Fleet Mortgages Reviews 

Very slow and too much information required for a Ltd Co BTL. Took a lot longer than other ltd co BTL lenders. It should be much more straight forward. The customer was not happy about this and is hesitant to take out another BTL with Fleet even though you have favourable rates. She would rather go with a more painfree option on the current project she is working on.

Very good experience. Online application system was easy to use, uploading documents easy to do, shows updates and whenever I needed to call Fleet Mortgages, quick response and questions answered.

I have just had what is potentially one of the most tricky cases offered thanks only to the fantastic team at Fleet. Namely, Charlotte Kirby & Dave Horsman, could not have been more helpful and understanding of, what could've been, a potentially disastrous situation for not only my client but over a dozen people up and down the chain who were waiting on us to receive a successful mortgage offer in time for exchange.

It isn't often that you see eye-to-eye as a broker with a lender and vice versa but it was a breath of fresh air to deal with both Charlotte and Dave who completely saw and understood from a broker's perspective and did absolutely everything in their power to ensure we had the result we needed from them in good time. I can wholeheartedly say that it is the first time I have experienced BDM's be so helpful, efficient and successful at their job and the industry would benefit from more individuals like Charlotte and Dave.

On the broking side of the industry, having a good, responsive and reliable BDM makes or breaks your experience with a lender and can influence the decision making process for future cases if your experience is particularly bad - it isn't always just about rates and if a lender is notoriously bad with their relationship management, it will undoubtedly hinder the potential business that would otherwise come their way.

This is only one of a handful of cases I have placed with Fleet mortgages but I will absolutely be placing more business simply due to the experience I have had on this particular case.

Absolutely poor customer service. Trying to repay a loan early, having to send repeated statements to prove source of funds when the trail is clear.

Sent an email at 1.33pm today with no response. Called up at 4.57pm, once I passed the security checks the employee said that they could no longer assist as it was now 5.01pm and no one was available to assist.

Great to see the staff working strictly to their 9-5pm

Jason our telephone BDM is just amazing so helpful. Fleet easy to deal with once yiu k ow how they work.

Tel support team very helpful and knowledgeable.
Slight confusion at completion causing slight delay re use of Search Indemnity Ins.

Easy application system and realistic valuations along with good rates.

If you would like a mortgage please please do not be tempted into getting one with Fleet Mortgages!! I was declined by this lender as there is a Electric pylon over the road from the property!! This is in a housing estate and my house is by no means closest to pylon. They were more than happy to relieve me of my hard earned £524 for the "Valuation" which we advised them of what it was anyway!! I have had a mortgage for the last 15 years on this house. Nobody likes to have their money so freely taken away from them, but Fleet Mortgages seem to do a damn good job, AVOID AVOID AVOID.

thought the DIP process was fine when it went to application the document checks and underwrite process wasn't very efficient compared to other Cases i have put in with you

Special thanks to Dave Horsman who always gives great service. Fleet helped a client obtain a BTL mortgage. Application to completion was under 4 weeks. Thanks, Aakash

Complete waste of time and money.

After taking payment for the application (£199) and property survey fee (£849), they came back six weeks later stating the property is not suitable.

All this could have been avoided before payment.
Fleet deliberately takes your money and does nothing for a couple months then come back saying they do not want to lend which has nothing to do with the survey.

Definitely avoid this lender.

Don't be fooled by ther better reviews in between, they are all fake written by Fleet employees.

Also checkout their horrible reviews on Google. All are 1 star.

Your underwriting has gone to high street mode, everything that you were good for has gone. Now it takes twice as long. As you can tell I'm not impressed.

Its nice to use a company where the underwriters are actual people and listen to the advisers to actively look to help place an application and receive a mortgage offer.

Complete nightmare in evidencing deposit for a limited company needed to provide 2 years of evidence.

The worse lender ever , Nightmare to deal with , wouldn't understand basic underwriting . Never thinking of customer just painful to deal with .

Utter waste of time. Asked for different documents every week and then 8 weeks after application said they'd decided to go against their own criteria and not lend on the current market value. Avoid these time wasters like the plague.

Experienced lender, good rates

This is a product i should not need to write a review on but our experience has been so poor I had too.
We used an agent who recommended fleet (looking at the 5 stars a lot seem to be from man agents whilst the 1 stars are all from customers!). I pulled the plug on our application today. Its been with an underwriter for about one month - this is after a painful 2+ months providing all the info they wanted to get an application to them. As previous reviewers (1 star) mention they keep asking questions. I have worked in insurance for over 45 years so do understand questions/ info is required but Fleet take this to a whole new level. Do not under estimate the depth and silly questions Fleet will ask you. As an example we had to send in tax returns last 2 years. Ok, then can we send in the calculation for the forms, then a letter from accountant, then another tax form. Proof of income - need to see contract in addition to evidence of income etc etc.
We actually started this process in late March 24 with the agent.
I think in the end Fleet run out of questions so just sat on the file. 5 weeks ago we had a Fleet business manager look at our file and they confirmed all info had been provided and told our agent the offer would come within 48 hours. 5 weeks later still no offer. Wasted around £700 in the process as you need to pay for Gateway surveyor ( 2 week wait then give a 6 hour window until day before then 3 hour window then on date of visit came 2 hours before start of the 3 hour survey window!) and a solicitor panel (very expensive costs).
In summary if you or your agent recommend Fleet think twice and read the reviews. The 1 reviews are here for a reason!
I hope this helps and saves you money as so many others have said "we thought it would be ok" but really its not.