The service was excellent. Dan has been great in advising on the mortgage application and on all the stages until completion. He managed to succeed where others were reluctant to commit. Great suppor... See more
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Review summary
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Reviews shaping this summary
I used new wave to facilitate my recent self employed morgage. The previous morgage advisor struggled to find me a deal I was happy with . Both Rachael and Daniel were both excellent and found... See more
After out current mortgage provider refused our remortgage due to my husband only having half of the tax year as self employed we thought we would have to wait another year before our plans for extend... See more
Company replied
When first contacting New Wave Financial Services Ltd we spoke to Dan who was very upbeat and positive which made us feel at ease straightaway. We were then past to Kye who dealt with our paperwork an... See more
Company details
Written by the company
We are the Mortgage Specialists. We provide our clients access to the whole mortgage market and to exclusive products not available on the High Street. Our friendly advisers have a wealth of experience in securing the best mortgages in the market and are motivated to help you from start to finish. Start your mortgage journey with us today!
We Are The Mortgage Specialists
Written by the company
- When you Need a Professional in your Corner
- We are focused on helping Self Employed & those with Impaired Credit get mortgages when they were often declined with their banks and other brokers. Our existing team of mortgage experts continues to grow and we have a wealth of experienced friendly advisers helping both employed and self employed people throughout the UK remortgage their home. They review your existing mortgage with the rest of the market often savings you thousands of pounds in the process. If you are looking for a mortgage and would prefer someone else does all the hard work for you whilst saving you money then look no further. We are here to help. Speak to our Mortgage Team Today.
Contact info
1st Floor Astra House, Christy Way,, SS15 6TQ, Basildon, United Kingdom
- 02037945455
- info@newwavefs.co.uk
- mortgagesforselfemployed.co.uk
4.9
Excellent
1K reviews
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Replied to 100% of negative reviews
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Thank you!!
Massive thank you to the team at New Wave. Their service was outstanding and made the entire process so smooth and stress-free. I couldn’t recommend them highly enough. Special thanks to Dave, Debbie, Kye and Daniel.
26 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Kathryn,
Thank you so much for your kind words! We’re thrilled to hear that your experience with New Wave was smooth and stress-free. Dave, Debbie, Kye, and Daniel will be especially pleased to hear your special shout-out.
Your recommendation means a lot to us, and we truly appreciate you taking the time to share your exp
Team New Wave
Excellent service and advice!
We were told by our accountant not to go for a mortgage as our business had a rough few years but due to personal circumstances and business doing better we contacted new wave to discuss the possibility of buying a new home!
Dylan was really confident from the start of our journey and re assured us pretty quick that a mortgage was more than achievable!
We had been put forward to a broker prior to the festive break, after the break Dylan had checked with a few other lenders and found another with an even better term and reduced interest rate! We switched and saved a bit per month!
Kye was very informative through the process supporting Dylan and promptly updating us at each stage. The lender had went back and forth a few times with further questions and both pushed things for us and had the mortgage offer tied up pretty quick!!
No nonsense approach from both and confidence that is re assuring in such a big part of your life!
Will be in touch in the future should we decide to go through the same process and have already been recommending business owners friends to get in touch with the team should they need assistance!
23 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Alan,
Thank you so much for your kind words! We're thrilled to hear that Dylan and Kye were able to guide you confidently through the mortgage process and help you secure a better deal. It’s wonderful to know that their support and no-nonsense approach made such an important step in your life feel smooth and reassuring.
We really appreciate your recommendations to friends and fellow business owners – it means a lot to our team. We look forward to assisting you again in the future whenever the need arises!
New Wave Team
Professional and friendly expertise!
This amazing team is not only friendly and professional, but genuinely furnished with the right experience and knowledge allowing for a transparent and confident experience for clients from start to finish.
3 February 2026
Reply from New Wave Financial Services
Hi there,
Thank you so much for your kind words! We’re thrilled to hear that our team’s experience and dedication made your experience smooth and confident.
Providing transparent and professional service from start to finish is exactly what we strive for, and it’s wonderful to know it resonated with you. We truly appreciate your feedback!
New Wave Team
Communication is key!
Communication is always brilliant, this is the second time I've had dealings with New Wave and in particular Dylan. I cannot thank Dylan and Rachel enough for helping me through what can be a stressful process. Knowing I can contact you both with all my questions and have things explained to me in easy to understand terms is really helpful! Thank you so much for all your help and guidance.
