09/10/2026
42 ⭐⭐⭐⭐⭐ Google reviews in September
This one is the pick of the lot ⏬
We cannot recommend Luke and the Firstxtra team highly enough.
Our case was not straightforward: it was a more complex purchase, involving more parties, more steps and more coordination than a standard mortgage. There were also some specific eligibility considerations in our application that reduced the pool of lenders, so having someone who understood the nuances made a real difference. We had already been working with another broker through the initial assessment process, but after issues arose, we reached out to Luke for guidance.
What stood out immediately was his professionalism and integrity. Despite knowing we already had a broker in place, Luke offered clear, honest advice without any pressure or attempt to “win” our business. That first interaction told us everything we needed to know about his approach — client-first, not sales-first.
Once we formally moved our case to Firstxtra, the difference between our previous broker and Luke was night and day. Luke was exceptionally responsive, knowledgeable and proactive throughout. He explained lender criteria clearly, anticipated potential issues before they surfaced, and guided us through each stage with structure and confidence. Even when the process became more complex, he remained calm, solutions focused and consistently ahead of the curve, from identifying the most suitable lender for our circumstances to anticipating their requirements throughout the application.
Communication was outstanding from start to finish. We never had to chase for updates — Luke kept us informed at every step, and his explanations were always detailed and genuinely helpful. Even after the mortgage offer was issued, he stayed actively involved, monitoring rate movements right up to exchange and ultimately securing us a revised offer at a better rate. That level of commitment is rare and made a meaningful difference to our outcome.
A special mention also to Tizzy and the wider Firstxtra team, whose behind-the-scenes coordination was excellent. Every document request, follow-up and update was handled quickly and professionally.
Buying a home can be stressful, but Luke made the mortgage side of the process feel structured, predictable and well-managed. Given the complexity of our situation, we couldn’t have asked for better support. We would recommend Firstxtra without hesitation to friends, family and colleagues.
Thank you so much, Luke and team.
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