Ray is outstanding at what he does. As a first-time buyer it was extremely helpful to have someone I could trust to provide helpful and accurate advice about the mortgage process. He explained things clearly and was flexible with times to discuss the process around my working hours. I felt confident that he had found me the best rate and offer to suit my needs and he regularly rechecked for better options during the process. I would highly recommend Ray to anyone looking for a mortgage broker, I cannot fault his service.