Had an absolutely amazing experience with Emma and Nikki. As a first time buyer they really helped navigate me through the process. They were clear, always, kind and explained next steps and answered any questions in a timely manner. They’re also just kind and personable and make the process feel much less stressful and gave great advice when any issues cropped up. I can wholeheartedly recommend them.
I honestly couldn’t recommend Emma highly enough.
As a first-time buyer, I had a lot of questions, and Emma explained everything so simply and clearly that the whole process felt far less daunting. She took the time to make sure I fully understood my options and never made me feel silly for asking anything.
Emma was incredibly friendly and approachable - I could message her on WhatsApp whenever I needed, and she was always quick to respond and happy to help. That level of support made such a difference and really put me at ease throughout.
She made what could have been a stressful experience feel smooth and well managed, and I always felt supported from start to finish. I’ve already recommended Emma to all my family and friends, and I wouldn’t hesitate to use her again in the future.
I had a fantastic experience with Aaron and Koto Financial Services for my first property purchase. Aaron was extremely professional throughout the entire process, consistently going above and beyond to ensure everything went smoothly. Despite the challenges from third parties, Aaron remained dedicated and proactive, providing excellent support and guidance. I highly recommend their services and would definitely use them again in the future.
Emma from Koto Financial services was so helpful in the process of getting our first home. From the very start she was clear with communication and made sure we felt at ease particularly in the areas that we didn’t understand and was very new to us. We highly recommend using Emma and the Koto financial team for Financial advice and particularly if you are in the process of getting your first home.
Emma is literally a magician. She calmly navigated us through the processes, dealing with unforeseen issues and steered us clear of adverse lenders. Even now that the process is complete we get regularly advice from her. Will recommend theirs services every time as the go to option
As a time poor individual with zero knowledge of how to find the best mortgage product for me (having embarked on purchasing property for the first time in my life) I needed a broker who would make the process of finding and choosing a mortgage as smooth as possible. For me that person was Emma at Koto. Emma expertly guided me through the journey of securing a mortgage offer. No questions that I asked were seen as stupid. Emma ensured that I fully understood what I was committing too. She recommended a solicitor, who I decided to use for my house purchase, as well as insurance policies. If you are looking for a knowledgeable, dedicated mortgage broker, who will not treat you as a number, I recommend Emma and the great team at Koto.
Thank you team Koto, especially Tracey, who guided us through whole mortgage process and helped us with everything we needed to buy our first home. We would absolutely recommend their services!
Have had the absolute best experience with Koto. Emma has been a wonder to work with, always answering any of my queries and making what can be a stressful process so much more bearable.
Thank you Melanie for such a lovely review for Emma. We look forward to working with you in the future.
Lauren Thackeray2025.10.29
Our experience with Aaron was exceptional from beginning to end - we honestly couldn’t recommend him highly enough. We were recommended to him by some friends, and now we completely understand why they spoke so highly of him!
The whole journey was complicated and stressful, never easy and I’m sure Aaron will agree we had to overcome many hurdles along the way. Despite this, he went above and beyond at every stage, always ready to help in any way possible and make the process more manageable.
Communication was effortless, Aaron was always available by phone call or WhatsApp, patiently listening to our many worries & rants and guiding us through each challenge. Thanks to his expertise and dedication, we were able to move into our new home before the new stamp duty changes came into effect at the end of March.
I think he was secretly relieved to see the back of us 😄, but we’re genuinely so grateful for everything he did! We’ve already recommended Aaron to all our family and friends and one has even completed their mortgage with him recently. If you want someone who truly cares and delivers outstanding results, Aaron is the person you need.
Thank you Lauren for such a great review for Aaron. he will be so pleased. We look forward to working with you in the future and hopefully your friends and family. :)
Colm Connolly2025.10.29
Emma was amazing in advising and helping us through every stage of the mortgage process. She went above and beyond even when we had our set backs. Thanks to the whole Koto team we had the best experience and got our dream home. We would highly recommend.
Thank you Colm for such a lovely review for Emma and the Team. We look forward to working with you in the future.
B2025.10.29
Great experience overall – Emma helped us secure a solid rate, kept us updated, and made the process smooth and straightforward. Would happily recommend. Best mortgage advisers in St Albans.
Hi Thank you so much for the lovely review for Emma it is very much appreciated. Please do send us a quick email or let Emma know by text, so we know who you are.
Luke Turner2025.10.21
Emma at KOTO has been fantastic, effortlessly helping with remortgaging
Every question answered promptly helps anyway she can
Highly recommend
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