Being an SME and catering for a niche market we found it very difficult to make any progress in securing capital from the pillar banks, with the help of our Accountant & Solicitor we negotiated a settlement with which was exiting the Irish Market. We then engaged First Choice Financial Services DAC who packaged our Enterprise & Business plan and on the back of the refusals from the pillar banks they referred our details to the Credit Review Office who in turn restructured our package to the banking sector.
We have now received our capital loan at a fair interest rate and time frame that suits our farm and business.
I could be writing all day if I was to start to explain how fantastic Fergus was to deal with. From the very start he was amazing when applying for the mortgage and explained everything so well. Unfortunately we had a massive problem with our solicitor and if it wasn't for Fergus who went above and beyond his job description we would never have been able to sign contracts. He was contactable all day long and even at nighttime we could email him and he would respond straightaway. As we all know buying a house is one of the most stressful things to do in life and I will be forever grateful to Fergus for the amount of extra time and effort, which he didnt need to do,that he put into helping us to get sorted and ultimately for the end result of getting our house. I would recommend him to anyone and I will be without a shadow of a doubt going back to him to review my mortgage.
We went to first choice August 09 to apply for a mortgage. From the moment we stepped in the door we felt extremely well looked after and everything was relatively stress free. Deirdre was looking after us and was just a pleasure to deal with in every way she is just super efficient and meticulous in her work. Even in this extremely stressful time in our lives we couldn't fault First Choice. We were very happy with the service offered and would highly recommend them to anybody
I would like to sincerely thank First Choice for all their help in supporting me get finance. The bank would never have listened to my story and just wore me out trying to receive funding. I can say it was impossible, no matter what I tried. Without your support, I would definitely not be employed at all never mind being an employer of 5/6 people and secondly my family would definitely be on social welfare.
Not many people know about the services of the First Choice Financial Services DAC and my two cases of trying to receive funding fell on deaf ears and I tried my best with all banking establishments. Thank you First Choice Financial Services Ltd. Paul Kerr’s advice to me when I was destitute and burnt out trying that I was to KEEP THE FAITH. I'm so glad I met Paul Kerr and First Choice Financial Services DAC. I shudder to think where I would be today without their persistence.
“We had mortgage approval from our own bank so needed to be convinced to use a broker – we are so happy we chose First Choice as ours! After researching the market they delivered a lower interest rate, more suitable mortgage product (they deal with all banks) and helped and assisted us every step of the way. They also secured us better / cheaper mortgage protection insurance (they deal with all insurance companies also) and ensured our house was bought without a hitch. Our mortgage advisor was fantastic and Amy was very helpful and knowledgeable on the insurance. We would have no hesitation in recommending First Choice, and we are delighted we chose them, as they saved us time and money and guided us through the purchase of our new home” – Paul & Caroline Christie; Dublin.
Applied for a mortgage with Fergus, he was so helpful throughout the whole process. Any questions we had were always answered straight away, he made the application feel much easier and really gave us the best advice we could hope for. We would definitely recommend Fergus and first choice to anyone with mortgage enquiries.
An unexpected phone call from First Choice led to Deirdre saving me money on my mortgage insurance cover. Further savings were made on other policies and Barry reorganised my pension funds to give me a higher expected return from a safer risk portfolio. Both Deirdre and Barry have been exemplary in their professional approach to handling my affairs and I would recommend them to anyone.
Thank you very much for helping us reach a good arrangement with the bank. It was pleasure to work through the process with you, and now thankfully after almost 2 years it is behind us
Having recently arrived at a satisfactory outcome with a Financial institution, we can say that best decision we made throughout the quite lengthy process was engaging First Choice Financial Services. Every aspect of their service delivery was first class, their knowledge, professionalism, ability to communicate in plain English & of course value for money. If needed we would definitely engage First Choice again & would strongly recommend them. Finally it is refreshing to work with someone who truly understands the concept of service, both Paul & Jim were always available at the other end of the phone & responded to queries in a very timely manner.
Click here for a thank you card received from Joan in Limerick
I can only say my experience of First Choice dealing with my affairs has been nothing short of remarkable. Many thanks for everything! And Amy's great too!
