IMS Independent Mortgages, Estate & Lettings Solutions Oxford Limited - Oxford

Ian C.

Michelle and her team have been fantastic. We had been told by a major lender that they couldn’t offer us the deal that we needed to buy the home we wanted - but then Michelle was somehow able to persuade them otherwise! She clearly has a lot of expertise and is great to deal with - she has always explained the proposed mortgage terms fairly and evenhandedly and in a way that a layperson like me could understand. I felt able from the outset to trust the advice she provided. She is not only extremely responsive to requests and questions but also very proactive. I would highly recommend.

Donna F.

We have been clients of IMS for over 12 years. Michelle was instrumental in helping us secure our first mortgage for a share in our shared ownership house locally. She was incredibly helpful back then, and over the years, she has always responded to my random emails about mortgage or property ideas with valuable advice.

Just last week, Michelle and her team once again assisted us in securing a new mortgage, allowing us to staircase out and achieve 100% ownership of our beloved house. Michelle and her team consistently communicate well, provide sound advice, and are prompt when needed. We can't thank her enough for her support and genuine happiness for all our milestones.

Michelle has built an incredible business but has never forgotten her roots. She is still the same enthusiastic, professional, and non-judgmental Michelle we met 12 years ago. We highly recommend Michelle and the team for all your property solutions their knowledge is first class.

Thanks again Donna & Jake

Natalie B.

Michelle and her team have been absolutely incredible throughout the whole process of buying a house. They have given us thorough advice and have been super responsive at every single step! We were given all of the options available within a couple of days and advice on what deal would suit us and our finances. They have arranged all of the insurances and explained in detail which options would be financially viable for us. I cannot recommend Michelle and her incredible team enough, they really have gone above and beyond my expectations whilst being friendly, approachable and informative at every step. I will be recommending them to my friends and family and using their services to break into the buy to let market, it’s nice to find someone who makes you feel secure in this industry! Thank you Michelle and team you really are 5*!

Lucy P.

I can highly recommend Michelle at IMS Mortgages. She's been my broker since I became a home owner in 2012 and has secured me the best rates available, even managing to lower my new mortgage rate by nearly 10% just before the offer deadline. Using Michelle as a broker has taken the hassle out of remortgaging.

Katie H.

Michelle was incredibly helpful in providing us mortgage services for our first home. Both myself & my partner being self employed meant that there were a few more hurdles but Michelle guided and supported us through all of it and the team were fantastic at getting our mortgage offer through in record timing. We would definitely use Michelle and the team again. Thank you!

Chris S.

I had the pleasure of working with Michelle during the process of securing our mortgage, and would highly recommend. From the beginning, Michelle demonstrated deep industry knowledge, professionalism, and was happy to talk through our current situation and future plans to help us find the best options.

What stood out the most was her willingness to share experiences to help simplify a complex process. Michelle patiently walked us through each step, clearly explaining all our options and making sure we felt comfortable and informed throughout. She was always available to answer our questions and went above and beyond to ensure that everything was handled efficiently and on time.

Vikki M.

Michelle Niziol and her company IMS Independent Mortgages, Estates and Lettings are nothing short of fantastic. I used Michelle and her company back in 2017 when I bought my very first home, and they held my hand confidently throughout the whole process which was somewhat daunting for me back then as a first time buyer. Fast forward to 2024 and I had no hesitation in recommending them to my partner for us both to use when buying our forever home together. Again, they have been nothing short of amazing, their knowledge of the market, friendliness and above all else their efficiency, is nothing short of outstanding. I could not recommend Michelle and her team enough. What a fantastic company. Thank you from the bottom of my heart for everything you guys are magic.

Gracie F.

I rarely leave reviews, but want to give a shout out to the Lettings team at IMS. We have rented through them for two years and have had the best experience. Everyone we have dealt with has been excellent, they are friendly and always so helpful. From when we first applied right through to moving out, the service has been first class.