​I was pointed in Rays direction by a friend for mortgage advice when my partner and I were buying our first property, we had no clue on where to start. Ray and Leonie could not have been more helpful, with their knowledge and expertise the whole process was a breeze. As mentioned in some of the other reviews, Ray will go above and beyond to get the best result, they both kept us updated throughout and were very informative. I would most definitely use Ray again and will absolutely recommend them. Thank you both very much. Carly and Phil.