Expert mortgage advice with whole of market access,
tailored to your individual circumstances

At Baxter Financial Services we aim to give every one of our clients the best service possible - combining modern technology with a very personal touch

Call us old fashioned, but we don’t like dealing with robots and expect you feel the same - so there’s nothing like dealing with someone who you can build a good relationship with based on trust, who will want to look after your best interests.

We have invested heavily in technology to help make the application process as seamless as possible and to help save you time and stress, but without removing the personal element of actually dealing with someone.

We have access to the latest offers & rates from national lenders:

No time wasting

We know your time is precious.  Speak to us to arrange for a swift and efficient mortgage process with no waffle.  Spend your time on things you enjoy and we'll do the rest.

Exceedingly good service

Nothing delights us more than a super-happy client who's got exactly what they wanted.  We'll go above and beyond to ensure the process is a pleasure throughout.

Peace of mind!

Buying a property is not without its stress, we've been there.  Consider us to be by your side throughout the process, doing everything possible to help.

what can we help you with today?

MORTGAGES

We’ll oversee your mortgage application from beginning to end and will keep you updated throughout the process.

If you’re considering a remortgage or are a first-time buyer, moving home or looking at a buy-to-let mortgage, it doesn’t have to be complicated – let us do the hard work for you.

PROTECTION

Owning a house usually means you need to deal with insurance. We can help you get all the cover you need.

We can take you through which insurance you might need, how much cover is necessary, answer any questions you have, and guide you through the whole process.

