Concept Financial Services Reviews 

340
TrustScore 5 out of 5

4.9

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Rated 5 out of 5 stars

Concept Financial was very helpful in having my remortgage completed. They have a great service and a good communication with their clients,with quick updates, step by step! Monika Hajkova is a ver... See more

Rated 5 out of 5 stars

Harvey Green made a whole process smooth, with no issues. We got our mortgage settled very early in a house buying process with lower interest rate than other financial advisors offered us. Communicat... See more

Rated 5 out of 5 stars

Nick Payne has been outstanding with his continuous advice and care with supporting me make my mortgage and Solicetor choices . I felt overwhelmed at first buying alone, but Nick has been so helpful a... See more

Rated 5 out of 5 stars

We have known Dan Percy for over 15 years now and he has arranged quite a few mortgages for us- both residential and BTL. Dan is very approachable, professional and always goes an extra mile for his c... See more

Company details

  1. Financial Consultant
  2. Finance Broker
  3. Financial Planner
  4. Mortgage Broker

Written by the company

Concept Financial Services provides holistic financial planning. Looking for a mortgage solution? ▶FIRST TIME BUYER MORTGAGES◀ Not sure where to start, we'll help you all the way. ▶REMORTGAGES◀ - let us review your mortgage without obligation. ▶HOME MOVERS◀: Are clients coming back to us time and time again for their mortgage. Talk to us about your next mortgage. ▶BUY TO LET◀ - Our experts will guide you whether you are a first time investor or a seasoned landlord. ▶SELF EMPLOYED MORTGAGE◀ - We can work with just one years filed accounts, we'll do all the paperwork. ▶PROFESSIONAL MORTGAGE◀ - Doctors, GP's, accountants, solicitors we have specialist mortgage schemes to reflect your professional standing. ▶EQUITY RELEASE / LIFETIME MORTGAGES◀ - our experts will give you the advice you need for later life lending over 55. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON A MORTGAGE SECURED AGAINST IT. Most buy to let mortgages are not regulated by The Financial Conduct Authority. A lifetime mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Concept Financial Services is a trading style of Delphic Financial Planning Limited, who are an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority - 17 Hayes Way, Heritage Park, Cannock, WS11 7LT : Approved By The Openwork Partnership 31/07/2025


Contact info

4.9

Excellent

TrustScore 5 out of 5

340 reviews

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4.9

All reviews

(340)

1 review in the last 12 months

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Rated 5 out of 5 stars

Concept Financial was very helpful in…

Concept Financial was very helpful in having my remortgage completed.
They have a great service and a good communication with their clients,with quick updates, step by step!
Monika Hajkova is a very qualified professional that I've worked with and I recommend it to anyone!!

3 July 2025
Unprompted review
Rated 5 out of 5 stars

mortgage advisor Monika 100% recommend

We had Monika as our mortgage advisor, I was first time buyer but my wife wasn't. Monika was absolutely amazing from start to finish. She was at the end of the phone or wats app message any time you needed her or had questions. Although felt some of my questions were a little stupid, she never made me feel stupid for asking. She even got involved with chasing our buyers solicitors who was holding things up, this is something she didn't have to do. Monika gives 100% to her clients, if you need an advisor for mortgages this lady is the one for it.

Thank you Monika for everything.

Cheers Joe and Lisa

27 June 2025
Unprompted review
Rated 5 out of 5 stars

Fantastic work from Nanette at Concept…

Fantastic work from Nanette at Concept for securing me a competitive fixed rate on my mortgage. I have dealt with Concept for years and they have always stepped up and helped me financially. Thanks again Nanette. Look out for my email in 2026 when we have to re-review 😎

5 June 2024
Unprompted review
Rated 5 out of 5 stars

Re-mortgage - Nanette McCrone Thankyou

When coming up to the end of our mortgage deal we found everything a little daunting. Luckily with the expert help and advice from Mortgage and Protection Advisor Nanette McCrone things couldn’t have been easier. We have now secured our new mortgage deal with ease as well as taking the opportunity to update our life and critical illness insurance policies to give us the best possible cover.

Thanks again Nanette, for all your knowledge and support, we are so pleased we had you to assist us with our journey! We will definitely be returning for the next review

24 May 2024
Unprompted review
Rated 1 out of 5 stars

This is a scam if you apply for a loan

This is a scam if you apply for a loan
How are you supposed to pay money before you get the loan .
Another scam .
Avoid at all costs 🧟🧟🧟🧟

22 April 2024
Unprompted review
Concept Financial Services logo

Reply from Concept Financial Services

We are regulated by the FCA. We believe this review has been left for the wrong business and is being challenged.

