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During my process of purchasing my new property Bianca Patel and Evie Florelle have been the two stand out personnel. Showing excellent customer service as well as being a driving force at Torc24 in order to push through my application when I required a fast process. Bianca has been particularly accommodating and understanding to my questions and requests, which came very often due to this being the purchase of my first property. I would highly recommend Torc24 for the sole purpose of the help and experience that both Bianca and Evie provide.

I would highly recommend Aaron Rattray when seeking a mortgage - he was efficient, knowledgeable and answered every question I had to help me secure my first mortgage. As a first time buyer there were a million questions I had, he helped to answer them all and no question was a silly question. Thank you Aaron!

My experience with Torc24 and in particular my broker Richard B has been extremely positive!

As a first time buyer with very little knowledge of applying for mortgages etc, Richard has been extremely clear on everything and very knowledgeable with any questions I have had for him - and there have been many!
He was always available when I contacted him and most importantly has got me a great mortgage deal!

I would certainly recommend Torc24 and Richard to anyone looking. Richard has been a lifeline to this first time buyer doing it by herself.

First time buyers beware, extremely predatory and pushy sales tactics for an already expensive purchase.
We were recommended TORC24 by the housing developer, and having no experience as first time buyers and hearing it was free, we used them.
The affordability check was smooth and straightforward, and the agent Nabeesha was lovely and a real asset to your team.
Then we moved onto the actual process of choosing the product. This didn’t start as a “what do you need?”, everything was presented to us with every possible extra option added. I had to specifically and consistently ask for redundant products to be removed from the life insurance policy. We both work from home, we do not lead an active lifestyle and do not need or want to pay extra for broken bone cover. “Well you might change jobs” was the consistent response, which is possible but we could easily add that on at a later date if required.
This felt predatory to me, hoping that we didn’t notice and just agreed to everything.
Then came the “pay us £500 and you can use again to remortgage for life.” Why would I choose to pay that now when I have no idea how competent the service I’ll be receiving is? I said no to this and clearly the company’s directive to their staff is to include this in every communication, it was exhausting.
Nobody warned us either that mortgage lenders can accrue interest from the day of completion up until your first repayment, so that almost ended up being an extra £1,100 we had not prepared for and would have meant our first repayment would have failed. We only noticed this in the mortgage documents received days before exchange which would have been too late if they had charged us the full amount.
Then the most frustrating part was that I was consistently asked by Emma, a senior agent, to provide documentation I had already provided. When I pointed out I had already provided it, there was no acknowledgment and this just continued. Virgin Money were a nightmare and needed ENDLESS documents from me because my previous employer had failed to update my address. When I voiced my frustration and asked Emma to please explain why several years of HMRC documentation and bank statements were not enough, she ignored me completely. The lack of empathy for a customer who is making the largest financial purchase of their life frankly is awful, I’ve hired 18 year olds with astronomically better customer service skills.
All in all, I am glad I didn’t commit to their lifetime nonsense payment and I would rather pay the upfront cost to a bank.

Bianca was very helpful, supportive and communicative throughout the whole process. We're very pleased!

Speaking with Henna was a delightful experience. She was remarkably prompt and helpful in her responses. I'm pleased that I decided to subscribe to Torc24's lifetime membership.

As a first-time buyer, the process of purchasing a property is stresfull and overwhelming at times. Bianca Patel has been extremely helpful, eased me through the process, and always answered any questions I've had. I was very happy and impressed with her service. In fact, I bought the loyalty plan with Torc24 and I hope to speak with her again one day when I re-mortgage.

We recently had our first phone call with Henna from torc24, she was friendly and made me feel at ease instantly, she really took the time to help me understand the process and waited patiently whilst I got answers to her questions sorted, considering she picked up the phone close to her finishing time at no point did she make me feel rushed or that I was taking up to much of her time. Thanks Henna!

Absolutely disgraceful service, refused to work with our mortgage adviser, because our adviser found us a better deal, they want you to take out a complex mortgage because it makes them more money.
Deep Patel was obstructive, argumentative, doesn’t have a clue what he is doing at all. He put us under so much stress for no reason what so ever, all because we were not falling for the lies we were being told. Never again will we use Torc24. Horrific experience

Excellent service. Very professional and went through every option/detail.
My advisor Bianca explained process thoroughly and was always available if I had any question/query.
Would highly recommend

Had a wonderful experience with them. Professional’s handling you and guiding you towards the right decision. Personally Would like to thank TORC24. Cheers

My advisor was extremely helpful and friendly. It was like speaking to a close friend on the other end of the phone. I never felt any stress and the entire process was smooth. I would highly recommend TORC24 to my friends and family because I don't know that you can get any better service. 5stars and well deserved.

Bianca was able to find me a great mortgage deal, as well as answer any questions that I had. Her communication was great, with quick responses and a very friendly manner.

Bianca did a fantastic job of securing me a good mortgage deal, as well as walking me through the fine print. Bianca was also very quick to answer queries I had later down the line. I would definitely recommend Torc24!

Absolutely fantastic! Mitchell and his colleagues were very friendly and explained everything properly. I applied for a new home on Thursday, and on Friday, I had the call to tell me that I had been accepted. I cannot wait to reserve my new home and move in!

I am writing to express my utmost satisfaction and gratitude for the exceptional service provided by your team throughout my mortgage application process. In particular, I would like to commend Nicola, Justina, and Emma for their outstanding professionalism and dedication. From the very beginning, Nicola impressed us with her comprehensive walk-through of the entire process, which provided us with a clear understanding of what to expect. Throughout the process, Nicola, Justina, and Emma consistently provided regular updates on the progress of my application, relieving me of the need to chase for information. Their proactive communication and attention to detail ensured a seamless experience, and I truly appreciate their commitment to excellence. Thanks to their efforts, I felt supported and informed every step of the way. I would like to extend my sincerest thanks to the entire Torc24 team for their exceptional service. It is evident that they prioritize client satisfaction and go above and beyond to deliver results. I will not hesitate to recommend Torc24 to anyone in need of mortgage services in the future.

So pleased with the outcome of my mortgage :)
From start to finish I was spoken to with respect and professionalism, and everyone was available to answer my questions and concerns along the way. Thank you xx

Amazing experience, the whole process was seamless. They walked me through every step and made the process infinitely easier. Dean, Marc and David all are pros at their jobs and I would highly recommend the service.

I originally put 1 star
Nothing has changed. A bit confused done the affordability assesment it came back with 46.8% I was like "GREAT" someone called me back as and said that they put the child benefit element in the wrong box. I don't know how exactly when it was in the right box stating "other income child benefit". they then put it "right" and surprise surprise the percentage jumped to 61% and there fore Its now not affordable to me. I asked for them to send it to me and I'm still sitting here waiting for the excel file 😂 absolutely ridiculous. Next time don't try make me change a review next time. Sort yourselves out! I'm not changing this review this time around!

Stuart Allen has vast knowledge and experience in the industry. From the start until the end he has been so helpfull. I got my mortgage in 4 days.
I will be definetly using Torc24 agin.