quick and efficient service in dealing with a remortgage. Emails were always returned swiftly and his advice was really appreciated. I felt completely reassured that everything was in safe hands and to turn the entire process around in a little more than 10 days was much faster than I imagined! Thank you."
Gavin McEwan, Edinburgh, November 2016
"I first met with Wendy several years ago when I was semi retired. Wendy came to our house and we sat together ,my wife, myself and Wendy to complete the initial consultation paperwork and Investment Risk assessment. We wanted to look at different investment options and to consolidate pensions, savings and investments. Wendy collated all the different financial information from ourselves and established our financial goals and investment risk attitude. At the next meeting Wendy had a Risk Profile Summary and a comprehensive financial planning report that was well explained and easy to follow with emphasis on explaining how the old investments charges that we were paying worked and how these monies could be easily saved. It was the best explanation we had received on how to invest without paying additional charges. We took all this advise on board and opted to give our business to Dalbeath Financial Planning. Since then our business has been seamlessly handed over to Matt and after several face meeting with Matt we continue to prosper with the company. Matt has advised on pension and offshore investments and sends an annual review updates with recommendations as required. I have recommended Dalbeath to family and friends and have had very positive from them all, quote from family member "that lassie wis like a breath of fresh air and knows what she is talking aboot". They are trustworthy, honest and I Highly recommend them."
Brian Imrie, Auchtermuchty, October 2016
"Friendly, efficient service and excellent impartial advice"
Gareth Griffiths, Fife, October 2016
"Matt at Dalbeath Financial Planning has arranged numerous BTL mortgages for me. On the latest one he sourced a very competitive deal which has allowed me, not only to release equity but also reduce monthly payments. Matt and Dalbeath's attention to detail along with their level of service make them my chosen choice of IFA. They also keep you informed through every step of the process and make it as stress free as possible. I can recommend them to everyone and anyone no matter what their financial needs."
Chris Rait, Linlithgow, October 2016
"My husband and I cannot rate the mortgage advice and broker service that Matt provided for our first house purchase highly enough. We were completely new to the process but felt very confident that we were receiving excellent guidance and support right from the start. Matt made what we're sure could have been a long and drawn out process incredibly straightforward and speedy. We really appreciated being able to communicate by email as this gave us time to consider the different options, and we were thoroughly impressed at how quickly Matt responded to our many queries (even at weekends and evenings!). We would definitely use Harris Independent Financial Advice in future and feel 100% confident recommending them to family and friends."
Cassandra Ferguson, Edinburgh, October 2016
"Straightforward and quick to answer any questions about the mortgage application"
Sam St-Clair Ford, Edinburgh, October 2016
"My fixed rate mortgage was renewed at a good rate with no fuss or having to go through loads of paperwork within 2 days of contacting Wendy. It was all done by email so no need to take time off work etc. I would highly recommend and will definitely use the service again"
Lesley Rafferty, Dunfermline, October 2016
"I am very happy with the services of Dalbeath Financial Planning, from my initial contact through to the present day. The products were tailored to suit my financial requirements, with clear explanations throughout. I found them knowledgeable,professional and friendly. I would not hesitate to recommend them."
Ann McLellan, Dalgety Bay, October 2016
"Wendy provides a fantastic service and had a mortgage in place for us within 24hrs of our first meeting. Would highly recommend to anyone looking for financial advice."
Craig Paterson, Dunfermline, October 2016
"Wendy had set up a property investment for my wife and I a few years ago, which we were very happy with. When we subsequently needed advice on retirement and investment options, we had no hesitation in getting back in touch. We then met with Matt, who provided equally clear, unambiguous and reassuring responses to our queries. The actions agreed were carried out very quickly and efficiently. It was a pleasure doing business with both Wendy and Matt, and we would strongly recommend them to others."
Eunice & Dave, Fife, September 2016
"Wendy helped me put my pension into income drawdown. Couldn't have been easier, all I had to do was sign. Extremely stress free!"
Mary Murphy, Dunfermline, October 2016
"We contacted Wendy when our bank informed us that we would no longer be privy to a financial advisor. Wendy arranged a home visit and talked us through our options in a friendly professional manner.She made changes to our investment portfolio and has made herself available to answer any queries we may have. We are so glad we found Wendy and would highly recommend her. Everyone should have a Wendy!."
Jack and Janice Smith, Kennoway, September 2016
"I met Matt for an initial consultation period as, being self employed, I wanted to check I was making the best use of my money. I found Matt to be professional, knowledgeable and most of all trustworthy. He gave an honest appraisal of my finances and could only recommend one product as all others were working well. There was no hard sell or pressure, just an honest objective view. Since then I have recommended Matt to friends and also used his services for a mortgage. The feedback from my friends supports my own experience which is that Matt is diligent, efficient and very personable. Highly recommended"
Dave Bennett, Dunfermline, September 2016
"We were recommended by friends who'd used you previously and spoke highly of Matthew Harris. We arranged an evening appointment at home and when Matthew arrived (on time) he put us completely at ease and took us through the various non-biased options for our re-mortgage. The options and advice he provided was first rate and the process was very smooth. We ended up with a mortgage that suited our needs and was far better value than that available on the 'high street'. If you're thinking about a mortgage or a remortgage we'd thoroughly recommend giving them a call. We'd certainly and will recommend to others. Thanks again!"
