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Testimonials

‘People before Property’ really is what we live and breathe. Don’t believe us? See for yourself by checking out our latest reviews on Google & Facebook and our testimonials below.

Within 24 hours of our initial enquiry to Michelle, we heard that our re-mortgage application had been accepted, thus bringing to an end several months of uncertainty. We cannot praise too highly her detailed knowledge and experience of the mortgage market.

Mr & Mrs Hawkins, Bicester


Since first coming across Michelle 7 years ago when she guided us through our first purchase Michelle has been brilliantly efficient in all she has done but maybe even more notably, she has been truly concerned about our individual situation and persistent in making things happen quickly, easily and without fuss. No doubt that I’ll be giving IMS a quick shout before remortgage in a few years!

Mr & Mrs MrWells, Brackley


After searching the internet and high street we decided to do our remortgage through Barclays as they offered us the best package. 8 weeks down the line we were still waiting for our survey and got no assistance from the advisor at the branch! This is when my partner contacted Michelle and the whole process has been completed in about 6 weeks.

Michelle and Sarah have been fantastic all the way through, keeping us informed every step of the way and generally being so helpful and friendly it’s been painless! They even sorted out our insurances for us, I really could not praise them highly enough and will certainly be calling Michelle again in 2 years when our fixed rate ends. We really can’t say Thank you enough!!

Mr Scott & Miss Lafford, Bicester


I discussed my plans to raise a mortgage with my accountant and he referred me, without hesitation, to IMs Apparently Michelle has offices close by and her abilities and performance were already well known to him. This was a significant benefit to me as the two could liaise regarding my financial affairs, thereby further simplifying the task of sorting out a mortgage for me. Prior to setting out on this route I had already taken a quick preview of the market. But Michelle was able to do this much more effectively, finding just the right mortgage to meet my needs. As it turned out the first sale fell through, but Michelle and her colleague Sarah were able to make light of this setback. Despite being on a tight timeline, once my wife and I had found another property they pushed the whole process briskly right along, gaining priority treatment for us and swift reapproval of our new property.

I am more than happy to recommend the services of Michelle, Sarah, and IMs

Dr Paul Taylor, Redgrave


I would definitely recommend IMS Independent Mortgage Solutions to anybody! We thought both Michelle and Sarah were very helpful. We didn’t have to do any chasing what so ever when anything changed they called us straight away with any updates. We are both first time buyers and didn’t know much about mortgages but they told us everything we needed to know and they managed to get us a mortgage we were happy with. we have been in touch with a number of mortgage advisors in the past and many of them filled us with believe we could purchase property which was out of our price range, and therefore impossible, but straight from the very first phone call Michelle and Sarah have been honest, helpful and we have been very impressed with them. Without their help I honestly believe we would be going round in circles still trying to buy our first home. Thank you very much for all your help, we really appreciate your hard work and effort.

Mr Buckingham & Miss Fallows, Witney


We found IMS on the internet having never dealt with them before. We spoke to Michelle over the phone and were immediately impressed with her relaxed and friendly advice. She found a mortgage to suit our needs and our pocket, keeping us fully informed at every stage of the transaction. Michelle made what can be a very stressful time into an easy to understand and beneficial experience and we would definitely use her again and recommend her to family and Friends.

Mr & Mrs Dodd, Buckingham


As before, we received a great service from Michelle & team, a great saving was made on our monthly mortgage payment which has made a huge difference to our monthly outgoings. I am sure we will use your services again in the future!

Mr & Mrs Banks, Witney


I would highly recommend that everybody seeks their financial advice from Michelle at IMs I went in to see if I could afford to sell my flat & get a bigger mortgage so that I could move up the property ladder however I didn’t really believe that this was possible. Michelle was so friendly, welcoming, knowledgeable & on the ball & I was over the moon when she advised me that my dream was possible! It is very reassuring knowing that Michelle is switched on & responsible enough to not proceed with something if she knows that it is going to be too much of a stretch or too risky. Her honesty made me feel very safe. The service throughout was excellent, I received weekly updates via email & I knew that I could pick up the phone & speak to Michelle & she would know who I was & the progress of my mortgage application instantly. This service is miles ahead of the other financial advisors I have used in the past. I will 100% be using IMS again & have already recommended Michelle to a number of friends & family.

Miss Brooks, Bicester


IMS provided a friendly, efficient and above all prompt service in getting a mortgage with minimal hassle. The advice they provided was helpful and they also provided regular progress updates along the way.

I would be very happy to recommend their services without hesitation.

Mr Krier, Cheltenham


Michelle & Sarah, Just a short note to thank you for organising the mortgage. I know it was slightly complicated but it didn’t seem to faze you and I’m grateful for all the effort you put in.

Keeping us regularly informed of progress was also appreciated.

I know where I shall call for the next one!

Mr Eveson, Witney


I have re-mortgaged my property with the help of Michelle and Sarah they were a great help from start to Finish, they took all the hard work away and explained everything very clearly. IMS offer a nice, friendly, professional, helpful service I have already recommended them to friends and will defiantly use them again.

Mrs Oliver, Brackley


I have to say that Michelle’s help with the whole process has been invaluable. From the initial call to make an appointment, the help and advice on the best way forward, and the fact that I was never more than a call or e-mail away from help if needed. It was also helpful to have Sarah available to deal with any queries quickly and professionally in Michelle’s absence. Very friendly and knowledgeable service. And the tea’s not bad.

Mr Peabody, Calvert


When we came to IMS, we were expecting to leave feeling disheartened, after previously having no luck with mortgage advice. We were told we definitely could not afford a new mortgage. After visiting Michelle we are able to save a massive 300.00 a month, as she was able to work out our messy situation and offer her advice and expertise. Michelle can offer you advice and solutions that you won’t find elsewhere. You receive regular updates and always know how things are progressing. Both Sarah and Michelle are welcoming, friendly and knowledgeable and the personal service they provide is second to none. We will definitely recommend IMS to our friends and family.

Miss Roberts & Mr Halsey, Bicester


We just wanted to say thank you so much for your speed and efficiency in sorting out our remortgage. Michelle your advice has been clear and concise and Sarah you have kept us up to date practically by the minute. We truly appreciate your hard work and ultimately are grateful for reducing our stress levels by 100%!

Mr & Mrs Crane, Bicester


I would like to extend my thanks to Michelle for the advice and help you have given me. Your service is excellent and I would recommend IMS to any one requiring any advice and help.