OUR REVIEWS SPEAK FOR THEMSELVES

Nathan was absolutely amazing throughout the whole buying process, giving great advise regarding my mortgage options, and helping guide me all the way through to completion. I would definitely recommend Nathan to anybody looking to buy a property.
James Sutherland
James Sutherland
19:09 08 Jul 24
A great advisor. Nathan is a very knowledgeable and friendly advisor. He is easy to talk to and provides real advise that is solely aimed at achieving what you are try to achieve. I would, and have, highly recommended Baxter Financial Services.
Oliver Notley
Oliver Notley
15:01 20 Jun 24
Amazing guy and extremely knowledgeable didn’t out a step wrong and guided us every step of the way. Thank you Nathan!!!
Jack Reynolds
Jack Reynolds
11:13 03 May 24
Second time using Nathan for a remortgage. He has again been brilliant. I found the remortgage process very confusing but Nathan explained everything to us in terms we understood and is always available if you have any questions. I would recommend Baxter financial services and will be using them for years to come.
James Reed
James Reed
19:07 01 May 24
We have used Baxter Financial Services Ltd for many years and we can’t recommend Nathan (Baxter Financial Services Ltd) enough. He is diligent, accommodating to our requirements and overall provides an excellent service. He always finds time to answer any question or explain any issues that may arise and ultimately finds the best option for us. 5 stars!!!
Sam Sweet
Sam Sweet
12:22 01 May 24
I could not recommend Nathan more. He has been absolutely brilliant through the entire process of buying my first home. As a first time buyer he offered invaluable guidance and advice which made me feel a lot more confident and secure with each step in the process. His knowledge and understanding is exactly what I needed, and I would suggest to anyone to use Nathan.
Sam Targett
Sam Targett
20:07 20 Feb 24
Very helpful , great Guidance and a smooth remortgage
Colt Jeans
Colt Jeans
20:18 19 Feb 24
We couldn't have hoped for a nicer experience with Nathan. As first time buyers and with not great credit Nathan always had the time to answer questions and look for options for us. After a couple of attempts he was able to help us to our first home. He always went above and beyond and if a third party was not functioning as they should he would step in and keep them in check. I cannot fault his service.Thank you, Nathan!
Alex Freeman
Alex Freeman
13:27 28 Dec 23
So happy I chose to go with Nathan as mortgage advisor for my recent purchase. Being a first time buyer, it was crucial to me that I found someone with true expertise who could guide me to attaining the best deal possible.His comprehensive knowledge of the market, paired with his ability to address every query with a swift & accurate response meant that the whole buying process was made as straight forward as it could be for me.I will most certainly choose Nathans expertise again when it comes to remortgage. I Cannot recommend him highly enough!
Tom Marston
Tom Marston
11:57 23 Dec 23
Nathan researched the best product for me, guided me through the process of getting the documents needed for the application and was a sympathetic ear when the seller seemed to be dragging their feet.
Patricia Rice
Patricia Rice
19:51 29 Nov 23
Nathan was recommended to us by a friend and we are very happy he was! He was nothing but amazing, helping us through the process and we can not thank him enough. He ensured it was as smooth as process as possible, explaining every detail to us and was always quick at responding. He is extremely professional and always reassured us with guidance along the way. We would 100% recommended Nathan Baxter to anyone and will certainly be returning to use him again in the future.
eliza tucker
eliza tucker
21:57 10 Oct 23
I've had the pleasure of working with Nathan for the past four years, and I must say the experience has been exceptional from start to finish.Nathan consistently goes above and beyond to help me secure the best possible mortgage deal, patiently addressing all my questions and providing invaluable guidance.He is not only professional but also incredibly friendly and approachable. I couldn't be happier with the results and the service he provides.Nathan possesses extensive knowledge of the mortgage market. He took the time to thoroughly understand my financial situation, preferences, and long-term goals, and then crafted a mortgage solution perfectly aligned with my needs.I wholeheartedly recommend Baxter Financial Services to anyone in need of mortgage or insurance services…!
Z “Sotis”
Z “Sotis”
10:09 03 Oct 23
I cannot recommend Nathan enough, he’s been amazing for our whole process and he was very good at fighting our corner as we had a lot of issues and without Nathan helping us we would of struggled a lot would highly recommend him to everyone
Harrison Dean
Harrison Dean
11:14 27 Sep 23
We cannot recommend using Baxter Financial Services enough! Nathan has been amazing through the whole process of looking to buy a whole, waiting for the purchase to go through and even checking in on us afterwards! There was no question that Nathan couldn’t answer or issue he couldn’t resolve. His knowledge knows no bounds and his customer service is second to none! We’re extremely happy with the service Nathan provided and we will 100% recommend him to friends and be using his services again when it comes to our mortgage renewal!
Sian McCorry
Sian McCorry
07:43 27 Sep 23
Nathan was helpful and quick to respond throughout the process. He always made options clear and gave good advice. Highly recommended
