When The Bank Says No Reviews 428

TrustScore 5 out of 5

4.9

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, professionalism, and dedication, often noting their willingness to go above and beyond. The service is frequently described as exceptional, with many people appreciating the clear communication, quick responses, and overall efficiency that made complex processes feel stress-free. Consumers felt well-supported and informed throughout their interactions. The user experience is highlighted as smooth and easy, with many reviewers expressing gratitude for the team's ability to secure positive outcomes even in challenging situations. The promptness of responses and updates is a recurring positive theme, contributing to a sense of being in safe hands.

What people talk about most

Staff

Clients share positive opinions on staff. Many reviewers praise the team's helpfulness, efficiency, and... See more

Service

Customers consistently note positive experiences with service, highlighting its efficiency, professionalism,... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting that agents are helpful, supportive,... See more

User experience

Customers consistently report positive experiences with the user experience. Many highlight the ease of use... See more

Response time

Consumers find response times to be positive. Many reviewers highlight the promptness and efficiency of the... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Very happy with all the support received. Clearly communicated from the start how service will be provided. No advance payments demanded or hidden with surprises at the end of the process! Dedicated s... See more

Rated 5 out of 5 stars

We found Naheela and Gus to be very helpful throughout this process and they worked very hard to get it all through as the lender was very thorough in what they wanted and the guys did their best to s... See more

Rated 5 out of 5 stars

Well I was about to give up on a property I bought at auction when the finance fell through on the last minute but Naheela & Gus was determined to get me a mortgage worked none stop back and forward... See more

Rated 5 out of 5 stars

We’ve had an exceptional experience with When The Bank Says No. Every team member has shown the highest level of professionalism, efficiency, and a genuine commitment to going above and beyond. Their... See more


Company details

  1. Mortgage Broker
  2. Financial Consultant
  3. Insurance Broker

Written by the company

When the Bank Says No is team of professional mortgage and insurance brokers, dedicated to helping our clients achieve the finance they need to buy their home. Founded by our parent company Alder Rose Mortgage Services Ltd, we were born out of a desire to support people – no matter the complexity of their situation. Instead of sending more challenging cases to other brokers where we had no control over their experience, we wanted to be there for everyone – every time. Our mission? We’ve heard them all before, so let’s just tell you why we’re here and what we do well. Straight-up; no gloss, hype, or marketing lingo. We find mortgages for our customers, and give them the right advice first time. “When the bank says no – we say Yes“ People get rejected by lenders every day – that doesn’t mean you’re a bad person, though it can sometimes make you feel that way. Confused by free online services that can’t cope with real life situations, and stressed by the months you’ve wasted waiting, it can feel like there’s no one there to help. But we’re here to clear things up, and explain what solutions are out there.


Contact info

4.9

Excellent

TrustScore 5 out of 5

428 reviews

5-star
4-star
3-star
2-star
1-star

Hasn’t replied to negative reviews

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

I couldn’t have done it without them

It’s been such a long process, but Rachel and Richard never gave up. Rachel was always on top of things, keeping me updated and making sure everything moved forward, while Richard worked tirelessly to find the right mortgage for me. Thanks to their persistence and dedication, they managed to get me a mortgage despite all the challenges. I can’t thank them enough for their support and hard work! I really didn’t think I was going to get a mortgage. But thank you Richard and Rachel because without them it wouldn’t have been possible. I went elsewhere and no one could help me.
Honestly I recommend when the bank says no to anyone looking for a mortgage. The app is so easy and convenient to use.
I can’t say thank you enough. I really appreciate your help Rachel and Richard.

February 10, 2026
Unprompted review
Advertisement
Rated 5 out of 5 stars

Never having had a mortgage before it…

Never having had a mortgage before it was very daunting, plus it was during probate but Richard walked me through it step by step and I've got a mortgage now so nearly there. Rachel, Sam infact the whole team have been so friendly, patient and efficient I cant thank them enough, I got to keep my parents home after losing them both in a short time which is priceless in more ways than one!! Would recommend them to anyone, great service.