Mr B & Mrs M Smith, Bicester


Michelle understood my requirements perfectly and quickly came up with suggestions for the type of mortgage which suited my needs. My case was not that simple, but the features of the product and the associated fees were clearly explained. The service provided was excellent and I would recommend it to others who wish to find the most appropriate mortgage for their situation.

Dr & Mrs Read, Bicester


After making the decision to move to a new town for family reasons, I was disappointed with the mortgage offer from my then mortgage lender and decided to contact an independent advisor to assess my personal circumstances. I called Michelle first and was from that initial phone call, I was confident that I would receive the professional and friendly advice that I was looking for. Michelle’s knowledge of the mortgage market is impressive and I am very happy with the product choice that we made. Michelle and Sarah were always available to answer my questions during the whole process. What could have been a potentially stressful situation was in the end was straightforward and painless!

I would definitely recommend IMS and will be back in touch when my current deal ends.

Miss Ferris, Wantage


Just to say how pleased we were with the professional and knowledgeable advice we were given by Michelle when we approached her to provide a mortgage solution to us. She gave us the confidence to pursue an alternative approach to moving house when our bottom of the chain fell through. She calculated our affordability and quickly provided two mortgage illustrations which enabled us to go ahead with the idea of letting our own property and releasing enough funds to purchase our new house. This was not possible with our existing lender and therefore we asked Michelle to help. Deadlines were short and Michelle’s team worked tirelessly to chase both applications over the two weeks up to exchange of contracts. Their communication with us was fantastic as we knew where we were at each stage. They had a professional, persistent and highly positive attitude which helped us through a stressful time. We can’t thank them enough for their help and will not hesitate to use their services again in the future . We would recommend IMS Solutions to anyone in need of professional advice on mortgage lending.

Mr & Mrs Bateman, Bicester


We’ve used Michelle’s services for our last three mortgage/remortgage applications over the past 5 years, and have always found her to be extremely efficient and knowledgeable. Her friendly and positive attitude makes the process less of a chore and almost enjoyable! We would happily recommend the IMS team to anyone.

Mr C & Mrs J Wright, Bicester


I recently popped into the IMS office in Bicester on the spur of the moment, I was very pleased I did. Michelle found me a very good re-mortgage product, which reduced the term of my mortgage by 18 months for a few extra pounds a month. Sarah kept me very well informed about how my mortgage application was progressing. An excellent team I would highly recommend.

Mr Coates, Bicester


I would like to thank you for being very communicative and clear in your dealings with me. You were a pleasure to deal with and in the early stages when looking for a mortgage and insurance details re: the property, you did put a lot of effort into that fact-finding mission. Once again, many thanks and I would recommend you to others.

Ms Tuite, Oxford


Just a short note to say a big thank you for the wonderful service you have provided for my husband and I. Michelle you gave us clear, professional mortgage advice and made the whole process a pleasure. We felt that we had been given the best quotations which made choosing the right mortgage lender easy for us. Also in the process you were able to find a better insurance protection at a lower price giving us exactly what we asked for and more. And I Just want to say what a difference giving us email updates twice a week made to the process, I didn’t have to chase you once for any information which was so refreshing as we knew we hadn’t been forgotten. We shall always use your services in the future and we would be happy to recommend IMS to any new clients.

Mr & Mrs Gray, Bicester


IMS offer a very friendly and efficient service with excellent feedback throughout. We have no hesitation in recommending Independent Mortgage Solutions,thank you all for the excellent service we have received.

Mr & Mrs Holmes, Bicester


I would like to extend my thanks to Michelle and her team for the advice and help they have given to me. The service was excellent and I was kept up to date with the progress of my application on a regular basis, I had very little to do as the team took care of everything and I would recommend IMS to any one requiring any advice and help.

Mr Long, Bicester


As first time buyers we had no idea where to begin with buying a house and obtaining a mortgage. From our first meeting with Michelle, she was friendly and helpful and answered all our questions clearly. The mortgage application was very simple and well explained. We were kept up to date with developments almost daily by Sarah & Charlotte. It wasn’t just the mortgage IMS helped us with, but they also arranged solicitors, protection & house insurances and were at the end of a phone with any queries that crept up along the way.

IMS offer a professional and friendly service & we have already recommended them to family & friends. Thank you so much for everything you have done for us.

Mr & Mrs Burns, Bicester


The team at IMS found us a new mortgage which was almost £100 per month cheaper than our existing mortgage, despite being on a fixed term basis rather than variable. This was a better deal that we had been able to find ourselves, trawling through websites/search engines. We were delighted with these new figures and the process of applying was made very easy with forms sent to us indicating clearly what was required, where to sign and what to do next. We also really appreciated the bi-weekly email updates which kept us up to date on our application, which all ran very smoothly and was almost entirely administrated by IMs In addition, I referred a friend to IMS who needed a quick, urgent quote for buildings and contents insurance and was satisfied with the speed and efficiency of the response as well as the money-saving deal. I wouldn’t hesitate to recommend IMS to others interested in similar services.

Mr & Mrs Harper, Wales


Despite the many problems associated with being self-employed and having never had a mortgage before IMS secured us a good deal and helped us every step of the way. Michelle and her team took the effort out of what would otherwise have been a stressful and complicated process. An excellent and highly recommendable service from start to finish.

Mr Dunbar & Miss Friend, Oxford


I have had a great experience with IMs This is the 3rd mortgage I have arranged with them and every time I have got an unbeatable friendly service with a deal to match. I would highly recommend IMS to anybody looking to get a mortgage they have been more than helpful every step of the way. Thank you very much

Mr Dumbleton, Bicester


IMS gave a first rate personal service compared to other mortgage brokers I spoke to, and they saved me money and time. After explaining my situation, IMS recommended a mortgage that I did not think I was eligible for which is more flexible and has a lower interest rate than other mortgages I looked at. The advice and back up service have been brilliant and the fees lower than other brokers.

Ms Howe, Oxford


Michelle, Sarah and Charlotte have all been most helpful in finding me a mortgage. Michelle has found me a great mortgage offer which suits all my requirements. To help the process run very smoothly Sarah and Charlotte have always been very helpful and responsive in answering any of my queries. I am very happy with the outcome and would recommend their services. Many thanks to you all.