3 February 2026
Unprompted review
Reply from New Wave Financial Services
Hi Jo,
Thank you so much for your kind words! We’re thrilled to hear that your experience with New Wave, and specifically with Dylan and Rachel, has been positive. It means a lot to us that we could make the process easier and more understandable for you.
We’re always here to answer any questions and provide guidance whenever you need it. Your trust and continued support are greatly appreciated!
New Wave Team
Supportive service
Myself and my partner broke up after 20 years together and it has been a very tough time. I had been to so many different lenders and mortgage advisors to try and find a mortgage so I could keep my home. I had lost all hope until Dan and Kim helped make it happen. I am self employed so finding a mortgage is not always easy. I am so grateful for the support Dan and Kim gave me. The process was fairly quick and they were so understanding about my situation. Thank you both for helping me keep my home.
30 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Samantha,
Thank you so much for your kind words. We truly understand how challenging this time must have been for you, and we’re so glad we could help you keep your home.
It was a pleasure working with you, and we’re happy that the process felt smooth and supportive despite the circumstances.
Your perseverance is truly inspiring, and we wish you all the best as you move forward.
New Wave Team
Highly Recommend New Wave!
New Wave have exceeded our expectations, going above and beyond to ensure a successful outcome, in what was a complex case!
We can't thank Rachel, David & Kirsty enough! They always replied quickly and have guided us through the entire process with professional, friendly & helpful communication throughout. We highly recommend New Wave!
28 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Joe,
Thank you so much for your kind words and thoughtful feedback. We’re absolutely delighted to hear that you had such a positive experience, especially given the complexity of the case.
Rachel, David, and Kirsty will be thrilled to know their support, responsiveness, and guidance made a real difference. It was a pleasure working with you, and we truly appreciate your recommendation.
Wishing you all the very best going forward!
Team New Wave
From beginning to end
From beginning to end, Rachel at New Wave provided remarkable assistance in getting my mortgage and buying my house. Her proactive approach, clarity, and consistent efficiency shone through, even as delays from the solicitors pushed my patience. Despite the challenges, Rachel remained calm, professional, and supportive, ensuring everything progressed smoothly and keeping me updated when others did not. Her dedication and excellent communication transformed a stressful experience into a much more manageable one. I truly found no faults in her service and would eagerly recommend her to anyone.
26 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Tracy,
Thank you so much for taking the time to share such a thoughtful and detailed review.
We’re absolutely delighted to hear about your experience with Rachel. Her proactive approach, clear communication, and calm professionalism are qualities we value greatly at New Wave, and it’s wonderful to see them recognised—especially during what can be a very stressful process.
Your kind words about how she supported you through delays and kept everything moving smoothly mean a great deal to us. We’ll be sure to pass this feedback on to Rachel, as it will undoubtedly make her day.
Congratulations on your new home, and thank you again for your recommendation. We wish you all the very best in this exciting new chapter!
Best Wishes
New Wave Team
as a self employed builder and be that…
as a self employed builder and be that bit older now i was struggling to get a mortgage on my property i also had so other complications that i didn't think that could be over come but with the help of dan cosgrove who went above and beyond to help all the way and with help of da tapper and kye basi the team realy helped to get me my mortgage offer and i just could not have done it without them thanks so much
3 December 2025
Unprompted review
Reply from New Wave Financial Services
Hi Steve,
Thank you for your kind review.
We’re delighted we could help, and Dan C, Dan T, and Kye will be thrilled to hear your amazing feedback.
Securing your mortgage was a team effort, and we’re so pleased with the outcome. Wishing you all the best in the future and thanks again for trusting us.
We look forward to assisting you again when the time comes.
Warm regards
Team New Wave.
It was amazing to work with new wave…
It was amazing to work with new wave financial advisors All the way through really great experience especially thank you to dear Debbi and Rachel
22 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Halil,
Thank you for the wonderful feedback!
We’re so glad you had a great experience, and we’ll be sure to pass your kind words on to Debbi and Rachel. We truly appreciate your support! We wish you all the best.