Mrs C.O, Edinburgh, September 2016
"You provided advice on 2 matters. If I should transfer out of my occupational DB scheme and whether I was nearing the Life Time Allowance. On both matters you gave direct and concise feedback, leaving me in no doubt as to how I should move forward. You presented sound reasoning for the advice you gave and there was no evidence of any vagueness, waffle or uncertainty. This was the first time I have approached an IFA and after this experience any fear I had has gone. In future you will be the first person I contact if I require financial advice. I also really liked the fact that we communicated via e-mail. I had a chance to consider my replies and didn't have to think-on-my-feet as I would have done had we been on the phone. I could also answer when it suited me."
Mark Jones, Edinburgh, September 2016
"I contacted Wendy with some general questions about tax codes and investments. Within two days she had sent me two detailed emails answering my questions in a very helpful manner to the extent that we agreed there was no reason for us to meet as I had envisaged. I requested a fee note for her help but she said she had not done enough to need to be recompensed. I was slightly embarrassed by this and thought the least I could do was to recommend her very highly for her professionalism, speed of response and genuine interest in my questions. I was very impressed!"
Brian L, Fife, September 2016
"Efficient and very approachable. This was a first time mortgage for my spouse and I and Matt could not have been more helpful explaining anything we did not understand, as well as talking us through each stage of the process. I personally have a high regard for efficiency and was therefore impressed with how promptly Matt would return emails/phone calls."
Rebecca Wilson, Edinburgh, September 2016
"Wendy was very helpful and so professional in her approach, she explained everything in detail and it helped us immensely !!"
Mr & Mrs Wilson, Glenrothes, September 2016
"Fantastic service in all aspects. Communication, process and handling documents were all excellent. I would highly recommend Wendy and Matthew."
Yvonne Beveridge, Lochgelly, August 2016
"Fantastic service provided once again by Matt. Mortgage renewed with no issues. I have recommended Matt and the team to several friends and they have all been delighted with what they have been able to do for them. Thanks again."
Linn Williamson, Dunfermline, August 2016
"Wendy Cochran provided me with advice regarding my mortgage application. I found Wendy via the internet and contacted her after problems with the another mortgage broker who had caused significant problems due to extreme slowness and lack of interest. What a difference with WC!. Wendy was extremely professional and quick to reply to all emails and general enquiries. The matter was resolved in a timely fashion and was entirely painless!! I would have no hesitation in recommending her and indeed have already passed on her details to my son and others."
Margaret-Jane Evans, Edinburgh, July 2016
"Excellent, friendly and very helpful. Only too willing to help and everything done at your pace. Would recommend to anybody."
Scott Provan, Townhill, July 2016
"Dalbeath Financial Planning (Matt) have provided an excellent, personalised service that has listened to our needs and guided us in the right direction with the right products. They have even referred us to similarly excellent complementary service providers where necessary. All round great service.
Daniel Rous, Glenrothes, July 2016
"They went above and beyond the call of duty in trying to sort out my pension arrangements up against a completely disorganised pension provider. Many thanks. I hope to call on your services in future."
David Davies, Kelty, July 2016
"The service I received from Matt was outstanding. He is knowledgeable. professional and customer-oriented. As a first time buyer with little knowledge of mortgages and the house buying process, Matt kept me informed and well advised every step of the way. He managed to secure a mortgage offer for me within a few days and answered any questions I had promptly (even at weekends). Couldn't recommend highly enough."
Kerry Kirkwood, Edinburgh, July 2016
"Wendy reorganised our mortgage, life assurances and arranged a trust deed for our son. Her service was professional, swift, efficient and smooth and we would not hesitate to recommend her to anyone in need of financial advice. We would definitely seek Wendy's expertise in future if needed."
Georgina and Stephen Lynch, Coaltown of Wemyss, July 2016
"We used Dalbeath when we bought our first home. From beginning to end Matt was excellent. Always happy to offer advice and very quick to respond to any questions we had. Extremely professional and patient. Would highly recommend Dalbeath to anyone looking for a mortgage advisor."
Michael McGuinness, Glasgow, June 2016
"The service we had from Matt was brilliant and we would not hesitate to recommend him to others. We had a slightly unusual set of circumstances but he dealt with all our queries very quickly and even managed to get us two mortgage promises within a very short period of time. He was extremely knowledgeable, put us at ease and was a pleasure to deal with. Thank you very much for all your assistance, Matt."
Sophie Noble, Edinburgh June 2016
"One to one regular meetings from a small firm of highly qualified Independent Financial advisers who provide impartial advice via face to face meetings and prompt correspondence with clear understanding of customer needs. Highly recommended."
Lyall, J, Fife, June 2016
"I phoned Matthew and discussed what was needed, and without hesitation he offered to help me, and without any charge. He promptly accessed the relevant information for me, and returned this information to me within only a couple of days. I found him easy to speak to, very understanding of what for me was a difficult and stressful situation, and an extremely good, prompt service. I would not hesitate to use Matthew Harris again."
Catherine Hunter, Edinburgh, May 2016
"The service I was provided was excellent. Hassle free and we have saved a fortune on our mortgage! I would recommend this service to anyone."
Josh Johnstone, Fife, May 2016
"The service was very friendly and helpful. There was no pressure. There was advice about what it would be helpful to do, and about what would be unnecessary. I would be happy to recommend the service to others."
George Alexander, Dunfermline, May 2016
"Matthew came to my home address to assist in reviewing my pension and general finances. Matthew was professional and friendly. His advice and recommendations were easy to understand and tailored to my best interests. Emails have been dealt with quick and have been very helpful. I intend to use Matthew in the future and will be highly recommending him."