Miss Brown, Bury St Edmunds


I have never written a testimonial for a company in my life but the service I have received from IMS has been exceptional I would not hesitate in recommending this company to anyone looking for a new mortgage or looking to renew an existing one. I would like to thank Michelle Niziol and her team for their professionalism, work ethic and dedication in making my mortgage process a pleasant and smooth experience. I will be telling as many people as I can to use you for their financial needs.

Mrs Martin, Bicester


I would like to thank you for all your help throughout our mortgage application, you kept us very well informed throughout the whole process. Michelle and the rest of the team have been very helpful to all queries we have had, it was a pleasure dealing with you all. We will recommend you to friends who are looking for a mortgage.

Very professional service is provided by all at IMS, Thank you once again.

Mr & Mrs Dunn, Bicester


I wanted to write and say how delighted my wife and I have been with the service we have received from IMs We were put under a tight deadline by the vendor to buy our new home in Stratton Audley but, having had an initial meeting with Michelle, we could tell immediately we were dealing with someone who listened to and understood what we wanted and then gave professional, appropriate and specialist advice. Michelle was able to source a highly competitive rate and which best suited our requirements -my wife and I were absolutely delighted.

What surprised me the most about IMS service was the follow up process and what happened next. Charlotte provided us with bi-weekly updates so we knew exactly where we were with the mortgage as it proceeded to its conclusion. She methodically followed up all of the paperwork and was exceptional with liaising with the mortgage surveyor and estate agent and her tenacity ensured that the mortgage offer came through in plenty of time (a good 10 days before the vendor’s deadline). Her hard work has made the purchase of our new home completely stress free.

I have bought many houses and flats over the last 25 years and have never before experienced such great customer service from any mortgage broker. Outstanding – Well done team IMs

Mr & Mrs Rushworth, Stratton Audley


We found Michelle and the team, very professional; we have appreciated the updates and advice, even if the questions seemed silly, Michelle didn’t mind answering, even late at night!

Mr & Mrs Coughtrey, Steeple Claydon


Michelle, Sarah and Charlotte have all been most helpful in finding me a mortgage. Michelle has found me a great mortgage offer which suits all my requirements. To help the process run very smoothly Sarah and Charlotte have always been very helpful and responsive in answering any of my queries. I am very happy with the outcome and would recommend their services. Many thanks to you all.

Miss Brown, Suffolk


We were recommended to Michelle and IMS by a colleague at work who said that she had received a 1st class service from them….and I can honestly say that I was not disappointed. As first-time buyers, Michelle guided us through all the jargon, terms and finances so we had a clear idea of what was involved. Both Michelle and her team were always responsive, courteous, and took a lot of the stress out of the process for us! They were absolutely, 100%, worth every penny of their broker fee. I will be recommending Michelle and IMS to anyone I know who is buying a house as you are in a safe pair of hands with them. Thank you Michelle, Sarah and Charlotte for everything you did for us.

Mr Morton & Miss Hewitt, Oxford


We wished to continue our offset mortgage beyond age 65 but found that the large banks were reluctant to do this. We approached IMS and Michelle and she was able immediately to recommend a deal with the Coventry Building Society. This has enabled us to retain some of our savings equivalent to the outstanding mortgage balance and at the same time permit borrowing against our own funds for any urgent major projects. We found Michelle and IMS knowledgeable and their twice weekly update on the progress of the application was most helpful. Fees were most reasonable and the free online solicitors have eased the process. A search on the internet provided details of IMS and this firm suited us, as it is local to Oxfordshire.

Mr Kelly & Mrs Kumiega, Oxford


IMS have proved incredibly helpful from the outset. My partner and I are first time buyers and were virtually clueless as to the complexities and procedures required to get a mortgage. IMS has provided clear guidance and help along with handling virtually all the administrative work required for our mortgage, they have made a daunting process far more simple and stress free. Mr Gookin & Ms Rodwell, Chesterton. We have found Michelle to be incredibly knowledgeable and utterly trust-worthy during our dealings with her. Her enthusiasm for what she does has helped us save us a lot of money and I would recommend her every time to anyone who needs mortgage advice and wants a high level of customer service.

Mr Genari & Miss Reynolds, Hampshire


IMS were recommended to us as we wanted peace of mind in securing the required value of mortgage without any unnecessary complications. It was immediately apparent that Michelle and her team were extremely professional, as we confirmed the application on the Thursday afternoon and had the offer agreed and confirmed within 5 working days. The advice and support has been first class and we will definitely be returning to them in the future.

Mr & Mrs MacAndrew-Uren, Chesterton


Just to say how pleased we were with the professional and knowledgeable advice we were given by Michelle when we approached her to provide a mortgage solution to us. She gave us the confidence to pursue an alternative approach to moving house when our bottom of the chain fell through. She calculated our affordability and quickly provided two mortgage illustrations which enabled us to go ahead with the idea of letting our own property and releasing enough funds to purchase our new house. This was not possible with our existing lender and therefore we asked Michelle to help. Deadlines were short and Michelle’s team worked tirelessly to chase both applications over the two weeks up to exchange of contracts. Their communication with us was fantastic as we knew where we were at each stage. They had a professional, persistent and highly positive attitude which helped us through a stressful time. We can’t thank them enough for their help and will not hesitate to use their services again in the future . We would recommend IMS to anyone in need of professional advice on mortgage lending.

Mr & Mrs Bateman, Bicester


We’ve used Michelle’s services for our last three mortgage/remortgage applications over the past 5 years, and have always found her to be extremely efficient and knowledgeable. Her friendly and positive attitude makes the process less of a chore and almost enjoyable! We would happily recommend the IMS team to anyone.

Mr C & Mrs J Wright, Bicester


As a first time buyers I had no idea where to begin with buying a house or obtaining a mortgage. From the outset Michelle was friendly and answered all questions I had. I have been kept up to date with developments from Sarah which is brilliant and they are always at the end of a phone if any queries have crept up. IMS offer a professional and friendly service Thank you so much for everything you have done.

Miss Newell, Oxford


IMS were able to show us mortgages from across the whole market place and through expert guidance, we were easily able to pick one to suit our needs. We were regularly kept up to date with how our mortgage was progressing. Paperwork was kept to a minimum and easy to work through/understand.

Mr Saunders & Miss Coggins, Bicester


We would like to thank you for your support and advice in securing our mortgage on our first home.

As first time buyers the prospect of arranging our first mortgage was very daunting, your office ensured that things were dealt with promptly and efficiently. The regular updates and communications were greatly received and our minds were put at rest knowing everything was in hand.

