Mystery Shopper  

Mystery Shopper: Cambridgeshire

Knowledge: The adviser provided clarity on specific elements to consider when applying for BTL mortgages. 4/5.

Email/web presence: 4/5

Verdict: The adviser provided clear information and focused quickly on costs the shopper had to think through.

Total score: 32/35


Adviser: Liberty Partnership (independent)

Address: 104 Church St, Market Deeping, Peterborough, PE6 8AL

Speed of response (time of call): 10.10am, receptionist answered after five rings, transferred to adviser who picked up after five rings. 3/5

Telephone manner: Friendly and professional. 5/5

Relevant qualifications: CeMap. 5/5

Payment method: For mortgage advice, initial £395 fee, plus the lender’s administration fee. 4/5

Guidance given: The adviser explained potential hurdles for getting a BTL mortgage, and how to overcome them, along with the inheritance tax thresholds. The adviser gave detailed information on offsetting the cost of BTL borrowing against rental yield. The adviser also mentioned the option of selling the inherited property. 5/5

Knowledge: The adviser was clear and knowledgeable on BTL lenders’ policies, naming those more appropriate for the shopper’s circumstances. 5/5

Email/web presence: 4/5

Verdict: The adviser was professional and provided good technical information to consider. 

Total score: 31/35