Stewart Murray, Dunfermline, May 2016
"Finding and completing best mortgage deal. The lender was not particularly responsive and Matt worked hard to keep chasing them up and ensure everything went as smoothly as possible, answering all my questions along the way. A pleasure to deal with. Thank you."
Andrew Darlington, Inverkeithing, May 2016
"Having reached the grand old age of 65, I required independent advice on what to do with my work pension. After some investigation, I selected Dalbeath to see what they offered, along with details of fees etc.. Wendy Cochrane immediately impressed me with her breadth of knowledge, along with her not treating me as a total idiot. I'm only 5 months into her recommended drawdown options, and only time will tell how my investment goes, but I'm totally confident in her advice, and living close to her office should allow me to go and beat her up if things don't go well! Thoroughly recommended."
Colin Morrison, Rosyth, April 2016
"My wife and I would not hesitate to highly recommend Wendy Cochran for financial advice etc. Wendy was very understanding and very professional in helping my wife out with her pension's problems. Thank you very much Wendy.
Mr.& Mrs.W.Rendall, Dunfermline, April 2016
"As a freelance IT Contractor I required advice on retirement planning options. I originally contacted one of the large companies who position themselves as contractor specialists, however I was unimpressed by their impersonal approach and generic advice so took the decision to seek guidance locally. I arranged an appointment with Matt where he listened to my circumstances then discussed the options available to me. He was up front about the costs involved and at no point did I feel under pressure to purchase anything. He left me with additional materials to carry out my own research and told me to contact him if I had any questions or wanted to progress with any of the options we had discussed. I called back a few days to confirm I wanted to proceed with one of the options and Matt took care of the rest. Overall, I’m satisfied with the service I received and would contact Matt without hesitation for future advice."
Douglas Thompson, Dunfermline, April 2016
"You listened to our needs, surprised us by taking a wider picture view than we had thought necessary and pointed us in a different but critical direction initially (thank goodness!) then focused in on the areas in which you could provide expertise and advice that we did not possess. All with a sympathetic, listening and cost effective approach."
Lee Potter, Edinburgh, April 2016
"Convenient, friendly, supportive and relevant gives a good description of the service I've received relating to my pension affairs. Thank you, Matt."
Andrew Hubble, Dalgety Bay, April 2016
"Fantastic service! Wendy helped me arrange my first mortgage and I couldn't have asked for anyone more helpful."
Shelby Smith, Cowdenbeath, April 2016
"Excellent, first class service"
Frank McCormack (pension advice), Cardenden, April 2016
"Matt was a fantastic mortgage advisor. We were first time buyers with a difficult credit rating in which he was supportive and understanding. They were incredibly prompt and we could always get in contact with them. They advised on mortgages and because the house was a little tricky due to a flood, Matt contacted the correct people involved and also put us in contact with a lawyer who has experience dealing with issues. Matt was super organised and knew everything we needed to obtain the house we wanted. From start to finish his knowledge plus engagement was fantastic. I will always use him and his company and will refer anyone to get in contact. Fantastic service, and enjoying the rewards by sitting in our first home. Thank you so much!"
Caitlyn Mackie, Freuchie, April 2016
"Found competitive mortgage provider with the flexibility we required. After an interview at home, had a clear understanding of what we wanted and communicated all the steps to completion in a clear and informative manner. We're very pleased with the outcome and would use again once current term expires."
Ian Gaunt, Lincoln, April 2016
"In two words, excellent service. I came to Matt after giving a market a careful check, I was looking for a reliable, honest and timely service. Matt was patient with me as it is important to get financial matters correct the first time. Based on the information provided he gave me a wide variety of options on what was the best deal for me. This was backed with sound financial and mathematical reasoning. It allowed me to make a fair call based on clear information. I am very pleased and will be looking to advance my custom with Mathew this year. last, I would not hesitate in recommending them to any person who requires a sound financial advice."
Gagandeep Kahlon, Inverkeithing, April 2016
"Wendy is always responsive to my requests: focusing on the area I'm interested in, incorporating my ethical values, and even adapting communication format to suit me. She is also helpful in translating jargon and explaining financial structures in language I can understand. Many thanks."
Tamsin Pearson, Kinross-shire, April 2016
"Wendy was really helpful, quick and efficient. she explained things in a way that wasn't full of jargon and the pension fund was set up quickly."
Susan Mckendry, Cairneyhill, April 2016
"Supportive, clear advice provided for new pension schemes and savings accounts. Prompt efficient email response."
Philippa Wetton, Edinburgh, April 2016
"Very, very happy with the service and support provided."
Ross Wilkie, East Linton, March 2016
"Our experience of using Dalbeath Financial Planning has been fantastic from start to finish. Matt has given us some extremely helpful financial advice in the past, so he was our first point of call when we needed to get a competitive mortgage arranged in a short space of time. Matt couldn’t have done a better job for us - he found exactly the type of mortgage we hoped to get and turned everything around quickly, efficiently and with all the key considerations clearly explained. Even though we live in London, we would not hesitate to contact Dalbeath for any future financial planning needs, as Matt's advice has been first rate and he was readily accessible by phone and email every time we had a question. We will definitely be recommending Dalbeath to our friends and family."
Ross and Janet Teverson, London, March 2016
"I would like to say a huge thank you for relieving me of the stresses in giving me advice on my financial situation. Your advice was explained very well and was easy to understand. As you know I had previously tried to sort things out on my own but was getting confused with the terminology and explanations. Another great factor was the convenience to deal with you. You were able to work around me, fitting me in after work and also working on my case over the weekend. I had answers from you very quickly which was another bonus. I am really grateful for your advice and being understanding with the situation I was in."
