“I write to thank you for organising and arranging the setting up of our Wills and Trusts under the St James’s Place Trust and Estate Planning Service, Estate Protection Scheme Version 2.

This was a complicated and extensive process but at no time was there any doubt or misunderstanding on our part as you kept us fully informed and responded very promptly with clear expectations to our many queries.

We will have no hesitation in recommending you to any of our friends and associates”

– W A & A E Hetherington


“I am writing to thank you for the excellent service which I received. I had thought that my mortgage arrangements were satisfactory. Your research, expertise and in depth knowledge of their highly complex arena demonstrated that I could effect a substantial saving without enduring any unreasonable costs.

It was quite evident that you have expertise in this field. Your explanations were clear and you were always able to answer all our questions and offer various options for our consideration.

I would have no hesitation in recommending you and indeed I would urge everyone to review their mortgage arrangements as they may well discover as we did that there are considerable savings to be made.”

– D Fairfax S.R.N., R.M.N., Dip. Hom., RsHom


“Our first meeting with Carl was around 2000, we were looking for a better mortgage deal.

We were immediately impressed by his thorough professionalism and knowledge of the products on offer, and were delighted to receive a much more competitive quote.

From that point we have used Carl for every financial matter and indeed so have friends and family members on my recommendation.

The service he has provided us with has never been less than excellent, we trust him implicitly and would never consider looking anywhere else for advice.”

– R & G Mallender


“The service you provided was truly exceptional. You dealt with me promptly and efficiently. Without doubt your utmost priority in client care and satisfaction was reflected in the first class service you delivered.

There are only words of praise for such a genuine and outstanding individual.

– N Ali


“Karl has helped me with financial issues for some six years. I will continue to use his knowledge and expertise because I have always found him to be professional. By professional I mean he has the ability to explain his products and services in a way that can be understood, he is timely with the information requested of him and above all else he is honest, so I know I am always getting the best service and products available.”

– S E Young


“We want to thank you for the professional and efficient way you have handled everything we have asked you to do for us and all the help and very good advice we always receive form you.

We first consulted you because you came so highly recommended by our eldest son. He had taken a mortgage out at the same time as we had, when we bought our first house after living in RAF married quarters. The three of us were very worried that we had originally not been given very good advice about going for an endowment mortgage, fearing we would have a big deficit at the end of the 25 years. Richard consulted you and was so thrilled with the mortgage you got him and he was even saving a lot of money with his repayments.

He suggested we give you a call, but I did not think you would come all this way to see us, but of course you did. We also got an excellent repayment mortgage from you and saved money on our repayments.

When we made the decision to go and buy a property in Spain so we could move out there permanently, the first person we needed to talk to was you of course. We feel you have helped make our dream a reality by sorting out how we could fund this massive venture. Because we bought off plan, we had to put 10% down immediately and then a month later another 40% of the total price. We were both amazed at how quickly and efficiently you sorted this all out and making sure the money was in our bank in time.

If we could give one piece of advice to anyone seeking a mortgage, pension or any sort of financial advice they must give you a call because as the song says,


Although I come form an advertising background, I still believe the finest form of advertising is word of mouth, which is why Rick and I have always recommended you to everyone.

We have sold our bungalow and are hoping top move to Spain very soon. We really cannot thank you enough for helping to make all this possible.”

R & N Little 

Want to know more?

Call us for a friendly chat on 01423 224240 or email: carl@fletcherfs.com