Kind regards
New Wave Team
Professional, Supportive and Attentive Service
New Wave have been just brilliant with our Remortgage - from the outset they have been professional, supportive and patient as we navigated the information, choices and decisions we had to make. We have secured a great deal which suits our budget and has saved us some money too. I would absolutely recommend their services especially if you are self employed as I am - their expertise removed my worries about securing a mortgage as a small business owner.
20 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Anna,
Thank you so much for your kind words and for taking the time to share your experience. We’re delighted to hear that you felt supported throughout the re mortgage process and that we were able to secure a deal that suits your budget and saves you money.
Supporting self-employed clients is something we take great pride in, so it’s especially rewarding to know our expertise helped put your mind at ease. Thank you again for your recommendation – it truly means a lot to us.
Kind Regrads
New Wave Team
Great service from start to finish…
Great service from start to finish securing my first mortgage!
15 January 2026
Reply from New Wave Financial Services
Dear Lyle,
Thank you so much for your kind words! It was a pleasure supporting you from start to finish, and I’m delighted we could help you secure your first mortgage.
Wishing you every happiness in your new home, please don’t hesitate to get in touch if you ever need anything in the future.
Kind regards
Team New Wave
Outstanding Service Despite a Challenging Process
Rachel at New Wave was absolutely fantastic from start to finish in helping me secure my mortgage and purchase my home. She was proactive, clear, and consistently on the ball, even when the solicitors’ delays seriously tested my patience. Throughout the process, Rachel stayed calm, professional, and supportive, keeping things moving and keeping me informed when others weren’t. Her communication and commitment made a stressful process far more manageable. I genuinely couldn’t fault her service and wouldn’t hesitate to recommend her to anyone.
14 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Jamie,
Thank you so much for taking the time to leave such a thoughtful review. We’re absolutely delighted to hear about your positive experience with Rachel. She takes great pride in being proactive, clear, and supportive, especially during what can be a very stressful process, so your feedback really means a lot.
We’re glad she was able to keep things moving and keep you informed despite the challenges along the way. Congratulations on your new home, and thank you for your kind recommendation — it truly is appreciated by Rachel and the whole team at New Wave.
Kind regards
New Wave Team
Incredible service from Rachel who got…
Incredible service from Rachel who got me through a long and stressful house purchase, including securing me a great mortgage rate too. Fast responses, always answered my questions and was on it with chasing up solicitors etc, cant thank her enough!
19 December 2025
Unprompted review
Reply from New Wave Financial Services
Hi Lucy,
Thank you so much for taking the time to leave such a lovely review. We are really glad we could help make a long and stressful house purchase feel more manageable, and it’s great to hear you were happy with the mortgage rate we secured and i will pass your kind comments onto Rachel.
Wishing you all the best in your new home, and please don’t hesitate to get in touch if you ever need anything in the future!
Kind regards
New Wave Team
Best brokers for self-employed applicants!
As an older self-employed person, I had some doubts about my eligibility for the mortgage I wanted, but in our initial conversation Dan Cosgrove explained to me that self-employed "awkward" people like myself were in fact their speciality, and it was worth my while to put in an application. I got the funding I required in a pretty short space of time thereafter! This company definitely does what it says on the tin - they really understand the issues that self-employed applicants are likely to face. Everything was made as easy and simple as possible, and as a mortgage rookie I'd especially like to thank the aforementioned Dan Cosgrove for his patience in explaining all the little details to a layperson! Everyone who worked on my mortgage application was brilliant, the other Dan - Daniel Tapper - and Kye Basi were fantastic too, updates were frequent and reassuring throughout, really couldn't fault this company at all. 5 stars +
7 January 2026
Reply from New Wave Financial Services
Hi Anastasia,
Thank you so much for taking the time to leave such a detailed and generous review. We’re absolutely delighted to hear about your positive experience and that we were able to help you secure the funding you needed so smoothly.
Helping self-employed clients navigate the mortgage process is something we take great pride in, so it’s wonderful to know that Dan Cosgrove’s guidance, patience, and clear explanations made everything feel straightforward and accessible—especially as a first-time “mortgage rookie”!
We’ll be sure to pass on your kind words to Dan, Daniel Tapper, and Kye Basi; they’ll be thrilled to know their support and regular updates made a real difference.
Thank you again for trusting us and for your recommendation. If we can ever help you again in the future, we’d be more than happy to do so.