Leanne Stewart, Leven, March 2016
"The service I received was outstanding,Matt took all the stress away from my mortgage application and keep me informed along the way. He made himself available at weekends too which was above and beyond. Thank you so much for making buying my new home as stress free as possible."
Vicky Knox, York, March 2016
"I needed advice on investment and buy to let mortgages. Very easy dealing with Matt Harris and I recommend his services wherever practical. Will definitely use in future"
Donna Martin, South Queensferry, March 2016
"Excellent service, prompt action and feedback. Gets the job done without hassle."
Scott Moyes, Dalgety Bay, February 2016
“We would like to say how much we appreciate the very helpful advice given by Wendy. Everything was explained very well and in a way which was very easy to understand.
Wendy very quickly understood exactly what our needs were and addressed them without any delay or jargon. Her breadth of knowledge is very impressive and she is obviously a very experienced adviser.
We would have absolutely no hesitation in thoroughly recommending her to others. In addition she is an extremely friendly and caring person who made our difficult decision making a very straightforward and enjoyable experience
Elaine and Michael Low (Dunfermline) February 2016
“I met Matt at a networking event and we developed a good and positive business relationship. I was in need of sorting my mortgage out and immediately felt at ease that not only could Matt arrange a good deal for me, but that he would do so fairly.
As a result, Matt found us a very good mortgage deal, and also arranged a better deal on our Life Insurance cover.
He engaged really well with my wife and I through the process and I would have no hesitation in recommending Matt to anyone in need of financial assistance.”
Daniel Rous, Glenrothes, January 2016
“Matt got me a great re-mortgage deal on my flat so much so I am saving £400 a month and I have just booked my first proper holiday, I am off to Dubai. Thank you for your help last year it really has changed my life.”
Linn Williamson, Dunfermline, Dec 2015
“We are no longer squatters !! All done and we have our home, thank you so much for all your hard work, blood sweat and tears almost seems appropriate in this case. Really really appreciate everything you have done and couldn’t recommend you highly enough – thank you!”
David and Caroline, Edinburgh, December 2015
“Just wanted to say many thanks for all your help Matt, we were absolutely delighted with the service and attention to detail Dalbeath and yourself in particular provided.”
“Very helpful, prompt and professional service, would definitely recommend.”
Oliver Epsom, Edinburgh, November 2015
“We couldn’t have been happier with the service and cost. You took away the stress of dealing with companies directly which made the whole journey straight forward, quick and hassle free. I have no doubt that had we not gone through you, we would not be sitting in our lovely home today. Extremely professional service and advice. Would recommend you to anyway who is trying to get the right mortgage in place. You kept us on the right track the whole way through the process which made securing the mortgage straight forward and quick. You appreciated the situation we were in and kept us up to date the whole time. Can’t thank you enough for helping us secure our first family home.”
Leanne Sawers, Cowdenbeath, November 2015
“Matt provided an excellent experience from a true professional who directed us to the most appropriate product. Investing in the long term for grandchildren made easy and practical. Many thanks for your friendly and professional advice.”
Tom Blackie, November 2015
“After seeking advice from two other financial advisers who failed to provide a plan after a period of four-six weeks, despite promises I had become disillusioned about seeking advice from another. I am so pleased that I contacted Wendy. She made an appointment at short notice and arrived at the time she had agreed. She listened and understood my pension needs and offered various options available that I had not thought of. Within 48 hours ( over a weekends) I received a complete plan that fully met my needs. I am absolutely delighted with the performance of my pension following Wendy’s recommendations. I would use Wendy’s services again without hesitation and will certainly recommend to family and friends who require financial guidance.”
Graham Wallace, Carnock, October 2015
“I got in touch with Wendy when I was looking to re-mortgage my house and change the title. I had a quote and an offer from a provider within 24hrs, she put me in touch with a great solicitor to deal with the legal aspect and it was all sorted within a matter of days. No question was too stupid (and I had a few!), Wendy always got back to me quickly and answered everything I asked. Top notch service and I’ve already pencilled in to get back in touch in 2yrs when my fixed term is due to finish! Great service and very happy to recommend.”
Colin Adams, Kelty, October 2015
“I approached Wendy for advice when I was looking to buy my second home with my partner. The advice and support we received was second to none, considering our situation was not the most straightforward! I would recommend Wendy’s services to anyone. She is warm , approachable and always willing to help no matter how complex and difficult the situation is. I found that whenever we came across a problem or stumbling block Wendy was always on the other end of the phone to talk our options through with us in a way that we were able to understand.”
Annette Frew, Glasgow, September 2015
“We would not hesitate to use Matt’s services again he is very helpful and professional. We found him to be open and transparent in all discussions and it made the process slick and stress free.”
Gemma and Marc, Dunfermline, August 2015
“Matt Harris of Dalbeath is an ideal financial advisor. He has advised us on pension management and on extending the fixed term on our mortgage in the last few months and combines good advice with a collaborative style of consultancy: he intervenes on your behalf if you want that. Alternatively, he will advise you on how to manage it yourself. Definitely an excellent and competitive service. We would recommend Matt without reservation”
Julian and Pauline Randall, Dunfermline, August 2015
“Matt arranged our mortgage on our new family home in Linlithgow. We were extremely happy with the service from start to finish. He was extremely good at keeping you up to date during each stage of the process and instils a sense of confidence at what can be quite a nervous time. As a result of Matt providing such great service I also asked him to source and arrange a buy to let mortgage for me which he did, with the same efficiency whilst ticking all the boxes along the way. I have recommended Dalbeath to various people since and will continue to use them wherever possible. Thanks guys.”
