The worst customer service I have received in the last 10 years of dealing with financial institutions. I accept that there will always be challenges when taking out a mortgage. What has made my experience so bad is the total lack of communication from the mortgage arranger. For a customer to be waiting for a callback and to then be told the following day when phoning yet again that the person has gone off on a course for the week is totally unacceptable. I was constantly waiting for calls to be returned and never once received an apology. If I hadn't already paid for this so called service I would have stopped the process within the first week due to the total lack of communication and poor resolutions.