Dynamo Reviews 

Having arranged dozens of mortgages over the years, both personally and commercially, I can honestly say that our experience with Dynamo was extremely disappointing.

Our mortgage application dragged on for approximately three months, with repeated delays, very little proactive communication and a constant need to chase for updates.

Most concerning was the lack of proper preparation before submitting our application to the lender. Our company's shareholding structure, including the existence of two shareholders, had been disclosed from the outset. Nevertheless, this became an issue much later in the process, ultimately contributing to the application being declined.

We were subsequently offered an alternative lender, but when I contacted that lender directly, I received information that differed from what Dynamo had provided.

After months of frustration, we approached another lender and obtained mortgage approval in less than two weeks.

What disappoints me most is not simply the unsuccessful application, but the considerable amount of valuable time lost and the lack of professional case management throughout.

Based on our experience, I cannot recommend Dynamo. I sincerely hope the company reviews its procedures, particularly its initial eligibility checks, communication and accountability to clients.

A truly trustworthy team that is highly responsive, efficient, and well-organized. Their dedication and expertise consistently deliver excellent results, which is why we have chosen to work with them more than once. Special thanks to David Horn and Ina Tuazon, who pay attention to every detail, provide precise and valuable advice, and always strive for the best outcome.
We highly recommend their services and would definitely work with them again! S.H

Very disappointing experience – would not recommend

We were with Dynamo from April until August while trying to secure a suitable mortgage for our house purchase. We appreciate that our circumstances were somewhat complicated, as both myself and my partner are self-employed and had multiple income sources to consider. However, after approximately four months, they had still been unable to secure us a suitable mortgage.

Throughout the process, communication was a major issue. We were constantly having to chase for updates and, on several occasions, were asked for documents that we had already provided and that should have been on file. The lack of communication and progress became extremely stressful, particularly because our purchase was time-sensitive. We came very close to losing the property, and the house was eventually put back on the market.

We were ultimately advised that we had no other option but to go down the specialist mortgage route, which would have been significantly more expensive.

At that point, we decided to leave Dynamo and try a different broker. We were then surprised to find that our new broker identified suitable mainstream options and secured us a mortgage offer with Coventry Building Society within 8 working days.

We also subsequently learned from our new broker that some of the lenders Dynamo had previously approached were not considered appropriate for our circumstances and, in their view, were not the most suitable options for our case. This was particularly frustrating given that we had spent around four months with Dynamo and had ultimately been told that an expensive specialist mortgage was our only option.

We received our mortgage offer on 12 August, exchanged contracts two weeks later and successfully completed on 18 September.

We completely understand that self-employed applications can be more complicated and may require additional checks. Our frustration was not simply that the application took time, but the lack of communication, repeated requests for documents we had already supplied, the lender choices being pursued, and ultimately being told that a costly specialist mortgage was our only option.

Our experience with a different broker showed us that there were other suitable mainstream options available to us. Based on our experience, we would not use Dynamo again or recommend them

We want to say a big thank you to Oliver Cupris, he was absolutely fantastic. Oliver made getting our mortgage so much easier than we expected. Professional, friendly, and always on hand to answer questions. Got us a great deal and kept everything moving smoothly throughout. Would 100% recommend. I also want to say thank you to Zara, she always kept us informed.
Thank you, Oliver and Zara

Emmanuel and Stella.

There are professionals who do their job well, and then there are those who redefine what excellence looks like. Tom Mainwaring is firmly in the latter category.

We approached Tom with a challenging ask to secure not one, but twice mortgages in an exceptionally tight timeframe. What could have been a stressful, high-pressure ordeal became, thanks to Tom, a seamless and even reassuring experience.

From the very first conversation, his expertise was unmistakable. He anticipated challenges before they arose, explained every nuance with clarity, and navigated complex underwriting requirements with a confidence that instantly put us at ease. His technical knowledge is outstanding, but it is matched by something just as important
genuine care for his clients.

Tom's dedication went far beyond the expected. He responded promptly at all hours, kept us consistently updated, and left no detail unchecked. His diligence and meticulous approach meant we never felt like we were waiting in the dark. Every step was handled with precision, integrity, and a warmth that made us feel like his only clients even though we knew he was juggling a demanding workload.

It has been a genuine pleasure to work with someone so thoroughly professional, yet so human in his approach. Tom is not just a broker; he is a trusted adviser who truly delivers when it matters most.

We cannot recommend him highly enough to anyone seeking a mortgage through Dynamo. If you want peace of mind, expertise, and a partner who will go above and beyond, Tom Mainwaring is the person to call.

Thank you, Tom—for your skill, your heart, and your unwavering commitment. You have earned our deepest gratitude and our highest recommendation.

Maxe and Marisha

Very disappointing as I have used Dynamo for a number of mortgages in the past which have gone well (left multiple positive reviews) but now things seem to have changed within their company especially as I was dealing with a new advisor due to my regular one (Mike Evans who was brilliant) leaving the company. They now seem more interested in making their commission more than finding you the correct mortgage.