Things were explained in great detail and the team are extremely knowledgeable and responsive.

It has been a pleasure to work with you and I will most certainly be recommending you to friends and family.

Mr Jowett & Miss Hamer, Bicester


I’ve used the services of Michelle and IMS three times over the last five years and I keep coming back because I really value Michelle’s help and advice when it comes to mortgage matters. In the beginning, Michelle helped me through the baffling experience of trying to sort out a mortgage as a first-time buyer, and got me a good deal in the process. Michelle and Sarah are both so friendly, and the service so good, I don’t want to go anywhere else.

Mr Stratford, Milton Keynes


The service we received from IMS was not only professional but incredibly efficient. We explained our needs and the most suitable product was quickly identified. The process was quick and efficient too. IMS did a great job of keeping us informed and up to date with the progress of our application.

Mr & Mrs Sherwood, Bicester


Having been a client of Michelle’s for many years her advice has always helped me get the best deal for my mortgage. Both her and the IMS team have been most helpful and their communication with all parties concerned with my situation excellent. I highly recommend using IMS for advice on the mortgage market as they make it all simple and easy to sort out.

Mr Shepherd, Brackley


Thank you for arranging the remortgage on my rental property. The advice and help I received from you and Michelle was brilliant and professional. I am impressed with the speed and ease the whole process took, which took away a lot stress from me. I have to thank Michael Daniels for putting me on to you.

Mrs Paardekooper, London


Thank you for all your help with my mortgage application. It was lovely to have such a helpful and friendly team working on my behalf. Obtaining my first mortgage seemed such a daunting task, but with your expert advice and reassurance everything went like clockwork! Please pass on my thanks to the whole team at IMs

Mrs Heaney, Witney


I had a great experience with IMs The service was excellent and I was kept up to speed with the progress of my application on a regular basis. I would recommend IMS to anyone else needing help or advice.

Miss Eldridge, Buckingham


Just to say thank you for your extremely quick and efficient service service in arranging our mortgage. We would definitely recommend your services to friends and family!b

Mr & Mrs Godfrey, Carterton


Remortgaging and or refinancing can be an arduous task for most at the best of times. The professional advice provided to us by the IMS team has provided excellent results time and time again. IMS adopt a personable and considered approach which is a big plus for us. We are in our 4th year of dealing with Michelle and her team and we look very much forward to continuing with this excellent relationship for many years to come.

Mr & Mrs Nealon, Brackley


The service from IMS was really good. I found everyone very friendly and approachable, and they took the time to explain things to me in detail which, being a first time buyer, I really appreciated! Michelle also spent plenty of time explaining my options to me and even helped me to complete the forms required. I received regular updates so that I knew what was happening and everything ran very smoothly and efficiently.

Miss Knight, Bicester


We have taken Michelle’s advice on our last two mortgages. On both occasions she found us a mortgage that we didn’t know was available and matched our needs perfectly to fund extensive rennovations. We found the service that Michelle’s team offered to be speedy and efficient. They kept us updated on the progress of the application which went very smoothly.

Mr & Mrs Haworth, West Yorkshire


We first met Michelle 2 years ago when we needed to remortgage. When our deal came to an end it was an easy decision to go back and see Michelle again. Her efficient and speed service, searching through a large range of mortgage providers got us a new deal, saving us around £100 a month. Michelle and her team are efficient and very helpful.

Mr & Mrs Hicks, Ardley


Given the almost complete lack of notice on my part, Michelle and her team have provided an exemplary service to me, quickly establishing the best mortgage product for me and arranging funding, legal support and surveys all at keen prices. The legal team and the surveyors have been equally professional and prompt in their actions.

I would have no hesitation in recommending Michelle’s services wholeheartedly.

Mr & Mrs Peyton-Bruhl, Brackley


The service provided by IMS has been first class and we would highly recommend them. They have managed to reduce our mortgage by 6 years without having to increase our monthly payments so we are extremely pleased. The IMS team have been very helpful and we will certainly be using them again in the future. Thanks for all your help.

Mr & Mrs Cowley, Buckingham


Great service, great team all round. Always feel like Michelle and you guys take ownership of problems throughout the process and listen to what we have to say. For those of us with heavy work schedules the updates and reminders are hugely valuable too.

Mr & Mrs Tregurtha, Bicester


There was no doubt in our minds that we would need Michelle’s mortgage advice again for when our current mortgage deal expired. Michelle was great the first time round when we bought our house, so professional, so prompt, this took away most the worry and the stress associated with applying for a mortgage. Michelle had it all covered, the best mortgage deals and insurances around and sound advice.

Mr & Mrs Manarkolli, Oxford


Over the last 8 years IMS have been first class not only on a professional level in advising and managing a number of house moves but maybe more importantly on a relational level. The attention to detail and genuine concern for us as a newly married couple to make the best financial decisions for the future has been their most notable quality. Thoroughly professional – thoroughly genuine. Hoping not to move again too soon, but if we do then we know where we’re heading!

Mr & Mrs Wells, Bicester


I have been very impressed with IMs From the moment of our first encounter everyone has been so friendly, pleasant and helpful. Michelle listened to our situation carefully and all advice since then has been relevant, well documented and appropriate at that point in time. Both Michelle and Sarah have made me feel that they have time for me and that nothing is too much trouble. I have always felt I knew what was going on and all suggestions, queries or worries have been followed up immediately. A great team!! Thank you.

Mr Brown, Bicester


Just a quick note to say thank you so much for helping me secure a mortgage. My own situation was usual, so I really appreciated your understanding and persistence in helping out. The service received was amazing and being kept regularly updated relieved a lot of stress. Thank you so much for everything.

Ms Sordillo, Oxford


IMS were very quick, efficient and pleasant to deal with. They kept in touch closely with us throughout the whole process. We will use them again.

Mr & Mrs Durham, Witney


Overall we were very impressed with the service Michelle (and the rest of the Team) provided us, and would go as far as to say it would be difficult to fault. When we first visited we were both clueless with regard to mortgages, and Michelle took the time to walk us through the steps required and explained our options clearly which was great. Further, given our slightly complex situation regarding credit records, you couldn’t have been better in reassuring us and then finding an alternative solution going forward. Based on that we would certainly recommend you to others (and have done so already!). Thanks again for your help, hope to see you again in a few years when its time to renew.

