Fluent Money - www.fluentmoney.co.uk

Avoid this company. They do not communicate with you or have your best interest at heart. At first, they will give you what seems to be a good option and then change later for something completely different where you will pay more for the same deal.

The fee for the service they provide is over £3,000 and change. It is not worth the money.

The team set me up for equity release with a lender, who I have subsequently have a reputation for refusing anything other than very standard properties.. apparently they have been known to refuse houses with a bus stop outside. I live half a mile down an unmade road.. heaven for me and discerning buyers. But not this lender who refused the loan, having gone to extreme lengths to meet their requirements. This lender is apparently also have the worst valuation team known to South Wales. I have just found this out talking to another broker who knew instantly what the problems would be in this case. So the fluent life team is clearly clueless about matching lender to the property. Now I have missed any chance of releasing the funds I needed to keep my home. Beyond words. AVOID. I would have like to have known that they had lost access to the whole of the market they claimed when I first approached them. That they don't have the specialist knowledge of the Equity release market they had claimed and they don't even get the conversations with the lenders up front that could have save all of this.

My mortgage advisor was excellent in arranging my remortgage from start to finish, very helpful and was easy using the app. Highly recommended. Thanks 

Waste if time and don't respond when you ask them questions - please use another broker

So within the space of a week the rate they could secure for me changed 3 times, always in an upward trajectory. In monetary terms the increase was £35 per month which is not long in adding up. It felt like they were increasing the speed on a roller coaster which was difficult to get off ——- secure this deal, rates are rocketing, get paperwork back today ..and then oh sorry that deal’s gone …. Rinse and Repeat! I get the market is challenging but I got a more competitive deal myself with a lot less stress attached. Sorry I wouldn’t recommend at all

These are just paper pushers, they have no say and consequently you continue back and forth, you hand over the requested paper work on behalf of the real lenders underwriter by fluent then it takes 3 days for them to decide just to find out that it’s still not sufficient enough, which then adds up to a very lengthy process. it’s like they make it up as they go along. There is no parameters you really don’t know and they change the goalposts… This company is a ultimately a joke.

Hi we went through the whole process and explained the circumstances we was told yes would be eligible explained everything went through the checks back in for advice on holiday et cetera wasted 10 to 12 weeks send paperwork even contacted one holiday documents back and forth constantly fan to be told last minute no I don’t want to criteria when this was all done in the beginning on the affordability checks surely he thought ability checks in the early stages but not this companyWaste of time headache crazy stress please stay away in this you want to be taken for a ride in my opinion the person I dealt with is so unprofessional I have job

We applied for a loan with Fluent money and it was a complete disaster that ended up with us not getting a loan and the experience hugely impacted on our time as well as our mental health. After going through all of the obvious questions with the advisor (which took about an hour) we assumed we had answered everything and would wait to hear. We then had to go through the same again with a different advisor, who appeared to have no details that we had previously given. We were then asked to submit various documents but received endless messages saying they were not clear, even after we had double checked them. We then went on holiday but received phonecalls and messages constantly bombarding us throughout our holiday, asking us when we would submit documents that we had already submitted. We were then changed advisors who again seemed not to have a clue about anything we had submitted and were bombarded with further requests for questions that we had already answered and when we got tired of answering and decided to leave it, the messages and calls continued every day. We were eventually so fed up that we sent an email, a text message, contacted them on the app to say that we no longer required the loan and to leave us alone. When an advisor called for feedback, we told him that the company was now impacting on our mental health as we were being hounded and felt we had completely wasted our time. Not only a waste of time but really stressful too! I wouldn't bother even attempting to use this company.

Got advice for a second charge mortgage, agreement in principle, ...they should have known from the start it wasn't going to happen as I didn't have a long enough history to get consent from 1st charge. How do you justify 10 % fee if I have to teach you about your market???

They also sent my passport back by regular 1st class, not even signed for or tracked..bit of a leap of faith for royal mail reliability!

Applied through Money Supermarket for a £30,000 loan and they wanted to charge me a £3,000 fee!!!

They rang me 23 times and left 13 messages. This is harassment!

Don't go near this bunch - and don't give them your phone number!