0330 038 8939
Based in Southend-on-Sea
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: February, 2021
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Michael is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Michael's status
Last checked: 19 March 2025
12
Recent Client Reviews
Michael has received 12 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Independent Mortgage Adviser
Michael can advise across a wide range of mortgage products in the market. It is important to ask if Michael checks lenders’ direct-only deals.
Last checked: 14 January 2025
6
Qualifications Uploaded
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
6 qualification certificates available to view
Transparent Fees
Michael has not yet added their fees to their profile
Fees not yet added
10
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 10 first impressions)
100% of users who are not yet clients had a positive first experience with Michael
Checks carried out by VouchedFor
FCA status: Certified by Firm
Michael is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Michael's status
Last checked: 19 March 2025
12
Recent Client Reviews
Michael has received 12 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Independent Mortgage Adviser
Michael can advise across a wide range of mortgage products in the market. It is important to ask if Michael checks lenders’ direct-only deals.
Last checked: 14 January 2025
6
Qualifications Uploaded
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
6 qualification certificates available to view
Transparent Fees
Michael has not yet added their fees to their profile
Fees not yet added
10
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 10 first impressions)
100% of users who are not yet clients had a positive first experience with Michael
I have been a mortgage and protection adviser since 2003 having previously worked in investment banking in the City of London and also in financial education with the Institute of Financial Services. My particular areas of interest are mortgages, personal and business protection and general insurance. I received my Fellowship of the Chartered Institute of Bankers in 2005, and completed my diploma in advanced mortgage advice in 2017. My client base is very diverse ranging from young professionals just starting their financial planning journey to much older clients completing theirs. I work very closely with accountants, solicitors and independent financial advisers to help their clients realise their financial goals. It is an amazing privilege and responsibility to be a trusted adviser to so many clients, many of whom I'm now proud to call my friends. I believe the key to being a good adviser is to treat every client as an individual, and to respond to their needs in the most professional way possible. That means always answering their calls quickly, and delivering exactly what I promise, on time, every time. The ability to listen and connect with people is also very important. My spare time tends to revolve around my family and our two Westie terriers who we spoil terribly. I recognise how fortunate I am and try to give something back to my industry by passing on my experience and knowledge to new advisers and young people who want to join this amazing industry.
Offers available through VouchedFor
Contact Michael through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Michael's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
Clients' level of financial expertise
This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.
Review
by a verified client in Essex
a month ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I needed someone to help me remortgage.
How has Michael Nicholls helped you?
Micheal explored lots of options for me. He was always available on the phone and very reassuring and professional
Have you seen the outcome you were hoping for?
Yes
Review
by a verified client in London
a month ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Buying my first housr
How has Michael Nicholls helped you?
He helped me a lot with everything needed as it was my first time getting a mortgage. He made it look smooth all the process .
Have you seen the outcome you were hoping for?
Yes he did his best getting exatly what i needed.
What could they have done better?
He did the best i don’t think anything could be better .
Review
by a verified client in London
2 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Increasing mortgage
How has Michael Nicholls helped you?
Increasing mortgage
Have you seen the outcome you were hoping for?
Yes
Review
by a verified client in Essex
2 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
I was a first time buyer seeking advice and assistance in getting a mortgage.
How has Michael Nicholls helped you?
He has been the one to apply for my mortgage which is now approved and in place! And he recommended other services to me that are assisting me with my move.
Have you seen the outcome you were hoping for?
Absolutely, I am over the moon with the service provided and mortgage in place.
Review
by a verified client in East Sussex
4 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Recommended by accountant
How has Michael Nicholls helped you?
As self employed it is sometimes difficult to obtain lending at reasonable rates, Michael helped navigate this process
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
No
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