Mr Burford & Miss Williams, Winslow


We first discovered IMS 2 years ago when purchasing our first house. As first time buyers we had no idea of what to expect but Michelle and her team took exceptional care of us, talking us through step by step and finding the best mortgage to suit our personal needs, so they were the first people we thought of when buying our next property to help us find a mortgage.

We were provided with regular updates and had answers to any queries we had along the way making the whole process a lot less stressful.

The service at IMS is second to none, the friendly, helpful and professional attitude of all the team along with the knowledge your receiving Mortgage advice you can trust will ensure we return to them every time.

Mr & Mrs Naisbit, Bicester


As a first time buyer, I really valued Michelle and Sarah’s advice and support. Not only in ensuring I get the right mortgage, but in explaining the whole process and keeping me regularly informed with lender updates. I knew my complicated income would limit the lenders available, but Michelle found a product to fit and I felt reassured knowing I could pick up the phone at any time and ask IMS Mortgage for their advice (which I did, on many occasions!). I was recommended your services by friends and would certainly recommend you myself! Thank you for your guidance in helping me get the home I really wanted.

Miss Polson, Oxford


I would like to take a moment from my lovely new home to thank you for service and advice. Not only did you manage to find us a mortgage when it seemed the odds were against us but to arrange our home and life insurances finding the best deals really was an amazing help to us. Your advice is always clear and hassle free and has ensured two very smooth moves for us. Thanks again.

Mr & Mrs Samwell, Bicester


I have used the IFA services of Michelle Niziol and IMS in relation to remortgaging and initial mortgage contracts over quite a number of years now. I would like to say that I wholeheartedly recommend Michelle and IMS as perfect examples of IFA excellence and efficiency.

In the present climate where rates are ever changing and the base rate and correlation with mortgage provider rates can cause confusion and mistrust of the mortgage provider industry in general it is good to know an IFA who has a common sense approach and is personable and efficient in her work. Her work and approach to matters (her “can do” approach) helps her and us, the general public, achieve our mortgage needs.

Refreshing and pleasant to deal with.

Mr & Mrs Sunderland, Suffolk


I thoroughly recommend Michelle and the IMS team, they have given me clear and sound advice in plain English to enable me to make the right choices to suit my needs.

They have given me regular updates keeping me informed at every stage and are happy to answer as many questions I had. It’s been a refreshing change to be treated as an individual with excellent customer service.

Mr Foulkes, Wheatley


IMS have provided a friendly and professional service at all times. I have found the advice to be helpful and informative and was left feeling a lot more confident about buying my first home.

Mr Brown, Banbury


Both Michelle and Sarah are friendly, approachable, helpful and pro-active, so you know you are in good hands with them. We received regular email updates on the status of our application, which was really helpful and saved us the time and hassle of trying to chase solicitors etc ourselves! We would definitely recommend IMS to friends and family, in fact, we have been!

Mr & Mrs Williams, Bicester


From start to finish Michelle and Sarah gave us a first class service. Every aspect of our re-mortgage was explained very clearly and everything was made so easy. We would definitely recommend IMS to our friends and family and in fact, have already done so.

Mr & Mrs Evans, Kidlington


We were absolutely thrilled with the service we received from IMs Both Michelle and Sarah went out of their way to help us through the process and were quick to respond to all queries, no matter how small. We were first-time buyers and working to a short deadline for exchange of contracts and Michelle and Sarah made sure we understood what was expected from us and that we were prepared throughout. We can’t recommend IMS enough.

Mr Crowe & Miss Lees, Oxford


When we were first recommended to IMS we had no idea about the mortgage process or really what they did.We were so surprised at how simple they made the process. From the initial enquiry, right through to picking up our new house keys, the process was quick and painless. Every visit into their office was reassuring and we were greeted by friendly, smiling faces. We cannot thank IMS enough for all the hard work they have put in over the last couple of months and the weekly updates we received, keeping us updated on progress and making the service feel tailored and special.

I would recommend anyone who is thinking of buying a home and in need of a mortgage to contact to IMS, I believe that they are the best around and for first time buyers they are a must have service!

We will never be able to thank Michelle and Sarah enough.

Mr Finlay & Miss Collins, Bicester


I have found IMS extremely helpful and efficient in arranging my mortgage. They take the stress out of the process and their regular updates are invaluable.

Ms Lovelock, Oxford


We have been coming to Michelle for mortgage advice for 5 years, and she has always given us great advice; from purchasing our first home when the whole process was completely foreign to us, to re-mortgaging and then finding a mortgage in order to move to a new home. Michelle and her team always work so hard to get us the best deal, and are always in contact with us to let us know what is going on. The whole IMS team are a pleasure to deal with and make what could be a very stressful process so easy. We have recommended Michelle to our family already, and will continue to come back again and again!

Mr & Mrs Reynolds, Milton


We have used IMS for both our first time mortgage and our first remortgage. Both times we were given good, impartial advice, and everything was explained clearly to us. Michelle put a lot of effort into finding the deal that best suited our needs. We we’re also kept well updated on the progress of our mortgage application. We would definitely consider using IMS’s services again in the future.

Mr & Mrs Waugh,Woodstock


I am very impressed with your all round service and obvious experience in the field. The initial meeting was extremely good value for money.

Mr & Mrs Seccombe, Salford


I have been thoroughly impressed with the service received from IMs The IMS team have taken away all the pressure surrounding getting a mortgage and made it very easy for my partner and I, for which we are very grateful. Sarah has kept us regularly updated and informed in relation to our mortgage queries. I have recommended IMS previously to family and friends and will continue to do so in the future. A first class service.
Miss O’Keefe & Dr Batson, Coventry


IMS made the buying procedure a whole lot easier. As first time buyers it was really helpful to have someone keeping us in the loop and doing the chasing for us. All the paperwork was explained fully and we felt like the service we were receiving was personalised to us.

Mr & Mrs Pearce-Jones, Carterton


From the word go, Julia and I have found IMS to be professional, responsive, open and honest in their approach to dealing with our mortgage renewal. There has been close contact and frequent updates courtesy of the IMS team, keeping us fully informed on progress relating to our Mortgage request. I do believe Michelle had our interests at heart and that IMS was offering sound independent advice guiding us in the right direction and to the best possible solution. I would have no hesitation in using IMS in the future, or recommending Michelle’s services to friends and colleagues.

Mr & Mrs Chapman, Gawcott


Thanks very much for your very attentive monitoring of the process and your regular communications – very impressive!

