Andrew Ray MortgagesAnmeldelser 

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We cannot recommend Andrew highly enough. From the very beginning, he was professional, knowledgeable, patient, and genuinely committed to helping us achieve the best possible outcome.

Our case wasn’t straightforward, and there were several challenges and delays along the way. Throughout the entire process, Andrew remained positive, persistent, and proactive. He kept us informed at every stage, explained everything clearly, and was always available to answer our questions and offer reassurance whenever we needed it.

Thanks to his expertise and determination, we successfully secured our mortgage. What impressed us most was that Andrew never gave up on our case. He consistently looked for solutions and always had our best interests at heart.

Beyond arranging the mortgage, he also took the time to provide valuable advice on how to manage our finances going forward, helping us make the most of the new arrangement.

If you’re looking for a mortgage adviser who is honest, knowledgeable, dedicated, and genuinely cares about his clients, we wholeheartedly recommend Andrew Ray. His outstanding service exceeded our expectations, and we are incredibly grateful for everything he has done for us.

Thank you, Andrew, for your hard work, professionalism, and unwavering support throughout our journey. It has been an absolute pleasure working with you.

Was given a no-pressure recommendation from the Estate Agent, and Monika was absolutely fantastic. Really happy with the mortgage she found us and was always available with any queries. Happy to use Andrew Ray again and recommend highly.

Very officiant, trustworthy and honest company, will definitely get you the best deal and look after you.

Me and my wife are 1st time buyers and Monika Jankauskaite is brilliant at what she does would highly recommend to anyone

Myself and my wife Michelle have used Andrew Ray from the moment we started looking for our first home (over 10yrs ago). Since then we have used his services for remortgages and most recently the purchase of our 2nd home. Andrew, made the process seamless with total transparency and gave us the best advice with regards to porting our current mortgage. The added bonus is that he’s a great guy, nothing is ever too much hassle. We wouldn’t go anywhere else!

Andrew is fantastic. Have used him multiple times for mortgage products and he always finds us amazing deals. Not only that, he’s exceptionally professional and a lovely person to boot! Nothing is ever too much trouble and he goes out of his way to explain things in detail so it’s easy to understand and allows you to make an informed decision. Would 100% recommend his services.

I cannot recommend Monika highly enough. From start to finish, she was consistently in touch, keeping me fully updated throughout the entire mortgage process and making what could have been a stressful experience feel smooth and manageable.

Monika truly treats every case as if it were her own. She took the time to understand my situation and worked tirelessly to ensure I secured the best possible deal. Her attention to detail and genuine care really stood out.

She was always available to answer my questions, offering clear, honest advice and ongoing support whenever I needed it. I always felt reassured knowing I could rely on her guidance.

On top of that, Monika also reviewed my insurance options and found me the best deal there too, going above and beyond what I expected.

I am incredibly grateful to have had Monika supporting me throughout this journey. She doesn’t treat you like just another client—she genuinely cares, and it shows in everything she does.

Andrew and his team worked hard to get the mortgage offer. Things can get complicated when you reach a certain age. They persevered and I'm now a home owner. These guys know their stuff, they are efficient and discreet, always looking out for their clients.

I used Monika as my mortgage adviser for purchasing my home and I couldn’t be happier with the service I received. She found me the best possible interest rates and guided me through the entire process from start to finish. Monika helped prepare all the required documents, explained everything clearly, and was always available whenever I needed advice or had questions. Her communication was excellent, she was extremely professional, and she made what could have been a very stressful process feel smooth and straightforward. I truly felt supported at every stage of the purchase and had complete confidence in her expertise. I would highly recommend Monika to anyone looking for a reliable, knowledgeable, and dedicated mortgage adviser.

It was a great experience with Monika who represented Andrew Ray Mortgages. She helped us immensely porting mortgage from our lender (which was a challenge) to fulfil our dream. She was persistant and did a great job to get the rates we were after. Beside being professional, she added a sprinkle a family touch which is quite rare in this time and age. In addition, Monika also helped us to find an upgrade to our existing Life Insurance. We highly recommend their mortgage service. Thank you Monika.

Monika was my mortgage advisor and she gave me better rates than any of the other mortgage advisors I had been speaking to. I ended up choosing her because she had the best rates and we had video meetings which made it feel more personable and during a house purchase, it’s nice to actually look at someone and talk to them. I could take time to ask questions and really understand the process. During the whole purchase, I was able to contact her for anything, and when the rates dropped, she let me know and I got the better rate straight away. I have let my work colleagues know so that they can use her as well. Thank you Monika ☺️

Fantastic Detail from Andrew, he makes things crystal clear and goes over and beyond to help Navigate through complex situations, proving that things are more possible than we thought. He’s been extremely available and gets back to us with advice and updates whenever we ask….. i would highly recommend and will be using his services for the foreseeable.

My family and I have a great experience with Andrew Ray Mortgage. I highly recommend it if someone needs professional advice on mortgage or remortgage. Andrew is very professional, obliging, patient and punctual. He will always advise the best option in choosing a deal. Special thanks to Monica, too, for her professional support and understanding. They are a great professional team. I am very pleased with the result of the transaction, which ended on 2.01.26.

We had a fantastic experience with Andrew Ray Mortgages. A special thank you to Monika J., who was incredibly professional and patient throughout. She was proactive, attentive, and genuinely cared about getting the best result for us. It’s rare to find such dedicated service, and we would highly recommend them to anyone looking for expert mortgage advice.

Andrew is great! He makes the whole process so easy and is always so well informed. I can definitely always trust Andrew with finding me the right and best deal available. I have and will continue to recommend Andrew to all my friends and family.

Andy is very knowledgeable, friendly and easy to deal with. He visited our house on 2 occasions and offered no pressure advice and made sure we got the support we needed. Highly recommended and will be using his services again.

Several mortgage advisers told me that my case was impossible. After my first conversation with Monika, I understood that I met a very professional mortgage broker.
My case was very complicated: to remortgage an existing property and get a new mortgage for a new property. Monika worked extremely hard. She updated me at every stage. She found the best deals. Even during her holiday, she was always on track on my very complicated case. Her responses to all of my questions were very quick.
I simply have no words to describe how thankful I feel to Monika for her help to have my new home.
I highly recommend Monika.

Monika was very, very helpful and made every stage of the process clear to me.

The whole thing was sorted within a very short window and she worked very hard to get me a great deal.

I would highly recommend.

Excellent service – Highly recommend Monika!

We’re so happy we had Monika as our mortgage broker. The whole process was quite long and sometimes stressful, but she made it so much easier for us. Monika was always helpful, friendly, and incredibly patient. You can really see how dedicated she is – she gave 100% every step of the way.

She took the time to explain everything clearly, kept us updated, and was always quick to respond to any questions. We felt supported and in safe hands throughout the whole journey.

Thank you, Monika, for your hard work and care – we truly appreciate it! Highly recommend to anyone looking for a professional and trustworthy mortgage broker.

We have worked with Andrew Ray for several years now, and we truly can’t recommend him highly enough. Whether it was our first home purchase or a recent refinance, he’s consistently gone above and beyond to make the process smooth, stress-free, and tailored to our needs. His knowledge of the market, attention to detail, and genuine care for our financial goals have made all the difference. Kirstie and John