Best Wishes
Team New Wave
Exceptional service
Exceptional service from start to finish. Debbie is incredibly reliable, efficient, and professional, but what truly makes her stand out is her kindness and compassion. She always took the time to answer my questions thoroughly and consistently found the right solutions for my needs. I felt genuinely supported throughout the entire process. I wouldn’t hesitate to recommend her to anyone.
8 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Ana,
Thank you so much for your kind and thoughtful words. It truly means a lot to us to hear that you felt supported throughout the process. We are grateful for the opportunity to work with you, answer your questions, and find the right solutions for your needs.
Your trust and recommendation are sincerely appreciated, and we are always here if you ever need anything in the future.
Kind regards
New Wave Team
I couldn’t get a mortgage anywhere due…
I couldn’t get a mortgage anywhere due to being a single applicant with negative credit history, one year of accounts, self employed, income without contracts and a 10 percent deposit.
After 3 attempts with different lenders Dylan and Rachel managed a minor miracle. I have my mortgage and I’m ready to move in to our home.
They were very personable, genuine and hardworking throughout the process. A really big thank you.
It’s the first review I’ve written about a company, ever.
5 January 2026
Reply from New Wave Financial Services
Hi Dean,
Thank you so much for your kind words — especially as it’s your first ever review. We’re delighted Dylan and Rachel could help make this happen for you.
Congratulations on your new home, and thank you for trusting us throughout the journey.
Kind regards
New Wave Team
Fantastic
Dylan & Rachel have been fantastic from day 1, they were both so helpful and explained step by step of the process on getting my first mortgage. Nothing was too much trouble for them.
Communication was brilliant, they are both so professional, friendly & polite.
My mortgage has been accepted and I received a phone call from Dylan & Rachel to congratulate me, and Rachel will working hard behind the scenes, to ensure completion runs smoothly, and has assured me she will be a phone call away if I need any further advise. Thank you both so much for everything, I really do appreciate it.
7 January 2026
Unprompted review
Reply from New Wave Financial Services
Hi Lee,
Thank you so much for taking the time to leave such a wonderful review for Dylan and Rachel.
We’re thrilled to hear that your first mortgage journey was a positive experience and that Dylan and Rachel were there to support you every step of the way.
We truly appreciate your kind words and your trust in us. It’s been a pleasure helping you, and we wish you all the very best in your new home! :)
Warm regards,
New Wave Team
Really helpful for self-employed mortgage
I was thinking it would be impossible to find a mortgage with my situation (IT contractor with less than 1 year of history). But Dan and Rachel have been really helpful during the whole process and made it work.
Everything went really smoothly, definitely recommends.
12 December 2025
Unprompted review
Reply from New Wave Financial Services
Hi Pascal,
Thank you so much for taking the time to share your experience! We’re really glad to hear that Dan and Rachel were able to support you and make the process work despite the challenges. Helping clients in complex situations is exactly what we strive for, and it’s great to know everything went smoothly for you.
We truly appreciate the recommendation and wish you all the best!
New Wave Team
The team did everything
Initial contact with Dan Cosgrove was a while ago but due to our circumstances, he stayed in touch and did so without adding any pressure. Really top class service for me as Self Employed.
Kye Basi took us over the line and even over the Christmas period, he stayed in touch and gave us the guidance we needed. Absolutely fantastic
29 December 2025
Unprompted review
Reply from New Wave Financial Services
Hi Glenn,
Thank you so much for taking the time to share this wonderful feedback.
We’re delighted to hear about your experience with Dan and Kye. Dan’s ongoing support without pressure and Kye’s commitment to guiding you through to completion — even over the Christmas period — truly reflect the level of service we aim to provide, especially for our self-employed clients.
Your kind words mean a great deal to the whole team, and we’re thrilled we could support you through the process. Wishing you all the very best, and please don’t hesitate to reach out if we can help again in the future.
Kind regards
New Wave Team
Very quick to respond! Great experience
Very well organised, took us through everyone offering different options to best suit!
30 November 2025
Unprompted review
Reply from New Wave Financial Services
Hi Richard,
Thank you so much for your kind words! We’re really glad you felt everything was well organised and that the different options helped suit everyone’s needs. It was a pleasure guiding you through, and we truly appreciate you taking the time to leave this review.
New Wave Team
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