Mr Smith, London


The reason I returned to IMS with my mortgage requirements is they impressed the 1st time round with speed of response and excellent communication throughout and I felt that Michelle was interested in getting the best deal andmeeting my requirements.

They’ve also impressed the 2nd time round so it’s very likely I shall continue to use them for my future mortgage requirements

Mr & Mrs Feasey, Daventry


The service that we received from IMS was outstanding!! I would recommend them to anyone!

Michelle was very helpful and was very efficient, she was very prompt and explained everything very clearly.

I cannot fault the service that we have received.

Thanks Ladies.

Mr & Mrs Payne, Launton


We were impressed with the service we received from Michelle and her team from start to finish. Michelle talked us through everything we needed to know and was completely honest with her advice. She took the time to explain our options and make sure that our mortgage was affordable and right for us. Michelle also went out of her way to help, even emailing back and forth one evening to make sure everything was right! Sarah kept us updated on the progress of our application and was always there to help and answer questions along the way. It was great to feel that we had a good supportive team behind us during the stressful time of buying and selling a house.

Mr & Mrs Wetton, Bicester


Exceptionally professional, efficient service from beginning to end! IMS have made the whole process of buying a house so simple and stress free. Michelle has a wealth of knowledge of the mortgage market and took the time to explain to me all my options in simple terms which immediately put me at ease and also found me a great deal.

Michelle also arranged my solicitor for me and I received weekly progress updates from Sarah which was very much appreciated. Not having to do any of the chasing around and knowing your mortgage is in safe hands is invaluable. Can’t thank them both enough.

I will be recommending IMS to as many people as possible!

Mr Gorgen & Miss Hilton, Camberley


I was looking to remortgage and found IMS based in Bicester town centre on the Internet. There website was very informative giving lots of helpful information and advice.

From my initial call to IMS I have been very impressed with all aspects of their service. Michelle and her team are very knowledgeable and really strive to help you through the often complex process of finding the best mortgage deal. I have been impressed by their flexible approach arranging meetings and appointments at times that suit me.

Their customer service is second to none, and the regular email updates are really useful. I would have no hesitation in recommending IMS, and will certainly be using their services again in the future.

Mr Croft, Bicester


Before I used IMS for advice on my mortgage, I was very unsure on how to go about things.

I was very impressed with Michelle and her advice; she really explained things and made it all very easy to understand. I received very professional honest advice from Michelle, who went out of her way to find the right mortgage for me. The service I received was excellent, I was kept up to date every step of the way with bi weekly e-mail up dates from Sarah who also couldn’t do enough to help me, and I was made to feel as though nothing was too much trouble.

I would like to thank Michelle and her team for taking the stress away from buying a house and I would recommend IMS to anyone.

Mr Withey, Bicester


Michelle and team have been brilliant right from the first phone call, throughout to signing the final papers. Everything was done really quickly, and any questions we had were dealt with in a way to make us both understand. Would certainly recommend to anyone who needs any help, and we will definitely use IMS again. Thank you for all your help.

Mr Mills & Miss Armstrong, Bicester


Many thanks for all your help on my Right to Buy mortgage, the whole process has been as low-stress as it possibly could be, I’ve very much appreciated the regular updates and the fact that you reply normally within minutes to any questions I might have. I wouldn’t hesitate to recommend your service, it’s been worth every penny, and then some! br/>
Many, Many Thanks again!

Mr Keaney, Bicester


Very happy with the excellent advice and service we have received from IMs Michelle & team have made re-mortgaging very easy for us. Fast, efficient service and very good communication with regular progress updates. We would use IMS again and will recommend to friends and family.

Mr & Mrs Thompson, Bicester


I returned to IMS 2 years after they helped arrange my mortgage, to help find the best fixed rate deal out there to switch to, as my current deal was coming to an end. Estimating it will save me around £120 a month in repayments on this new deal, and at no costs to me. That’s a big saving.

The service from IMS is very professional and I receive a response to my email questions very promptly, even at weekends.

Mr Davy & Ms Starr, Oxford


We have been coming too Michelle and her team at IMS for around five years now and have been absolutely delighted with her services. Fantastic results every-time and expectations always exceeded. We are always kept up to date on our mortgage from start to finish including any extras such as solicitors or insurances.

We will back next time for another cracking deal!

Mr Smith & Miss Alderton, Upper Arncott


My husband and I have used IMS twice now and we feel that the services they offer are above anything we could have ever expected. Michelle and the team provide an exceptional service and are always there to answer any queries and give the best possible advice. The correspondence is impeccable and they always keep you informed every step of the way. We will definitely continue to use IMS in the future and would without a doubt recommend them to anybody who was looking for such services. Thank you again for all the support and guidance we have received over the past few years.

Mr & Mrs Smith, Brackley


We would like to extend our thanks to Michelle and the team at IMS we are very impressed with the professional service which has been extremely efficient, your communication is always clear and we were updated regularly we will definitely highly recommend you to others looking for advice and help with their mortgage.
Thank you ladies very much.

Mr & Mrs Gillespie, Begbroke


IMS have been the perfect partner for me in applying for a mortgage, I wanted a firm who would just explain the detail in simple terms over the phone and produce the paperwork and take the headache out a mortgage application and say Sign here!

I can truly say that Michelle and the team delivered, 100% Honest and trustworthy and would recommend them to any person or persons who were looking for a mortgage.

Mr Moss, Kidlington


Buying a new house can be pretty terrifying so it was great having someone to help and reassure us along the way – especially when it came to the particularly scary stuff – the money! Michelle and Sarah were great to work with, found us a really good deal and helped make the whole process that little bit easier.

Mr Lee & Miss Parkinson, Bicester


We would just like to thank you for help in securing our mortgage today. Your expertise and professionalism has made this a very easy process, I must compliment you on your communication, and you kept us informed at every step and will certainly be recommending your company.

Mr & Mrs Heath, Bicester


I found IMS via an internet search and from the very first phone call they have been fantastic; professional, friendly and efficient.

As a first time buyer Michelle explained all my options in plain English and was happy to expand on anything I wasn’t sure on.

I feel absolutely happy with the mortgage I have taken out; and with what my longer term options are too.

Michelle and team kept in touch and constantly updated me throughout the whole buying process. They are always happy to answer any queries at any stage, by email or phone.

I will without hesitation use IMS again and recommend them highly.