Dan Barr
Dan Barr
19:29 26 Sep 23
Nathan came highly recommended to us from a friend and we were not disappointed. He was helpful and responsive for every step of the process when handling our remortgage and was able to translate solicitor speak into terms we could understand! We will be recommending him to our friends.
Katherine Simmons
Katherine Simmons
14:18 17 Sep 23
I was recommended to BFS LTD from a friend of the family, to put it bluntly Nathan was bloody good at his job, nothing was an issue or a chore, he went above and beyond to help you, his knowledge was second to none!! Any questions I had, I'd put in an email and before the end of my working day, he'd replied with details or advise, even when the solicitors were dragging their heels, he would contact them on your behalf!! And made sure they got what was needed to speed the process up and save us so much time and headache.For any one reading this review don't bother looking further! If your needing advice about your mortgage, get in contact with BFS Itd,Trust me you will not be disappointed.I even got Nathan to do our life insurance at the same time! Saved so much more money
ronald craig edwards
ronald craig edwards
15:36 07 Sep 23
My boyfriend and I recently purchased our first property and we would highly recommend using Baxter Financial Services for your mortgage.As first time buyers Nathan was extremely helpful and went out of his way to make sure all of our questions and queries we had were answered.Thank you so much Nathan for all your help, we look forward to using you again in the future.
Hannah Louise
Hannah Louise
10:18 11 Aug 23
Nathan is such a professional, confident mortgage broker who provided us with such a great service. He was at the end of the phone providing us with reassurance and guidance throughout the whole process. We would 100% recommended his services to anyone and would not move house without him.
Vicky Edwards
Vicky Edwards
17:48 18 Jul 23
We originally used Baxter Finacial Services just over 2 years ago when we bought our first home. We were having a bad experience with our solicitor and the developers and every conversation with Nathan was honestly a breath of fresh air. He really went above and beyond to get us an amazing deal and kept us fully in the loop 100% of the time. We recently used Baxter Financial Services again to explore our remortgaging options and once again Nathan ensured the entire process was stress free and and got us a much better deal than we were expecting. I will be recommending Nathan to everybody we know who is moving/buying!
Ben James
Ben James
18:38 14 Jul 23
My wife and I have recently used Nathan at Baxter Financial Services for a remortgage. From the initial contact through to completion, Nathan helped us and kept us both updated all along the way. You really can tell he knows his stuff. He gave us complete confidence and never let us down. We will certainly be using him again, and would 100% recommend his service to others. From Kev and Marie
k s
k s
15:59 03 Jun 23
Dealt with Nathan to help with our mortgage, absolutely top bloke, keep us updated with everything that was going on and explained clearly what every step did and the terminology which helped us understand as we were first time buyersWould highly recommend 👌
George Rouse
George Rouse
10:19 02 Jun 23
We reached out to Nathan with regards to renewing our mortgage after our previous advisor didn’t get back to us. Nathan was professional, friendly and most importantly, efficient. He spoke with us to go over our individual situation and gave us our options almost immediately. He’s regularly kept us up to date with things on a proactive basis.Nathan has been a pleasure to deal with and we will be returning to him for all our mortgage needs moving forward.
Chris Egan
Chris Egan
20:21 26 Mar 23
Nathan is an absolute wonder when it comes to finding his clients the very best deal possible. He works well over and above to look after people and support them in every step to ensure you are getting the very best. I would not hesitate the recommend Nathan to friends and family. Extremely trustworthy and to cap it off a lovely guy.
Andy Barker
Andy Barker
08:54 12 Jan 23
Nathan helped me secure a superb mortgage rate whilst the market was in turmoil. He is responsive and diligent and will go out of his way to help get things over the line including proactively chasing solicitors and providers. He lessens the stress of the convency process considerably and I would recommend him to anyone!
Felicity Terry
Felicity Terry
23:52 30 Nov 22
If only there were more experts like Nathan, then buying a house would become a lot less stressful for a lot of people. We had the most amazing service from Nathan at Baxter Financial and can't recommend him enough. Our circumstances weren't straight forward with my partner being self employed, interest rates raising by the day and buying a 1800's build but Nathan was able to overcome every obstacle to get us the very best out of the situation we were in. He advised us every step of the way, quite literally holding our hand throughout the whole process and went above and beyond. He recommended the best solicitor I have ever used and quite frankly made it impossible to feel stressed with whats normally one of the most stressful things you'll go through in life. Really cannot thank Nathan enough for how he has helped us purchase our first home. A true expert in his field. Thank you Baxter Financial Services 🙂
J Kennedy
J Kennedy
10:35 25 Oct 22