Rated 5 out of 5 stars

A huge thank you

A huge thank you to Connor Mason for his help with our mortgage and protection. He made the whole process run smoothly and stress free. He was very knowledgable and put our minds at ease answering our countless questions! We will be using Connor again in the future for all our financial advice needs. Honestly can’t thank him enough for all the help and guidance!

4 April 2024
Rated 5 out of 5 stars

Thank you Connor!

We sought help from Connor Mason when getting our mortgage and protection, he was very professional and friendly throughout the whole process. He took a lot of the stress out of the process and was always available and contactable throughout. We are going to be contacting him again in future for all of our financial advice needs. 10/10 would recommend to anyone needing financial advice.

4 April 2024
Rated 5 out of 5 stars

5 Star Rating Monika Hajkova

Extremely happy with Monika's expertise. She has provided support and guidance throughout the whole mortgage proses, making it stress free. We will be recommending her to family and friends and using her again in the future :) Thanks again.

22 March 2024
Unprompted review
Rated 5 out of 5 stars

Jargon free advice, straight and to the point.

The company are very accommodating and most of all explain the in's and out's of the financial services, so you are well informed and can make a clear conscious discission. There is no pressure to go with one provider, and if a better offer appears, all the info and any pro's and con's are explained and provided.

5 March 2024
Rated 5 out of 5 stars

5 star service - Monika Hajkova

I have been working with Monika Hajkova as my mortgage advisor for several years now, and she has facilitated numerous property transactions for me. I have recommended her services to friends and family, who have also been extremely pleased with her work. Monika is truly amazing her communication is top-notch, she is incredibly hardworking, and always goes above and beyond to find the best deals for me. She is consistently available whenever I have a question or need guidance. I highly recommend Monika to anyone in need of a dedicated and reliable mortgage advisor. Thank you, Monika, for your exceptional service!

21 February 2024
Rated 5 out of 5 stars

Monika Hajkova - Support with mortgage

Monika Hajkova Helped with my mortgage and she explained everything thoroughly each step of the way as I was very nervous about getting a mortgage and never experienced this process, but Monika made the complete experience so positive and helpful.
I am extremely thankful for all her support, and will be in touch with her again if I need any support and I will definitely be referring my family and friends to her for mortgage advice and guidance.

17 January 2024
Rated 5 out of 5 stars

Very happy client

Thank you to Mortgage advisor Monika Hajkova for her help through our mortgage application . Over the past few weeks she has gone above and beyond to ensure the aplication went smoothly. Monika always explained everything very well and she always had a time for all of our questions.
Very recommend

20 February 2024
Rated 5 out of 5 stars

Monika Hajkova is great at what she…

Monika Hajkova is great at what she does and always goes above and beyond! I have done many mortgage applications through Monika and she has always been there as a helping hand and great whenever I have had any questions always advised me correctly. Really appreciate Monika’s help and will always be using for future appli

20 February 2024
Rated 5 out of 5 stars

Great service and very friendly.

I have use this service in the past so when I needed another mortgage I didn't hesitate to contact them again. I was shown with all the options I can take and also good advice on the products. I will definitely use this service again.

20 February 2024
Rated 5 out of 5 stars

I managed to get my first mortgage and…

I managed to get my first mortgage and that’s thanks to Daryl. I highly recommend her as she’s very professional, hard working and knowledgeable. I appreciated the fact that she didn’t give up even if my situation was difficult. Lovely, friendly and helpful

29 January 2024
Unprompted review
Rated 5 out of 5 stars

I highly recommend Daryl Toms

I highly recommend Daryl Toms at Concept Financial Services, I am completely impressed with her professionalism, knowledge and ability to explain everything in a way someone with no financial experience could understand.
Fantastic experience, thank you Daryl

14 December 2023
Unprompted review
Rated 5 out of 5 stars

Friendly, Helpful, Speedy

Cannot recommend Daryl enough, whenever we've had questions about our first mortgage (and there were a lot of questions), she was always super helpful, pointing out all the little things we needed to think about and helping to cut through the things we didn't, and never left us waiting long for an answer. Made the whole thing so much easier than I'm sure it would have been otherwise!

8 February 2024
Unprompted review
Rated 5 out of 5 stars

Great personal touch and help

Dan Percy at Concept Financial Services was great, helped us with clear advice, understood our requirements and worked hard to keep our options open and then immediately jumped in when better options became available, made everything as easy as possible

1 February 2024
Unprompted review

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