Chris R, Linlithgow, August 2015
“I first met Wendy when I lived in Glenrothes and was planning my retirement. I moved to Belfast shortly after retiring and had no hesitation in going back to Scotland to receive more advice from her and will continue to use her as her advice and professionalism as second to none as is her warmth and kindness.”
Heather Marshall, Belfast, August 2015
“We used Wendy’s IFA services for buying our first home and to set up life insurance. Both my husband and I work full time and have a young child, but Wendy met us at our home after work hours, which was great, and everything carried on smoothly from there. Wendy is very clear and patient, and generally goes straight to the point, which made us more confident about the decisions we had to make. We always received a quick response by email (often even on weekends!), so we didn’t feel the need to meet in person again after our first meeting – this made the whole process very efficient. Wendy dealt with all of the paperwork, and even put us in contact with a solicitor who we also found very helpful and efficient and completed the purchase process.
All in all, I can honestly say the actual purchasing of the house was the least stressful part of this whole adventure. I have every intention of requesting Wendy’s services again, should we need financial advice in the near future.”
Rita Tojeira, Auchtermuchty, July 2015
“After losing hope of a family home I decided to try a mortgage advisor. Matt at Dalbeath was excellent from start to finish and I am now the proud owner of my own house! Matt made it really easy for me by communicating by email and even kept in touch out of office hours…. Great service!”
Gavin P, Dunfermline, July 2015
“We first approached Wendy when looking to buy a new house in 2014. Although we didn’t continue with that purchase, we knew we would return to Wendy as we really liked her approach and manner with us. We were really confident that she would be able to find us the best solution for our needs. When purchasing this house, we had lots of questions and worries which Wendy always took the time to answer and reassure us, which we really appreciated during a stressful time.
Wendy helped us with both our mortgage application and life insurance policy, and having just completed our house move we can honestly say this was the least stressful part due to the service we received from Wendy.
We can’t thank Wendy enough for her guidance, support and knowledge and have recommended her widely to family and friends who require any financial advice.”
Stacey Orr and Colin Ramsay, Kirkcaldy, June 2015
“We had spent years fretting over our pension provision when we finally bit the bullet and contacted Dalbeath. Matt came out to see us that week and expertly led us through all the issues that had been confusing us. We are now confident we are putting enough away each month to ensure a reasonably comfortable retirement. Matt also gave us guidance on a number of other issues, such as life insurance and mortgages, but put no pressure on us to buy any products. I would not hesitate in going back to Dalbeath for advice in the future as I believe they are honest, trustworthy and knowledgeable.”
Iain and Kara Harrison, South Queensferry, May 2015
“We looked for financial help after months of stress due to credit card debt and an approaching mortgage renewal with a capital repayment due. We found Dalbeath after searching online and were very fortunate to do so. We initially exchanged some information by email but then met up to work out the best way to tackle our money issues. We worked with Matt Harris who is a complete professional, calm and reassuring. He found a new repayment mortgage for us which covered our credit card debt and enabled us to have a fresh start financially. He also brought our life insurance up to date and arranged new mortgage payment protection, saving us money on both while making them more appropriate for our needs. Lastly, he checked our pension provision and gave us advice. All in all we have had a financial overhaul and it’s a huge relief to have everything dealt with after thinking about it for so long. I can’t recommend this company highly enough. If you have a financial issue get in touch and get it sorted, you’ll be glad you did.”
Fiona McDonald, Aberdour, May 2015
“Had a very good and smooth experience with Matt Harris and Dalbeath, arranging my first mortgage. Matt was very helpful and easy to deal with great communication even calls outside of my working hours that really helped a lot. Matt communicated well with both me and my solicitor working as a team. The whole process went without a hitch and Dalbeath will be my first stop for any future financial needs.”
Alastair Towers, Edinburgh, May 2015
“The service I got from Matt was very friendly and efficient, and at a very reasonable price compared to that offered by other financial advisers I contacted.”
Martin Lussi, Dunfermline, May 2015
“The service we received from you was great. You made it possible to obtain a mortgage at a great rate we never expected for a second home. What pleased us most about your service was the regular feedback we get from you as things progressed and the swiftness and professionalism that accompanied the way you handled things. You are always quick to respond to queries and ensure we were satisfied with everything . I will be more than happy to use your service again”
Yemi and Amos Afolayan, Glasgow, May 2015
“Matt has been brilliant with us regarding our attempt to withdraw money from our pension. Super confident in the advice given to us and support from Matt in our other financial commitments… Over and above my expectations. A friendly non-judgemental company. Thanks for everything so far.”
Christine and Kenneth Lawrie, Dalgety Bay, May 2015
“Matt provided us with a well informed, efficient service, he was pleasant and very professional. We had no problems and were kept well informed with the progress of our mortgage deal. I would highly recommend Matt and Dalbeath Financial planning service.”
Angela and Paul Hamilton, Lochgelly, May 2015
“Myself and my wife spoke to Matt about setting up pensions for ourselves from our small consultancy company that we had recently set up. We had previously only been permanent employees and as such pensions had always been taken care of and sorted by someone else!! Matt came to our house and explained the options the we had, and answered our numerous very basic questions. He talked through the providers, the charges, the percentages the options for stock, equities, risk associated with each option etc. Matt is super friendly and professional and made the process very simple and easy for us to understand. We have no hesitation in recommending Matt and look forward to working with him for a long time to come!”