I cannot recommend Nathan and Anna enough. Throughout a tough buying process they have been there every step of the way. They have explained things to us even when they didn’t need to and got our purchase over the line.The most professional and helpful company we have ever used!
Jo Beech
Jo Beech
12:38 14 Oct 22
Paul Shepherd
Paul Shepherd
15:38 05 Oct 22
We have been working with Nathan for two years, he supported us through our first mortgage application and most recently through our re-mortgage. On both occasions Nathan has provided an excellent service. Nathan is extremely knowledgeable about the market, very efficient and responsive throughout the whole process and a lovely person to boot! We would highly recommend using Baxter Financial Services.
Sarah Mumby
Sarah Mumby
15:16 04 Oct 22
I have been using Nathan Baxter for several years now and he is my broker for both personal mortgages and mortgages within my limited company. He has excellent knowledge of the mortgage products and takes an active role in seeing the mortgage process through to completion. I would highly recommend Nathan to anyone!
Jamie Ings
Jamie Ings
10:36 30 Aug 22
This business is excellent. Really attentive, staying on top of everything. Great communication with Nathan and any updates they would provide. Would highly recommend.
Emily Hawthorne
Emily Hawthorne
16:24 01 Aug 22
Very helpful and friendly.Would happily recommend and will definitely continue to use Nathan’s service in the future
adi ady
adi ady
18:15 03 Jul 22
Ross
Ross
09:03 11 May 22
Nathan was phenomenal throughout the entire process. He kept us thoroughly informed and always responded very quickly to any enquiries. We were provided with the best deals on offer. There were many issues but Nathan chased not only solicitors but even the estate agents in order to speed up the process. Consistenly going above and beyond!Nathan is very honest and gave us the most informed and unbiased advice.This was our first mortgage and we were always told how stressful it is but I can honestly say that Nathan took most of that stress away. I would 100% recommend anyone to use Nathan if they want the best mortgage advisor!
Dean Hashim
Dean Hashim
20:41 27 Apr 22
Nathan was a pleasure to deal with, helped me so much in getting the mortgage & life insurance I required. Really easy to talk to and always responds prompt to emails. I will always use Nathan going forward in the future, I honestly can not recommend him enough.
Screaming Eagle
Screaming Eagle
18:47 14 Apr 22
Vicky Waterman
Vicky Waterman
16:08 14 Apr 22
Pavlin Yorgov
Pavlin Yorgov
17:10 03 Apr 22
Nathan is an exceptional mortgage advisor who gave us a comprehensive overview of the mortgage market, and helped us decide on the best product for our house move.Nathan replies to all queries very quickly, and is great at providing invaluable advice. Our sale/purchase had numerous difficulties but Nathan continuously provided great advice and even helped push solicitors to get it all over the line!We'll certainly be using Nathan again and I would definitely recommend him to anyone looking for an exceptional mortgage advisor!
Luke Brocks
Luke Brocks
13:11 23 Mar 22
Nathan went above and beyond what he should of done for a very long and painful process when we purchased our house. Not only did he answer and abundance of questions we had (1st time buyers!) But he also did lots of chasing on our behalf! I could not recommend anyone else to an A* job. Such a down to earth professional man/business. So polite and really does know his stuff!! We will only ever use Nathan from now on and could not recommend anyone other Nathan for your Mortgage advice needs. Thank you Baxter Financial Services Ltd
Sacha Sutton
Sacha Sutton
20:50 16 Feb 22
Nathan has been my mortgage broker for 5 years. He helped me secure my first mortgage and switch to a better deal at the end of each fixed term. He's proactive and helpful. Out of every party involved in helping me get on the property ladder, Nathan was the one keeping me the most informed and up to date.Most recently he helped me secure a great deal with a product switch.Highly recommend.
Charlotte Cloud
Charlotte Cloud
15:06 21 Jan 22
Nathan has been an absolute pleasure to work with. Purchasing our first business property was a lot of unknowns for us and Nathan guided us through all the way. His communication was excellent, we were always informed and if there was an obstacle Nathan had no qualms about getting involved.When we are ready to purchase our next property we will have no hesitation in using Nathan again. Definite 5 stars!.
Steve Saunders
Steve Saunders
07:27 22 Dec 21
Another first class service from Nathan! A simple product transfer on this occasion however some back and forth on a particular topic before this and, as ever, Nathan was extremely warm and professional; diligent in following up to ensure we kept to timeframes etc but never pushy or overbearing. Feel very strongly that we are in a safe pair of hands with Nathan and he is going above and beyond to provide the best possible service. Would not hesitate to recommend Nathan - and in fact we do so to all of our friends!
Emma Higgin
Emma Higgin
19:08 19 Oct 21
Nathan goes above and beyond to get the job done, as a first buyer his experience in getting me the best mortgage deal was brilliant and I will be forever grateful for his help and patience in making the whole process seemingly easy and straightforward. Will definitely 💯% recommend!
Tony Wilson
Tony Wilson
10:19 09 Oct 21
