We would just like to say Thankyou for the outstanding service we recieved from holly We cannot thank her enough , she gave 100% at all times , always on the end of the phone even out of work hours .

It’s our first time buying and had no idea of what to expect or how to do this , holly dealt with absolutely everything for us , very professional service all round I’ve even passed on hollys details to a couple of people So happy Thanks again

Mr W & Miss J - April 2022

Sorry this is a bit late but I just wanted to say how happy I was with the service that Holly gave me.

Holly was amazing from start to finish, she listened to my needs and totally understood what I needed. She constantly kept me informed and went above and beyond to help me. I was financially in a very difficult position and Holly solved it for me. So, I wanted to say a massive thanks you to Holly.

Miss C - April 2022

Hi Gina

Many thanks for meeting with me and J this afternoon.  Your suggestions and insight were really helpful.

I've also got a lot more ideas about what to do should my mum have to go into a care home.

Thank you for the links and for the video you sent me about NHS funding. 

Your kind thoughts are much appreciated and I hope to be in touch with good news about my mum's care going forward. I'm definitely going to find out about local care homes as a possibility.

We're always pleased to recommend Sands -  we had fantastic support with our latest move and Leanne found us a brilliant mortgage deal. Most recently, your recommendation saved us over £100 on our house insurance this year! 

Thank you once again.

Mr & Mrs P - November 2021

I’d like to provide some feedback on your staff member, Holly Croucher. 

We contacted Holly at the beginning of the year for her to advise of what our max borrowing could be, following a discussion we had held regarding moving house. Holly was, as ever, friendly, polite and willing to help wherever possible. 

Our circumstances changed and we decided the time to move wasn’t quite right, as we were planning to get married in the September. Holly was understanding of this and didn’t push at all; just advised us to contact her when we were ready. 

Following the news on the Stamp Duty Relief, we (again!) changed our minds and decided to “bite the bullet”. We contacted Holly and again, her friendly, personable self awaited us. 

We eventually sold our house in April 2021, and struggled to find somewhere new until mid-May. Throughout the 6 weeks, Holly kept in contact and informed us of when best to apply for a mortgage, have paperwork completed (my husband is Self-Employed so this is always a bit of a stress!) and Holly took all the stress away. 

We finally completed on 20th September.  Throughout our long, stressful 6 month journey (with a wedding taking place on 9th September) Holly kept us informed of changing rates, chased solicitors on our behalf and went above and beyond anything we could have hoped for. We are truly so grateful. 

Miss J - October 2021

I just wanted to provide you with some feedback on my experience using Sands FM.  Holly has been incredible, she has gone above and beyond for me.  She acted quickly on every point in the process, and nothing was too much. Holly’s knowledge is extremely in-depth and she’s managed to get me such a good deal, even better than we first though.  She is a huge asset to your company and is representing your brand to the highest level, I will have no hesitation in referring Sands and Holly to all my friends and family, and of course I will never use anyone else other than Holly due to the service I received.

A big thank you to Holly, she really is the best!


Miss H - September 2021

Thank you once again Erny Lee and Paul Sands for your help, it's been a tough one, honestly this could not be completed without your specific expertise, so a big thank you!

Ms Z - June 2021

I just wanted to send you a quick email regarding Holly and the fantastic help and service she has provided to us over the years, but particularly regarding our current house remortgage and purchase of a buy to let property.

Holly first acted as C's mortgage broker on her first home several years back (2016 I think?) and then acted for us in 2019 when we bought our current home together.

On every occasion that Holly as has acted for us she has gone well above and beyond to ensure that we are getting best the deal, and has helped us along every step of the way. Holly has us as customers for life and we really cannot speak highly enough of her. We are forever singing her praises when speaking to friends or family who are looking to buy or remortgage.

As soon as Holly told us she was moving from Expert Financial to Sands Financial, which would mean also being involved in pensions, we immediately referred C's through to Holly and yourselves at Sands Financial as we are fully confident he will receive the best service possible if Holly is involved in any way.

Thank you Holly for all of the work you have done for us and congratulations to Sands Financial for acquiring such a fantastic and talented employee. We look forward to all future dealings with yourselves and Holly.

Kind regards,

Mr P & Miss E - June 2021

Paul thank you very much. You, Erny and Helena did the best follow up in my case. I really appreciate you work model. Your staff are ASSETS 

Mr A - May 2021

Hi Andrew,

Just a quick message to say we are now in our new home and to say thankyou.

We received the really nice moving in card this week which was lovely, and irrespective I had down to thankyou again - you've been so helpful in this process.

Think this is the 3rd of 4th time we've worked with you over the last 5 years and we shall be again in the future.

Mr & Mrs W - March 2021

Hi Paul,

Thanks again to you and your team for all your help over the past 6 months with getting us to here. Rachel and I both really appreciate the advice and support you’ve consistently offered us. 

Cheers again and I’m sure we will be in touch when we need a new mortgage product.

Mr C - February 2021

We would like to place on record our thanks for all the help and support we received from Andy in obtaining a suitable package from Ipswich Building Society. He made this part of our move relatively stress free as he was extremely attentive to our particular circumstances.

As we are retired, Andy took pains to ensure that we understood all the implications of a loan and explained in detail all our options. He responded quickly to any of our queries and we appreciated his friendly but professional approach. Over all, it was a pleasure to deal with him.

Mr & Mrs P - January 2021

Afternoon Gina

Many thanks for all your help with various things this year – household insurance and re-mortgage etc – you have saved us £1,000!

Hope you have a nice Xmas and New Year break and all the best for 2021.

Stay safe and well.

Kind Regards

Mr & Mrs F - December 2020


Hope you and your lovely family are well?