Iain Mair, Dalgety Bay, May 2015
“We have only good things to say about Dalbeath Financial Planning. From mortgage arrangement to personal pensions the advice we have received has been second to none. Matt takes the time to make sure you understand all your options with absolutely no pressure. Matt responds quickly to queries in a professional and approachable manner. We would not hesitate to recommend Matt and Dalbeath Financial’s services. We will certainly be using Matt for all our financial planning in the future. Thanks very much.”
Lisa & Chris Edmundson, Edinburgh, May 2015
“After going round the houses and getting more confused by the minute this company “Dalbeath Financial Planning” was recommended to us by a friend and we were very impressed with the service which was provided to us at a very very reasonable cost.
We made an appointment with Matt Harris at a date and time which was suitable to us. Matt listened to what we would like to do with my husband’s pension scheme. Bearing in mind the changes to the pension scheme, he explained to us in “layman’s terms” all the options which were available. Within a week we had the paperwork to look at, Matt came to visit us to run through everything to make sure we understood all the different options, we then chose one which was most suitable to ourselves. At no time did we feel pressurised into taking up his services. We thought his manner was exemplary, the paperwork was outstanding, set out in a way which was easy to read and understand, we would most definitely recommend Dalbeath Financial Planning to anyone who is retiring or thinking of cashing in their pension scheme. From time to time we receive an email asking if Dalbeath Financial Service can be of any more help and to to ensure we are happy with with the services the company are providing. We personally think this is great “Customer Care” and would have no hesitation in contacting them again with any financial matters which might occur in the future.”
Frances and Hugh Cassidy, Edinburgh, May 2015
“The service I received was excellent as was the advice. It was most reassuring both to experience the professional and thoughtful assessment of my situation and to know that same assistance will be there in the future.”
Hugh Murphie, Edinburgh, May 2015
“I spent a lot of time hearing “I can’t give you advice” and set out to find a local, independent financial advisor who could advise me and I found Dalbeath Financial Planning.
For peace of mind, I checked the Financial Conduct Authorities’ Register and the Financial Services Register and I know I’ve chosen a company reputable and trustworthy and authorised to give the type of advice I’m looking for.
From the first contact with Wendy to the most recent, I’ve consistently found her to be very knowledgeable and helpful. She’s extremely professional and her friendly manner makes her very approachable. She’s also someone who definitely understands the phrase “plain English” and her speed of response to questions and e-mails is more than impressive.
I’ll continue to ask Wendy for financial advice and I’ve no hesitation is recommending her or Dalbeath Financial Planning to anyone in a similar situation.”
Pat Parker, Glenrothes, April 2015
“My wife and I worked with Wendy following a recurring and terminal diagnosis of cancer. Even though the finances didn’t seem that important at such a terrible time, being able to plan my future with my wife’s input was invaluable to me. Now after my wife’s passing I am glad to have addressed my finances and working with Wendy made the process straight forward.”
Scott Brownlie, Kinghorn, April 2015
“Matt, your company was introduced to me by my son Gregory and I can confirm that you are a very professional person with knowledge of the investment markets and would never jeopardise the relationship between client and your company. Both Gregory and myself would recommend your company for investment services especially for retirement persons. Good luck for the future and keep up the good work.”
Henry Knox, Meikleour, April 2015
“As someone who knows very little about pensions I needed someone who was knowledgeable and also who made me feel comfortable discussing my options with me. I was very impressed by your positive manner and you made us feel reassured that you were going to provide exactly what we asked. Also you’ve been extremely helpful with anything I’ve needed since the transfer of my pension and respond to emails quickly and efficiently. I would have no hesitation in recommending you to family and friends and wouldn’t think of going anywhere else for financial advice.”
Lilian Findlater, Cowdenbeath, April 2015
“Wendy explained the complexities of the pension system and our specific pensions in a way that made it easy to understand. She provided the information that we needed and helped us make a sensible decision about our pensions.”
Cathy Smith, Saline, April 2015
“I wanted to get my retirement plans better organised; I had various work place pensions from different employers and required advice as to what was my best options. After a quick telephone call, Wendy visited me at home the next day. I found her very knowledgeable, friendly and she took the time to get to know exactly what I was hoping to achieve. I am more than happy with the service she provided and would highly recommend her.”
Iain Mccaskie, Dunfermline, April 2015
“We used to have an independent financial adviser (IFA) who reviewed our pensions, but he retired and our pensions had not been reviewed for around 5 years. It was always something that we thought we should get round to but it always seemed to be at the bottom of the “to-do” list.
I heard Matt speak about financial planning at a meeting and I was immediately struck by his knowledge and expertise about the subject and I felt that we could work with and entrust our pensions to him.
Matt thoroughly reviewed our personal pensions and company pensions and gave us advice and managed to save us several thousand pounds!
We were impressed by Matt’s work ethic, his expertise and his competitive pricing to the extent that we asked him to do a similar review of our employee’s company pensions.
Matt is now a welcome fixture in our office and we will continue to use him whenever financial planning is required.
I have no hesitation in highly recommending his services to friends, family and colleagues.”
Fiona Waddell, Director, The Learning Principals, March 2015
“Matt, I would like to thank you for your assistance over the last few months in looking into not only my husband’s but my own pensions/investments/mortgage etc. Your professionalism and the manner in which you dealt with the various issues was way beyond what I would have expected. Both my husband and I had no hesitation in leaving you to look into the best options that would benefit us both in what I can only describe as a minefield as far as understanding the rules/regulations/benefits especially around pensions. You kept us informed at all stages and I can now relax knowing that our affairs are up to date and we have invested in companies/products which are right for us.