Mr Boaz, Banbury


Michelle and team take the stress out of securing a mortgage. The advice and support we have received has always been trustworthy and seamlessly professional. IMS clearly acts in the best interests of their client’s right down to the generously sized tea cups! Since first contact we have never considered going anywhere else.

Mr & Mrs Keep, Upper Wardington


The service from IMS made remortgaging swift and simple and the team are professional and friendly.

Mr & Mrs Daniels, Brackley


This is the 2nd time I have used IMS, and again, I have been very impressed with the service I have received from Michelle and team. I was kept up to date at every point of the mortgage application, and given sound advice regarding insurances. I would not hesitate to use them again in the future.

Thanks again for all of your help.

Miss R Foster, Hemel Hempstead


I feel a huge weight has been lifted, I really do. I can’t thank both you and Michelle enough for all your efforts, and patience when I got grumpy and wanted to throw my toys out of the pram!

Mrs Jay, Carterton


We found the team at IMS to be extremely professional, hard working, knowledgeable and friendly. As first time buyers their advice was invaluable, ensuring we got the right mortgage deal and had access to the services we needed to complete our first house purchase. When our initial plans fell through IMS were very patient and flexible, helping us to get back on track quickly when we found a new property. We really appreciated their efficient service and would recommend Independent Mortgage Solutions to anyone looking to buy a new home.

Mr White & Miss Hales, Oxford


I would just like to say a massive ‘Thank You’. If we hadn’t come to you for help and advice we would have instantly been turned down for our first mortgage, and in the wait we would have lost the House that we wanted. But fortunately for us we did take your advice and after a few days were approved our mortgage. We move into our new house soon and it’s all thanks to you!

Thank you again for making the whole process easy and less stressful for us both.

Mr Walther & Miss Rakela, Banbury


I do not think that it is easy to find a mortgage advisor that gives you truly independent advice. Michelle is every inch the professional and has consistently and diligently provided exactly that. Her advice both in person and over the phone/via email was concise, readily available and most of all patient! She pitched every discussion at the right level so we could understand what we were doing with our current and future finances. She made it easy for us to understand our best options by listening to us and taking into account both our individual circumstances. Our financial matters seemed complicated by events at every turn but Michelle responded calmly with clear, practical and honest advice. The speed of response and action resulted in a successful outcome which we do not think could have happened without Michelle. We would have no hesitation in recommending Michelle to friends and family….in fact we already have and will continue to do so!

Mr Wesselbaum & Miss Williams, Bicester


I have used IMS when looking to remortgage my property on a number of occasions, and each time the service has been great and very professional. The process is made very clear, you are told what documents are required in advance in order to prepare everything ready for an application, and once started, receive weekly updates on how things are progressing. Will definitely be using them again in the future, and would highly recommend to others.

Mr Wilson, Bicester


Having always arranged our own mortgages we have been dubious as to the value of using a mortgage adviser, IMS and Michelle have changed our views completely. Michelle and the IMS team offer a professional, friendly and personal mortgage service that makes you feel advised, supported and guided throughout the process. They are experts in their field who work tirelessly on your behalf and you can rely on them to do a fantastic job in navigating the increasingly complex mortgage market. We have no hesitation in recommending them to friends and family alike.

Mr & Mrs Martin, Bicester


The whole process was very reassuring with everything being explained thoroughly. Michelle arranged a suitable mortgage for our needs and we were always kept up to date with its progress. It has removed a large chunk of stress moving to our next home. I would not hesitate recommending the service to friends and work colleagues.

Mr & Mrs Hastings, Bicester


IMS were thoroughly supportive and professional throughout. From initial discussions through to the final mortgage offer they provided sound advice and were flexible when my requirements changed. My mortgage offer came through quickly and fitted my needs exactly. IMS were courteous, polite and extremely communicative during the whole process. Highly recommend.

Miss Lane, Lancashire


As a first time buyer and complete novice it was good to have guidance through the whole process. I highly recommend IMS: mortgage options were clearly explained, advice given was unambiguous with excellent communication throughout the course of the purchase. Thanks to IMS I am convinced I have the best mortgage product and a house bought with less stress.

Mr Bletsoe, Didcot


As first time buyers IMS, have been invaluable to us. Not just as a source of information and assistance, but the reassurance we get knowing we are being taken care of by professionals. I will recommend IMS to family and friends.

Mr Thornycroft & Ms Campbell, Abingdon


The service I received from IMS was exceptional, I am a first Time buyer, Michelle made the process very easy and stress free with two progress updates a week, they also took time explain everything to me in detail, I will defiantly be recommending IMs

Mr Tagliaferro, Bicester


I am writing this to thank you for the diligent and professional job that you performed in assisting me and my family to obtain a mortgage. You were extremely helpful and courteous in answering our questions and providing us insight throughout the various stages of the mortgage process.

As a first time buyers we were overwhelmed of the different mortgages available and the broad Internet information. However, after our first meeting with you, I already had a clear idea of different mortgages and which is the most suitable for me. You gained my trust and I was so relieved that all you do is in my best interest. Furthermore, your services are fully committed to help clients to enjoy purchasing their dream home. You are the one to advise me on choosing solicitors.

Again, please thank your all for your professionalism and a job well done.

Milena & Alyosha Terzieva, Bicester


IMS was recommended by two friends of ours and when we both met Michelle about our first Buy to Let mortgage she made everything so clear and easy to achieve. We knew that Michelle would find us the best possible rates on the market which would cost us less in monthly payments.

Once the correct BTL product was found we found that our current fixed rate mortgage was coming to an end so Michelle carried out both Mortgage solutions for us. The team at IMS are both very welcoming, friendly and knowledgeable.

Once a week you would get regular updates on how the process is going so leaving you to be stress free from chasing banks etc yourself.

We would highly recommend IMS and a big thank-you to you both for making our dream come true

Mr & Mrs Sharpe, Middleton Cheney


We would like to thank the team for securing us the means to purchase our dream house. We experienced a service second to none and were constantly reassured, advised and updated on progress. Despite a very tight time frame, everything went very smoothly, with surprisingly little effort from us. For anyone wanting a straightforward, simple to understand and professional approach to finding a mortgage we recommend IMsM

Mr & Mrs Evans, Witney


When we were moving to the other end of the country and changing jobs at the same time, it seemed as if we would never be able to sort out a mortgage. We are so glad and grateful that we were recommended to contact Michelle. Michelle’s efficient and speedy management of our mortgage application, along with the support of her assistant, cannot be praised enough by us. Everything was managed in a thoroughly professional manner with compassion and understanding.