February 9, 2026
Unprompted review
Rated 5 out of 5 stars

From first contact to completion we…

From first contact to completion we felt that Bilal explained the whole process completely and in detail,he offered several options and explained why each was good for us or not so.one thing that stood out for us was his ability to totally understand our situation and then guide us through our options in a respectful and professional manner. I highly recommend them and the solicitors he recommended.The whole team was wonderful thank you 🙏

February 4, 2026
Unprompted review
Rated 5 out of 5 stars

Rachel and Richard were really helpful

Rachel and Richard were really helpful getting my mortgage sorted. I cannot thank enough WTBSN for making my dream of owning a property come true. I definitely recommend using them for all your lending needs

February 5, 2026
Unprompted review
Advertisement
Rated 5 out of 5 stars

Reliable Service and Smooth Closing: Creating a Stress-Free Home-Buying Experience.

We’ve had an exceptional experience with When The Bank Says No. Every team member has shown the highest level of professionalism, efficiency, and a genuine commitment to going above and beyond. Their support and dedication ensured a smooth and stress-free process, allowing us to complete everything and receive the keys to our new home. We are truly grateful to the entire team. Thank you, When The Bank Says No!

May 23, 2025
Unprompted review
Rated 1 out of 5 stars

Disappointed

Disappointed, waited a year after receiving an AIP from them of 7 percent and requiring a 14 % deposit, credit hugely improved and earnings went up by 10k only for them to get me a terrible deal of requiring over a 20% deposit and 6.8% interest, literally worse than last year. Had far more reasonable offers come back through from other potential brokers, can’t understand what they’ve possibly put forwards to the lender to get such an abysmal quote back.

February 2, 2026
Unprompted review
Rated 5 out of 5 stars

I wanted to send a huge thank you for…

Dear (Richard Ganapathee)I wanted to send a huge thank you for all your hard work in securing my mortgage. I’m nearly there!
Your expertise and guidance made a daunting process feel smooth and manageable. I truly appreciate you going above and beyond to get me a great deal.
I will definitely be recommending your services to my friends and family!
Best regards.
(Mehari Robel)

January 30, 2026
Unprompted review
Advertisement
Rated 5 out of 5 stars

More than helpful

From my initial contact, Mark was more than helpful at every step, from application to completion Would recommend this company

January 16, 2026
Unprompted review
Advertisement
Rated 5 out of 5 stars

Great service

Great service, unbelieveable prompt and effcient. Very friendly and informative. Nilha, Gus and Asheligh all amazing

January 28, 2026
Unprompted review
Rated 5 out of 5 stars

Mark Brazier has been excellent

Mark Brazier has been excellent! I highly recommend using him! He got the mortgage for me! Made a dream into reality! Thanks so much! Excellent service, professional, efficient and honest!

January 27, 2026
Unprompted review
Rated 5 out of 5 stars

When my bank did say no hsbc I rang…

When my bank did say no hsbc I rang when the bank says no and Ashley and his team made buying my first home possible , even though the first one fell through due to leased roof space solar panels , they were very quick and when I found this property , was very smooth and completed in six weeks , very impressive and communication is second to none , kept me updated every step of the way , five star service from beginning to end . What an a amazing company and team

January 23, 2026
Unprompted review
Advertisement
Rated 5 out of 5 stars

Excellent service

After struggling with high street lenders, WSBN helped me get multiple mortgage offers. The service was excellent, Mark was helpful and provided much needed guidance throughout the process.

December 10, 2025
Unprompted review
Rated 5 out of 5 stars

A great and simple service

So easy to deal with always there to answer any question you Ashley dealt with us firstly and got everything in place and Rachel was the one who got us over the finish line with our mortgage.Sam was the one who sorted out insurances and made it a simple process.

January 21, 2026
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look