I would highly recommend your services and would not hesitate to make sure that should any friends/family/colleagues be looking for assistance that their first call would be to Dalbeath. Wishing you well for the future.”
Anna McLean, Crieff, April 2015
“Wendy and Matt provided a very friendly and flexible service to both our Company and its employees during and outwith working hours. Wendy assisted our Company through the Auto enrolment process and also provided independent advice to many of our employees. I will use Wendy’s services again both professionally and personally.”
Vivienne Bern, Human Resource Officer, Reel Service Limited (http://www.reelservice.com/), March 2015
“Wendy provided very prompt, friendly advice and couldn’t have been more helpful with my follow up questions. I wouldn’t hesitate to seek Wendy’s advice again, highly recommended.”
Helen Bowman, Uphall, March 2015
“I found Wendy through Facebook, sent a message and got an almost instant reply, with suggested times and dates for meeting, at our house, when suited us, and straight away we were put at ease that we were in good hands, any question, no matter how silly (and I ask a lot of silly questions ) was answered – even at 11 PM, with straightforward, simple language, and reassurance. Wendy has helped us through the minefield that is house buying and took away all the stress, any problems were fixed before we were aware of them.
Would thoroughly recommend Wendy to anyone looking for financial advice, we will being coming back in the future when we need further help with our next move….”
Melanie and Lee Paterson, Rosyth, March 2015
“Kingdom Insurance always recommend (Wendy and Matt at) Dalbeath Financial Planning because we know that they will treat our customers fairly and honestly. They contact customers promptly and the feedback we receive is always excellent.”
Diane Garriock, Owner, Kingdom Insurance Services, Inverkeithing, (www.kingdominsurance.co.uk), March 2012
“My partner and I received advice regarding our mortgage and life insurance policies from Matt, the service provided was excellent. Matt around times that suited us and always met the deadlines that were set. He gave us several different options and helped advise us on what would be better for our circumstances. We would recommend his services and will definitely be using him in the future.”
Kris Reilly, Cardenden, March 2015
“Thank you Wendy for your visit. It’s given us a wakeup call; this has helped us focus and hopefully in the long term will help us achieve our goals. Your advice and insight was refreshing and just what we needed to hear, we look forward to any future recommendations or guidance that you may have”
Mr Taylor, Glenrothes, February 2015
“Dalbeath Financial Planning Ltd came highly recommended and sure enough they came with a quick, efficient, no nonsense attitude. We found their verbal and written explanations clear and to the point. We’ve already recommended them to our friends.”
Warren Murphy, Dunfermline, February 2015
“Here are some of the reasons I would not hesitate in recommending Dalbeath Financial Planning to my friends:
At no stage during the review of my financial situation did Matt exert any pressure on me to make any particular decisions.
He presented his findings and recommendations very clearly in our second face to face meeting and backed these up with a comprehensive written report which I was able to take away and digest at my leisure.
Any questions I emailed to Matt were replied to very promptly.
In cases where I did not go with some of the specifics of Matt’s recommendations there was absolutely no pressure to reconsider or change my mind.
There were no hidden or unexpected charges. Any associated costs were detailed up front without obligation and charges were all made exactly as quoted.”
Richard Adams, Haddington, February 2015
“We met at the start as my mother and father were getting quotes on life insurance. They were overwhelmed by the service you and the company gave to them. Amazing attitude. This is why I choose for yourself to find me life insurance and pension and you did this in rapid time. I am very happy with the service I received and will highly recommended this company. Thanks again Matt”
Daniel Cooper, Inverkeithing, February 2015
“I heard Matt Harris speak at a business networking group I attended recently and as a small business owner was interested in getting my finances checked out and to make sure things that I had done up to this point were OK to keep running with or whether I should change or merge.
Matt said we could meet and have a chat and we indeed did this and after Matt asking me all the relevant questions and I then gave sanction for Matt to question my policy companies to ask them relevant questions. Matt then returned to me with a summary of all my current situations and told me what to do with the policies and whether I should take out new ones or invest in the existing.
It was a painless procedure and because I am a small business owner it was great to have someone look over things who knew what to look for and get a professional opinion.
With this in mind I would not hesitate to recommend Matt and Dalbeath Financial Services. I would suggest getting them in and getting a check of where you are and what you may need to put into place for the future. Friendly and accommodating service, thanks guys.”
Ian Thomson, Cowdenbeath, January 2015 (www.itturningpoint.com)
“My husband and I sourced Dalbeath Financial Planning on the internet to assist us with the buying our new property. Our house was up for sale when we found a house we wished to buy and were stumped as to how to progress. As they were local, Matt instantly offered to come to our house to chat and advise on they easiest way forward. He found us the best mortgage available for our circumstances and recommended a solicitor’s company who were very reasonable and helpful. Matt had a very pleasant, confident manner with no “hard sell” and we had no worries about asking any questions relating to the buy. We will be using his services in the future and will be recommending this company to our family and friends.”
Karen and Robert Thomson, Cowdenbeath, Fife, February 2015
“In this time of austerity I decided I had to do something about assets which had been neglected for years. I began to look for an adviser who would listen to my requirements and advise accordingly. For me, a financial adviser would give me satisfaction by being efficient, answering any questions I had, doing so promptly. I wished to have my investments’ real value protected as far as is possible without requiring my attention too often.
