Initially, we wanted to arrange our first mortgage directly with bank, but after couple of meetings with bank advisers we realized that we are only numbers for the banks and nobody want to understand your situation. The style of work of Richardo was absolutely different. He always tried to arrange the best time for meetings, was very friendly and patient. We could call him almost any time. Sometimes, Richardo answered on my sms and email till the late night just because I had extra questions. Our family would like to thank Expat Mortgages team.