Just wanted to let you know I finally moved yesterday!

Thank you so so much for absolutely everything! I’m So happy and relieved to finally be in and able to start the next chapter.

Please tell the lovely team of yours also they have been amazing every email and phone call, so helpful and caring. Just that personal touch meant a lot with everything I was going through.

Thanks again Paul

Mrs K - November 2020

Good Evening Gina,

Just wanted to thank you for being an amazing FA. You have made a normally, very anxious time for me, feel so stress free.

Thank you for handling our remortgage with such grace and professionalism -I will highly recommend you within my networks.

Look forward to speaking with you soon re other financial matters.

Warmest regards

Mr & Mrs S - November 2020

Dear Andy and Helena,

Thank you both for all of your help with making our house purchase possible - your sound advice and your speedy responses and updates - all of which made the process very straightforward and stress free.  We would be very happy to recommend you to others!

Mr & Mrs M - November 2020

Morning Paul, 

Thanks for all the support through the process, you made everything easy to understand and removed any stress throughout.

Mr R - May 2020

Hello Kristina and Sue,  

We just wanted to say a huge thank you for all your help, support, expertise and kindness over the last 6 months. You've been wonderful to work with and we really feel we've received a service that's gone beyond your call of duty. Thank you for being someone we could call when we weren't sure of the normal proceedings and what to do next, as first time buyers this was all very new to us and it was a huge help having you both there. Thank you for taking such good care of us, and for our lovely card! 

I've already sent my parents in your direction and will certainly be recommending you to any one in need of financial advice! 

 Wishing you both all the best. 

Miss B & Mr S - November 2019

Thank you all so much for your help and advice throughout this, special thanks to Paul who, as always, has been fantastic!! So professional and always works it all out! You are awesome!

Mrs F - October 2019

Just want to say a massive thank you for all the help you gave me! Can't believe I'm finally in. 

You really helped me out loads and were an absolute pleasure to converse with 😃 

Keep well and wish you all the best for the future.

Mr S - July 2019

Hey Andy. Moved in last week. Thanks again for your help, we also received a small gift from your office today, so thanks to your team aswell. We will definitely be recommending your services to our friends!

Mr W - July 2019

Dear Andy, I have finally settled into my new home, all thanks to you and the Sands Team. You have made my purchasing process less daunting as expected! Many Thanks again for all your help. Enjoy!

Miss Y - July 2019

Many thanks to you and Paul for arranging this remortgage. This is now the third time your company has sorted out a mortgage for us and can I just say what a first class service!

Mr & Mrs M - April 2019

Thank you very much for your help, you were amazing.  Your service was excellent.

Mr & Mrs D - February 2019

'Its rare that you come across such helpful and dedicated person like Gary, and even rarer while dealing with the “so far the most stressful event in our lives” House Buying. But boy have we been lucky!

Myself and my Partner recently had a pleasure of dealing with Gary O’Neil, he was not only our mortgage advisor, but also helped us to get insurances sorted, dealt with our Solicitors when needed, and even checked the final things before exchange for us, to make sure all was well, and we could move in Before Christmas!
Gary was honest, hardworking, efficient and just the loveliest person to deal with. I could proudly say that if any other query or financial advice we need, we will always use Gary’s services and recommend him to our friends and family.

I would like to praise Gary to the highest, and make sure that his hard work and support that he provides to his clients, such as us, is exceeding any expectations.'

Miss A - January 2018

"Dear Paul & Team , Mark and I just wanted to write to say thank you for all your help with arranging our mortgage. Yourself and your team have been great from start to finish answering all our questions no matter how small. We found you to be extremely professional yet personable and made the whole process stress free. We will always use you in future for any financial services and would not hesitate in recommending you to family and friends."

Mr & Mrs S - October 2017

"You are phenomenal, I owe you one!

Extremely grateful for your support and for your kindness".

Mr A - March 2017

"Gina, you and your team are wonderful. I am so thankful for all your help. The understanding and support I have received from you is amazing. You made me feel very relaxed and you made sure that my future is secure. You constantly reassure me that everything will be ok.  Your professionalism and positivity is beyond the words."  

Mrs M - February 2017

"thank you for recommending Sands, Kristina has been wonderful, and their service and experience is second to none."   

MR H - January 2017

"Honest, comprehensive and straightforward advice. No hard selling. I would always highly recommend the team at Sands"

Mr D

"Every one within the company made me feel like an important client. Every member of staff is helpful, every request I made was dealt with promptly. The service was professional and the turn-around from initial discussions to having the mortgage offer was fast. I have recommended Sands to my family and friends and will continue to do so without hesitation"

Ms C

"A professional team who understands the needs of their clients. I would certainly recommend them to friends and family"

Mr McH

"The service we received was exemplary from everyone in the team"

Mr & Mrs P

"Over the last 10 years, Paul and his team have helped me to grow and manage my substantial Buy-to–Let portfolio. They are always willing to engage with my Accountant which saves me a lot of time and hassle especially when it comes to tax returns! They work hard to ensure I pay as little as possible to the banks for my mortgages and their input and advice with regards to identifying suitable properties to buy has been invaluable. I would highly recommend Sands to any potential landlords out there"

Mr S

"The service I received was first class and far more informative and helpful than any other financial advice that I have received previously from other companies"

Mr G

"Having suffered a serious illness a couple of years back, it was only when I came to see Paul for a routine mortgage review that he brought to my attention that I could have made a claim on the Critical Illness policy that he recommended and arranged for me previously. He called the insurance company there and then, assisted me with the claim forms and dealt with the insurer on my behalf and as a result I received a substantial lump sum which has helped secure a better future for me and my family and it’s all thanks to Paul"

Mrs R