Mr & Mrs Griffiths, Taunton


My husband and I have used IMS twice in the last few years and have been nothing but delighted with the service provided. Michelle and the team at IMS have been friendly and helpful and although we have had a small deposit, spent some time finding the right deal for us. They really did make finding a mortgage stress free and we could not recommend them enough.

Mr & Mrs Smith, Bicester


As a busy family we decided that our time was too precious to spend it negotiating the complicated mortgage market on our own and so we asked Michelle to do the work on our behalf. She always provided us with great advice and with clear choices, some of which we would not have realised were options open to us. Her office is super efficient and friendly and we have recommended her services to a number of friends.

Mr King & Miss Edgar, Launton


Living in Scotland and buying in England could have been a potential disaster but luckily we found ‘Independent Mortgage Solutions’. From the moment we made contact, it was like a weight was lifted from our shoulders. No question was too much bother and we were constantly kept up to date with proceedings. The service offered was excellent and we would highly recommend everyone in the team. Never have we felt more welcomed and given such outstanding care and attention.

Mr & Mrs Elliott, Bicester


We stumbled across IMS following an Internet search. I guess most people probably go from recommendation for these kind of services. Anyway, needless to say we won’t hesitate in recommending Michelle. She have been really helpful, proactive and always quick to respond to queries. IMS have also offered services over and above just finding a mortgage. On their recommendation we used a local solicitors who are not only cheaper than anyone else we could find but are also equally professional and speedy. To top it off all these services are linked together so the left and right hand talk to each other – we get weekly updates on progress which tie in the mortgage and solicitors. Brilliant – definitely meant we can focus our efforts on the other elements of our house move and leave them to the legal and finance bits.

Mr Edwards & Miss Hammond, Haddenham


Having been self-employed for only one year I did not believe a mortgage would be available to me. Michelle at IMS told me otherwise, identified the right lender, guided me through a credit score clean-up and secured a mortgage for me within a couple of weeks of submitting the application. Michelle and Sarah answered my countless questions promptly and always accurately. They didn’t just take the stress out of the process, they made the whole thing possible. I can’t thank them enough.

Mr & Mrs Cross, Oxford


We both wanted to say how impressed we were with the service we received from yourself and IMS as a company. From the initial consultation right through to the final completion you have made what can be a stressful experience into a pleasant and easy one for us by carrying out your work with efficiency and professionalism. There was very little for us to do and it all went very smoothly and we are very happy with the advice and the deal you got for us. I would not hesitate to recommend you to my friends and other work colleagues. Thank you very much for you work and I’m sure we will see you again in 2 years!

Many thanks!

Mr & Mrs Lewis, Bicester


I would like to thank you both for your help, advice and patience in finding me the right mortgage, although the mortgage system is an absolute minefield to negotiate, your professional but friendly and realistic approach was a great comfort throughout the whole process, and I would highly recommend your company to anyone thinking of getting a mortgage in the future.

With the added benefit of emails and phone queries being answered almost immediately, this was a breath of fresh air.

Mr Cox, Colchester


The effort IMS put in to help me and my husband get a mortgage was outstanding. I would recommend anyone to use them. We will be using them again defiantly when our mortgage is up for review.
Thanks for all you help Michelle and Team, you have made our dreams come true of buying a house

Mr & Mrs Brooks, Aylesbury


IMS was recommend to us by a friend, the service given to us by Michelle and her team has been faultless. As first time buyers we looking for a mortgage adviser who would lead us through the process step by step and this is exactly what IMS has done. Michelle was always at the end of an email to answer any queries we had. It’s has been a pleasure using IMS and I would highly recommend them to anyone needing mortgage advice.

Mr Starrett & Miss Walkden, Bicester


Having had a couple of unpleasant experiences with mortgage advice in the past, we were not looking forward to remortgaging in the slightest! However Michelle and the service at IMS was fantastic from start to finish. From initial consultation to completion of our mortgage, Michelle ensured the whole process ran smoothly and efficiently, keeping us updated throughout. We wouldn’t hesitate to recommend IMS and will definitely return in the future!

Mr Breakspear & Miss Leaver, Bicester


I would like to say a very very big thank to Michelle and her team for helping me in gaining the mortgage to buy my property. Michelle has been exceptionally helpful, professional, informative and above all speedy throughout the whole process and has even gone above and beyond during Friday evenings going through facts with me !!

I couldn’t recommend her highly enough and the drama of mortgage decisions and applications has been a dream. I will certainly be using her services again and again

Miss Reniers, Bicester


Michelle and the IMS team are the most friendliest, knowledgeable and expert in their field. Michelle found and fixed me the best deal possible. It’s so good, I actually don’t mind paying my mortgage every month!

Mr Beck, Bicester


We are returning clients to Michelle as she managed our previous mortgage as well with great success. She is always very approachable and understands our needs to find the best deal for us based on our actual, sometimes difficult, circumstances. Her and her team’s communication throughout the process is excellent with regular updates and almost instant answers for any queries we may have. We highly recommend IMS and Michelle to anyone who is looking for a mortgage, but doesn’t know where to start.

Mr & Mrs Baschan, Bicester


I would like to thank you for being very communicative and clear in your dealings with me. You were a pleasure to deal with and in the early stages when looking for a mortgage and insurance details re: the property, you did put a lot of effort into that fact-finding mission. Once again, many thanks and I would recommend you to others.

Ms Tuite, Oxford


Despite the many problems associated with being self-employed and having never had a mortgage before IMS secured us a good deal and helped us every step of the way. Michelle and her team took the effort out of what would otherwise have been a stressful and complicated process. An excellent and highly recommendable service from start to finish.

Mr Dunbar & Miss Friend, Oxford


I have had a great experience with IMs This is the 3rd mortgage I have arranged with them and every time I have got an unbeatable friendly service with a deal to match. I would highly recommend IMS to anybody looking to get a mortgage they have been more than helpful every step of the way. Thank you very much.

Mr Dumbleton, Bicester


I would like to extend my thanks to Michelle and her team for the advice and help they have given to me. The service was excellent and I was kept up to date with the progress of my application on a regular basis, I had very little to do as the team took care of everything and I would recommend IMS to any one requiring any advice and help.

Mrs Long, Bicester


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