The First Choice Team were a great help to me – I had been dealing with my bank to try and resolve my investment debts myself and believed I had an agreement to finalise the matter. The bank reneged on their agreement and I was left in limbo. The bank would not consent to any position or even acknowledge there was an agreement, the matter was dragging out for years and was extremely stressful.
First Choice was able to take my information and put a detailed argument together using their experience of the regulations and processes of the bank. By professionally formulating a complaint, they managed to secure my original agreement which I was extremely happy with along with additional compensation recommended by the Financial Services Ombudsman. I can now put the matter behind me and move on. First Choice was extremely professional and a great support through a stressful process.S Limerick
I first met Paul Kerr a year ago when I was looking at my second location for my restaurant. He was there on site to give me much-needed knowledge and guidance in regards to branching out at new locations. Through Paul and First Choice I was able to make strong business decisions regarding the future of my business. Recently I found myself in limbo and frustratingly my credit application with my own bank to completely refurbish my business had been ongoing for a couple of months. At this time I engaged with Paul. Paul had guaranteed me he would get answers within 15 working days – he did! I found Paul and First Choice were knowledgeable, fast, efficient and diligent in getting me my positive outcome. I would not hesitate at any moment to recommend Paul his team and First Choice for any financial and business advice. I will most definitely be using his services in the near future Thanks Randy Lewis
My mortgage was for a self build, with stage payments, which can be difficult to arrange. The friendly staff in First Choice made the whole process painless, from start to finish and I could not recommend them highly enough!
Barry and the team at First Choice have gone far above and beyond to secure the best possible deals for us on a range of products from life cover, PRSA and income protection policies to Pensions. They have done this while having to overcome some very unhelpful and disruptive banks and former providers. You are their priority.
I applied for a mortgage with Fergus and I was very happy with the service. He helped make the process much easier for me as I had struggled dealing with the banks directly myself due to my occupation. He had the understanding on how to structure my application and simplify the process and arrange the mortgage approval I needed.
My husband and I needed Life insurance to take care of our family in case the worst happens. Barry was so helpful and he got me excellent cover at a competitive price. I will happily recommend First Choice.
I would like to take this opportunity to thank Paul and the team for the work and effort you put into my financial situation.
It was a pleasure working with your company despite the circumstances you always showed empathy and that was very much appreciated. Lastly just to wish you continued success and all the best for the future.
Click here for a letter received from Carambola Ltd
My wife and I received a complete pension, life assurance and income protection overhaul and we were able to contact the individual dealing with our policies very easily. First choice went to extraordinary lengths to ensure we were adequately insured and that we understood the purpose and extent of each policy.
On applying for a loan, the team in first choice left no stone unturned to ensure we had the best available deal the market had to offer. I found the team to be totally professional from first to last and would highly recommend them for any of the financial services they offer
Had the pleasure of dealing with Fergus applying for my mortgage would highly recommend this company any questions I had were answered immediately
Barry completed a pension audit for me. Not only did he secure a vastly reduced charging structure, he matched the fund choice to my risk profile, perfectly
Excellent mortgage and pension advice with service that's second to none. We applied for a mortgage switch with Fergus recently and couldn't recommend Fergus and all the staff at First Choice highly enough.
Barry, just a quick note to say a huge thank you for your help, advice and generosity of time spent with me in making my financial planning much less a daunting task having checked out your contemporaries in this field prior to approaching your company and receiving conflicting answers and suggestions regarding forward planning.
I would like to congratulate you and your associates in the manner and expediency in assisting me make the choices appropriate to my needs. I am delighted with the professionalism and non-intrusiveness of both yourself and colleagues and have no hesitation in recommending, with confidence, First Choice Financial Services DAC to my friends and colleagues.
Barry in First Choice did a review of my life insurance and got me better cover at close to 50% of the cost – a fantastic result!
Barry couldn't have been a greater help. He reviewed our life cover and he not only increased our cover, but he also had a convertible option included all while saving us money. We were delighted with the efficient service received
When you make the big step in life of getting a mortgage you couldn’t wish for anyone better than First Choice to be at your side. Its not about filling out a few forms with First Choice its about a smile, a helping hand, a confidence that you are in the hands of professionals. They will always be my first choice!
Paul quickly assessed my banking position and provided clear direction and assistance on how to bring matters forward with the banks. Through his experience he was able to lift the uncertainty, which gave me great confidence. Now I am looking forward, not backward. Best money I ever spent!