Nathan provided precise information and options to consider with unbiased advice.From selecting the appropriate option his diligence preparing the application submission and expediting the lender and solicitor was pivotal in securing a very quick offer and mortgage completion. Would happily recommend and will definitely do more business in the future
Graham Hill
Graham Hill
14:32 20 Aug 21
We have used Baxter Financial services a number of times. They always go above and beyond and enabled us to make informed decisions.
Martin Lippe
Martin Lippe
20:21 29 Jul 21
I personally would say I had a pretty rough time with the whole moving experience be it from solicitors or estate agents. However Nathan was the only one throughout the process i could rely on. He put pressure on when needed, but also knew when to let things run their course.If you are thinking about taking out a mortgage I would strongly recommend using this broker and I wouldn’t hesitate to use him again, he worked with me to get the best deal for me and I was able to talk candidly, something I couldn’t of done when speaking direct to a lender, thanks again Nathan 10/10 service will recommend.Josh
Josh Cowlishaw
Josh Cowlishaw
10:19 26 Jul 21
Nathan has been absolutely incredible in what feels like quite a challenging journey to mortgage and buy our new home. He is so responsive, proactive and supportive. We have really felt that he has been by our side continuously and made a time consuming and chaotic situation calmer. He has really gone above and beyond to take on as much as he can so we can carry on with our day to day lives without worry or organising those around us.He is so efficient and gets the job done with a calm and understanding manner. Thank you so much Nathan, we have you to thank for being in our lovely new family home.Highly recommended and deserves more than he charges. Will definitely be back to remortgage.
Jade Simango
Jade Simango
12:41 29 Jun 21
Excellent communication through with Nathan, made the whole process extremely easy. Due to circumstances out of my control, the time from my mortgage application to completion was longer than planned, but Nathan was always communicating with myself or solicitors to get updates. I am very glad I chose to use Baxter Financial Services for this process and would recommend them.
Barry Harman
Barry Harman
08:57 29 Jun 21
James Breeze
James Breeze
12:44 21 Jun 21
Nathan was really helpful and professional, he find for us the best deal for mortgage and the insurances. We highly recommend him.Thank you very much Nathan Baxter!
Mihaela Lungu
Mihaela Lungu
18:23 08 May 21
Nathan was a consummate professional from beginning to end and super helpful at every single stage. Would totally recommend him to everyone who needed financial services
Daniel Fryer
Daniel Fryer
19:06 23 Mar 21
Buying our first home was made so easy, couldn’t recommend highly enough. Very professional and always happy to answer and explain any questions we had, guided us through every step and gave great advice throughout. Made buying our first house a truly stress free experience.
Jodie Aird
Jodie Aird
20:55 04 Mar 21
Lacie Charlesworth
Lacie Charlesworth
12:36 03 Mar 21
As first time buyers Nathan made this process so easy. He helped every step of the way and talked us through everything and anything we didn't understand. Couldn't ask for more and couldn't recommend him high enough.
Callum Taylor
Callum Taylor
13:31 01 Mar 21
Nathan Baxter has been amazing! I couldn't recommend him more. He helped throughout the process from day one until completion. Thank you so much
Lee Parratt
Lee Parratt
17:24 24 Feb 21
BFS has been brilliant from start to finish, from the moment we first enquired to the day we completed, Nathan has been a brilliant help! We were first time buyers with complex circumstances, and after multiple set backs, Nathan couldn’t of been more informative and helpful! From liaising with estate agents and solicitors on a regular basis to giving general advice, I wouldn’t hesitate to recommend to anyone. We’ll certainly be back in touch when the time comes to remortgage!
Charlie Scott
Charlie Scott
20:39 19 Feb 21
Excellent throughout. Cannot speak highly enough of the job Nathan did. Would highly recommend him to anyone looking for mortgage advice.
Mike Williams
Mike Williams
12:00 05 Feb 21
Michael Ransom
Michael Ransom
21:19 04 Jan 21
Nathan was recommended to me by a friend. He is truly worth his weight in gold. He started helping us in February 2020 with what should have been a straight forward move. Then covid happened. We then had to wait til july before we could finally get going with things. He bent over backwards trying to sort Santander mortgage team out (let's not go there with that, that's a whole nother story!). And made sure we got our early repayment charge back too. Honestly folks, you couldnt get a better guy to help you find a mortgage. He is always quick to reply. Full of information and will find it if he doesnt know. We will be back in 2023 to use his services again when our mortgage term runs out. I would recommend him til the cows come home.
Lisa Gigante
Lisa Gigante
12:28 09 Dec 20
Nathan arranged both our mortgage and life insurance, during the process he was incredibly responsive and helpful in answering our questions. Would highly recommend based on our experience.
Oliver Amos
Oliver Amos
07:20 21 Nov 20
Nathan was polite courteous and professional from start to finish assisting me and fiancé with getting our mortgage ready to purchase our first home! (Didn’t realise quite how much was involved)He explained the process fully and answered any questions about things we had. We were made to feel at ease through the whole process.I was so impressed I have recommended Baxter financial services to my parents for there next house move and will continue to use them for any financial needs in the future!Many thanks once again!Triston & Ella
