From our very first discussions Steve listened to our requirements and our long-term goals and he provided us with a comprehensive plan of action for the type of mortgage that he thought would meet our needs. He was spot on! Throughout the process he communicated with us regularly, discussed and updated us throughout the whole process and gave us a level of service over and above our expectations. Steve is an extremely knowledgeable and professional financial adviser. He keeps himself up to date with the market and any new financial products that become available. We would have absolutely no hesitation in using and recommending Steve in the future.