Matt has done this and given me peace of mind that this has been achieved. Matt’s considered investment and pursuit of my needs were managed with skill, efficiency and a pleasant manner. “
Alexina Gray, Aberdeen, January 2015
“Wendy has been a real pleasure to deal with, very friendly and professional. The advice Wendy has provided has been outstanding and invaluable towards my decision making process with my young property portfolio. Any questions, even the ones I think might be silly, are always answered and explained in a manner which makes it very easy to understand. Highly recommended and a pleasure to deal with. I personally wouldn’t look anywhere else.”
Kevin Miller, Kelty, January 2015
“I can’t recommend Wendy highly enough. She came to my house in the evenings and answered my barrage of questions with patience and clarity. She is friendly, insightful and hugely knowledgable as well as being a complete joy to deal with.”
Catriona Clarke, Edinburgh, January 2015
“My husband and I met Wendy for the first time on the 15th August 2014. First impressions were that we knew we were going to be okay. We sat around the kitchen table and Wendy explained everything in black and white. My husband felt at ease and our affairs are sorted. In a way we have become friends and if anything comes in the post we don’t understand we send Wendy an email about it and she gets right back to us. “
Elaine and Ron Ramsay, Kirkcaldy, January 2015
“I was considering purchasing more properties for my portfolio and normally I would go to the bank however it was suggested by a friend to consider a financial advisor and Wendy Cochran was highly recommended by a work colleague. I contacted Wendy and within a week we had arranged an initial meeting, looked at my current situation and suggested proposals which would be much more suited to myself and business. This transaction was carried out with very little work from myself as Wendy did most of it herself, however kept me up to date with the progress and to be truthful I expected a more expensive fee than I received which was greatly appreciated. I have since used Wendy again for similar ventures and recommended her to other people with similar interests and I will continue to use Wendy in the future for a very approachable, friendly and professional service.”
Harry Mcleod, Cardenden, January 2015
“A hassle free service and a cheaper mortgage obtained than anything I could find on comparison websites. Will definitely be using the service again when my mortgage term ends.”
Peter Henderson, Cowdenbeath, December 2014
“My wife and I contacted Dalbeath Financial Planning in relation to purchasing a new home in Crossford, Fife and dealt with Matt Harris. He found us the best mortgage available for our circumstances. Matt also recommended a solicitor’s company who were very reasonable and helpful.
We would not hesitate to use Matt’s services again should we decide to more home again.”
Paul and Gail Dickson, Crossford, Fife, December 2014
“My investment portfolio was not performing as I wanted it to, and the management fees were far too high. Dalbeath Financial produced a straightforward plan to resolve the situation. Now I have an easy-to-understand portfolio, and my annual costs have fallen by thousands of pounds.”
Andrew Garrison, Aberdeen, September 2014
“I contacted Wendy Cochran a few months before my retirement date. The advice I received on my pension options was clear and easily understood by myself. Everything was put in place in just a few weeks.”
Robert Bruce. Auchtertool, September 2014
“’As a first time buyer who was previously self-employed, Wendy took all the stress of finding a mortgage out of my hands and even arranged flexible evening and weekend appointments. She explained the full buying process, arranged life insurance for me and regularly kept me updated on the progress of my application. I have thoroughly enjoyed working with her and would be delighted to work with her again in the future.’”
Judith Weall, Dunfermline, September 2014
“Following my retirement I was keen to ensure that my pension was invested wisely. Having already discussed this with another financial advisor, I was not content with what they had to say, or indeed what they charged for their services. I decided to seek further advice locally and contacted Wendy Cochran. They responded quickly and have provided a friendly, professional and personal service that I am very happy with. They actually listened to me and based their advice on what suited me.”
Gary Kerr, Lochgelly, August 2014
“The service from Wendy Cochran IFA was excellent. Communication was very efficient and clear advice and explanations of different options were provided. As clients, stress factors were nil as Wendy completed all aspects of paperwork and made all contact with external companies. Home visits were provided at times to suit my working schedule and were very structured and informative. I would highly recommend Wendy Cochran IFA and plan to work with this company in future.”
Yvonne Forbes, Lochgelly, August 2014
“Dalbeath Financial Planning were able to cut my monthly mortgage and loan payments from £735 to £330. I had been finding it really difficult to stay in the black each month, but now I can concentrate on overpaying my mortgage and aiming to get rid of it before too long.”
Linda Waterstone, Dunfermline, July 2014
“Huge thanks to Wendy Cochran for her excellent work in assisting us to sort out our finances and apply for a mortgage so that we could move house. The service we received from Wendy was Professional, Honest and Timely. Wendy worked around us to come out to our home outside of work hours and kept us up to date regularly throughout the whole process. I would highly recommend Wendy Cochran.”
Isla Haddow, Dalgety Bay, July 2014
“We were very happy with the service Matt provided to us when we were in the transition of moving house and was very helpful with any queries or questions that we needed resolved.
All information that we needed was given and explained in detail and in a manner that we could understand easily.”
Craig and Sarah Smith, Rosyth, June 2014
“My adviser arranged a low cost life and critical illness policy. When I had a minor heart attack he was there, at no extra charge, to make sure the insurance company paid out. I received more than £70,000 despite returning to work quickly.”
George Samson, Alloa, June 2014
“Dalbeath Financial were able to secure me a larger loan, at a lower interest rate, than any high street bank was willing to offer me. And they had it all done in a matter of days. Delighted to recommend them to others.”
Alexander Hay, Edinburgh, May 2014