Triston Beach
Triston Beach
19:53 27 Oct 20
Thank you Nathan very professional from start to finish. Kept me updated all along would highly recommend!
James Hinsley
James Hinsley
07:01 18 Oct 20
Very good! use Nathan all the time for my mortgages and with my most recent one went the extra mile to get it sorted for me definitely recommend!
Jordan Murray
Jordan Murray
20:08 15 Sep 20
As first time buyers we were a bit overwhelmed with all the paperwork and some of the terminology. However, Nathan has always been there for us, having lots of patience and explaining us the process. Not only that but has gone the extra mile to support us through getting insurances and chasing the solicitors when needed.We would totally use the company again in the future if we need it and will recommend it to friends and family!
Javier Magán Ventura
Javier Magán Ventura
14:29 13 Sep 20
Absolutely fantastic service provided for by Nathan. We were both first time buyers and Nathan took the time to explain everything at every step of the way, answered all of our questions and greatly helped with our conveyencers. Cannot recommend his service enough!
Lucy Morgan
Lucy Morgan
14:28 13 Sep 20
The best and only broker I will ever use!The service Nathan provided went beyond my expectation, not only did he give me the best mortgage rate but he provided excellent advice and guidance. Nathan helped me with the purchase of my first home in every way possible, chased estate agents and solicitors to ensure successful completion. Being a first time buyer I had no clue, Nathan was there every step of the way to explain everything and he was always a quick message away and I always got a prompt reply. Purchasing a home during Covid 19 was not easy, it took around 6 months, Nathan was very supportive throughout and ensured things were progressing as much as he could. I would fully recommend him to anyone looking for a mortgage!
Taheena Khan
Taheena Khan
08:28 20 Aug 20
Baxter Financial Services were fantastic with helping us from the first initial talk about what mortgages we would be able to obtain, all the way through to completion.Nathan handheld us through each step and was very proactive on our behalf chasing documents required to keep the process moving. He was always obtainable and very personable.We will be doing all our remortgages through him and will always recommend to anyone looking.Thank you Nathan for helping us so much, we are absolutely delighted with our first purchase as a family.
Sarah Roads
Sarah Roads
10:16 09 Jul 20
Nathan recently supported me through a mortgage renewal which led to a significant saving across the renewal term of my home loan. I found Nathan to be knowledgeable, informative and professional throughout the consultancy that I received. He took me through all the options within his broker network and helped me decide the best option based on what made most financial sense. I would highly recommend consulting with Nathan for any mortgage related matters.
Martin Trunecka
Martin Trunecka
08:13 01 Jun 20
Fantastic customer service, he truly looks out for the best of what his clients needs. He put you first and it feels like you are his only customer. Nathan is more than happy to spend time explaining all the elements of the mortgage and other aspect of buying a house and gives detailed explanations. A brilliant man with a fantastic work ethos. I would highly recommend.
Richard D
Richard D
21:00 27 Feb 20
Baxter Financial Services have been brilliant throughout the whole process.Nathan really went above and beyond to get us the best possible deal with our mortgage. This is the second time we have used Nathan and will certainly be back when it is time to Remortgage.On Both occasions Nathan worked extremely hard, kept us informed on regular basis and was always available on the phone when we needed.From initial assessment, mortgage in principal all the way through to Completion , Nathan made sure we was kept in the loop and chased up any queries without hesitation.We will be recommending Baxter Financial Services to Friends and Family so they can experience the stress free procedure we did.Keep up the Great work Nathan and Thank you once again.
Mohammed Ahmed
Mohammed Ahmed
19:24 16 Jan 20
Our best recommend!We were recommended this company and it was by far the best recommend that we have been given. Nathan has been fantastic in his advice and guidance and his responses to any of our queries were answered not only extremely fast but in much detail. We would happily recommend Nathan to anyone and will certainly use him again in the future.
Wayne Derrick
Wayne Derrick
10:38 05 Jan 20
Fantastic advice and service from a genuine professional. Has saved me a lot of money and I couldn't recommend highly enough.
Darren Handley
Darren Handley
17:07 15 Nov 19
Great service from Nathan, managed to get me a really good deal where other brokers had failed, would definitely recommend. Richard
Tricky
Tricky
07:52 25 Oct 19
Jenna Brian
Jenna Brian
17:36 01 Oct 19
Baxter Financial offers a friendly, personal service and Nathan is knowledgable and professional at all times. We had a complicated remortgage and Nathan was always available to help, support and advise us throughout the process. I would definitely recommend Baxter Financial for anyone looking for a service you can trust.
Vicki Wilkes
Vicki Wilkes
10:38 27 Sep 19
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