The mortgage they advised me on this time was not correct. As soon as I was offered the mortgage by Landbay I needed to pay Dynamo’s fee of £495 for getting me an offer even though the advisor this time tried to get me to pay it prior to the offer. This offer turned out to be completely wrong for my property. Landbay advised my solicitor that the only way they would honour the offer would be if I was to go down the very expensive legal route of having the lease changed as they were not happy with the current ground rent situation. My mortgage advisor knew what the ground rent was and the situation right from the start but still put me towards this offer which was only viable if I paid thousands of pounds to have the lease changed. I argued my case with the mortgage advisor that I should not have to pay the £495 Dynamo commission as this offer from Landbay was completely invalid. He refused to refund the fee as he said he had got me an offer! My solicitor said I would be looking at over 10k in costs to get to a stage Landbay would be happy to lend so there was absolutely no point in continuing.

Absolute waste of money and time and I will not be using Dynamo for any future remortgage or new mortgage from now on.

A big thank you to Jonathan and Leilani for making our journey very enjoyable experience as first time buyers. 😃

I've been getting mortgages with this company for 15 years. They've always been excellent. I don't know what's happened. I've had a young lad give me, terrible financial advice ( which isn't his job). If I'd have took this advice, I now be in ruins financially.
I've had two experienced brokers ghost me. On more than one occasion.
I don't enjoy complaining. I'm at a loss. They were the best and are now simply the worst.
I do not recommend any of the thousands of Property investors, that I know, to use this company.
It was better before Dynamo took over.

I was advised to go with Dynmao after my initial mortgage broker said I would require a specialist mortgage given the non standard construction.
I explained to the broker that the previous valuation had failed due to its pre 1980 BISF.

Long story short, after paying the £799 fee the specialist made a application to another lender who failed the application to the same initial reasons.

I feel they would have said anything to get that initial fee. The next offer had completely different terms and conditions and was not at all viable for me.
Very disappointed and am currently awaiting the results of the internal investigation.

Avoid like the plague. Dynamo was so incompetent that they agreed to refund all brokerage and related fees. They position themselves as specialist lenders, but did not know the difference between expat and foreign national mortgages, provided incorrect recommendations, and lacked basic understanding of immigration policy. Whether in bad faith or pure incompetence, Dynamo mis-sold a product with enough information to know I wasn't eligible, then tried to cover their tracks, but ultimately had had to reimburse me fully.

Dynamo recommended the company advise people to apply for mortgage way? Easy helpfully to get and buy many thanks for help
Constantin Adrian Gheorghe

Very disappointed with the service received. Initially, communication with Philip Rahman was good and we paid fees in good faith, including for a valuation through their recommended lender. Unfortunately, that lender later pulled out, and since then, we’ve had no meaningful response from the broker — despite repeated attempts to get in touch. We’ve been left in a stressful situation without guidance or support, and are now having to restart the process elsewhere. Would not recommend based on our experience

Dynamo have been brilliant, Phillip Rahman explained how the process works when buying a property. Myself and my partner are first time buyers and had no idea what to expect, however we took Phillips advice and ended up buying our first home. The whole buying process took less than 3 months which was very fast and smooth!

Can’t thank Phillip and Dynamo enough!

Kind regards
Anthony

I have been looked after by Rhys Summer for my portfolio remortages several occasiona and on this occasion for my first bridging loan and back to refinance. He went above and beyond to make sure that achieve my goal. I am already on my next bridging pipeline which i am looking forward to. Thank you

I had an amazing experience in the end with Ahmed. He was super professional, while still being friendly, answered all my questions, kept me abreast of the situation and when disaster struck and I didn’t get the mortgage, he reapplied for a different one for me without charging me again. Could not be happier with the service I received. I will certainly be back when I need to get another mortgage. Thank you

Purchased an Ethernet switch and fails on first power up. Note impressed with the quality of products.

I highly recommend Dynamo in particular Michael and Leilani. Professional and very helpful from beginning to end. I have already recommended to friends and family and will continue to do so!

I have used Dynamo many times over several years. I have always had very good service and they have managed to find me extremely competitive rates.
They are always well informed, even on more complex issues eg.bridging loans, loans for older people. Claire gave me excellent service and advice on such an issue.

Started off great then went downhill as soon as I left a good review. I’ve been waiting over 6 months to purchase a property through dynamo and their recommended solicitor. My mortgage offer has already expired once now second off has a higher rate which will cost me thousands in the long run. Never call back when they say they will unless it’s to get a payment from you but once payment has been made to them very slow process. Watch out and maybe look elsewhere. Leilani, Keegan and Evie all dealt with my case. Signed Mr Rowan Diedrick

Despite having a good experience with Dynamo in the past, this time it went badly, ended in an impasse and was not even given replies in good time by the broker in charge of my case. I was left in the hands of a trainee at a stressful time and was asked to pay the fee of £699 (now she says unrefundable) without signing any document by post or online. Now I have asked to have a refund of 50% given that I was not landed with an offer and am still in limbo regarding my mortgage. My complaint email has not even been addressed after days. Will not return to Dynamo and will not recommend it to my family or friends. I will now turn to consumers rights agencies to see the complaint resolved.