Asset Mortgage Solutions

Asset Mortgage Solutions Our company was founded to specialise in advising you in relation to your mortgage and associated protection needs.

"We help you find the right mortgage"

We're independent mortgage advisors who have access to over 10,000 mortgage deals with hundreds of lenders.

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We’re proud to be rated 5/5 on Google We are not owned by a bank, building society or insurance company; we work solely for you. Our objective is to provide a friendly professional advice service tailored to your specific mortgage needs. You can

visit a branch or arrange for an advisor to visit you in the comfort of your own home, alternatively we can complete the whole transaction over the telephone and take care of the paperwork for you. We take pride in providing high standards of customer service and refuse to employ high-pressure sales methods that occur far too frequently. We believe a customer should have time to consider important financial decisions and encourage you to take as much time as you require.

Bank Rate is 3.75%. That doesn't mean your mortgage rate is 3.75%.It's an easy assumption to make, especially when Bank ...
10/09/2026

Bank Rate is 3.75%. That doesn't mean your mortgage rate is 3.75%.

It's an easy assumption to make, especially when Bank of England decisions dominate the headlines.

But lenders price fixed mortgages using a much wider set of factors, including expectations about where interest rates may go next, their own funding costs and competition across the mortgage market.

That's why mortgage rates can sometimes fall before Bank Rate is cut, or rise even when the Bank of England leaves rates unchanged.

For borrowers, the important thing is not to make a decision based on one headline number: Look at the products available to you, the monthly cost, the fees involved and how the mortgage fits your plans.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

September is when a lot of property plans start getting serious.The summer is over, routines are returning and, for many...
08/09/2026

September is when a lot of property plans start getting serious.

The summer is over, routines are returning and, for many people, thoughts turn back to buying, moving or finally getting that mortgage plan underway.

If that sounds like you, start with the numbers before the property search.

It's worth understanding:
✅ How much you may be able to borrow
✅ What monthly payment feels comfortable
✅ How much deposit you will need
✅ The other costs involved in buying
✅ Whether there is anything in your finances that needs attention first

When the right property appears, it's good to know what's realistic and what your next step should be.

If buying or moving is on your autumn list, get in touch

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

Buying a home with a partner, family member, friend or business partner can make homeownership more achievable, but ther...
04/09/2026

Buying a home with a partner, family member, friend or business partner can make homeownership more achievable, but there are several things to think about before you apply for a joint mortgage.

It's worth discussing:
- How you'll split the deposit
- Who will contribute towards the mortgage and household costs
- How you'll own the property
- What happens if one person wants to sell
- Whether your individual financial circumstances could affect the application

It's also important to understand that with a joint mortgage, you're generally responsible for the mortgage together. If one person can't make their contribution, the other borrower may still be responsible for the full payment.

Your mortgage is a long-term financial commitment, so having an open conversation about the practical and financial side of buying together is important.

If you're thinking about buying with someone else and would like to talk through your options, get in touch:

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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When you apply for a mortgage, lenders look at much more than your salary.They want to understand your overall financial...
27/08/2026

When you apply for a mortgage, lenders look at much more than your salary.

They want to understand your overall financial position and whether the mortgage is affordable for you, both now and in the future.

Things that may be considered include:
☑️ Your income and how it's earned
☑️ Regular household spending
☑️ Existing loans and credit commitments
☑️ Your deposit
☑️ Credit history
☑️ Employment and income stability
☑️ The term and size of the mortgage you're applying for

This is why two people earning the same salary can sometimes have very different borrowing options.

And if your income or circumstances are more complex, choosing the right lender can become even more important. Different lenders have different criteria for assessing income, affordability and financial commitments.

If you're thinking about applying for a mortgage and want to understand where you stand, get in touch.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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Your mortgage options don't necessarily end at retirement.New figures from UK Finance show that later-life lending is co...
26/08/2026

Your mortgage options don't necessarily end at retirement.

New figures from UK Finance show that later-life lending is continuing to grow.

In Q2 2026, 37,300 new loans were advanced to older borrowers, an increase of 13.4% compared with the same period last year. The total value of lending reached £6.2 billion.

For homeowners approaching or already in retirement, this highlights an important point: there isn't necessarily a one-size-fits-all approach to borrowing later in life.

Depending on your circumstances, options could include:
- A traditional mortgage
- Retirement interest-only (RIO) lending
- Lifetime mortgages
- Other later-life lending solutions

The most suitable option will depend on factors such as your age, income, property value, existing mortgage and future plans.

It's also important not to assume that equity release is automatically the answer. Different solutions have different implications for your repayments, estate and long-term finances.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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Why an Agreement in Principle (AIP) could be a useful first step.Before you start viewing properties and working out wha...
24/08/2026

Why an Agreement in Principle (AIP) could be a useful first step.

Before you start viewing properties and working out what you can afford, it helps to understand your potential borrowing position.

An Agreement in Principle (AIP) gives you an indication of how much a lender may be prepared to lend, based on the information provided about your circumstances.

The process typically involves:
1. Understanding your income, outgoings and deposit
2. Identifying lenders whose criteria may suit you
3. Applying for an AIP
4. Using the result to help establish a realistic property budget

An AIP can also demonstrate to estate agents and sellers that you're serious about buying.

It's important to remember that an AIP isn't a mortgage offer or guarantee. A full application and further checks will still be required before a mortgage can be approved.

As whole-of-market mortgage brokers, we can help you understand your options and find an appropriate lender for your circumstances.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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You've spent years paying off your home. What could that equity do for you now?For many homeowners, their property is th...
20/08/2026

You've spent years paying off your home. What could that equity do for you now?

For many homeowners, their property is their biggest financial asset. Over the years, its value may have increased while the amount owed on the mortgage has reduced, creating equity in the property.

Depending on your age, circumstances and financial goals, equity release could provide a way to access some of that value without selling your home.

The money could potentially be used for a range of purposes, such as:
- Supporting your retirement
- Making home improvements
- Helping family members financially
- Paying for larger expenses
- Supplementing your income

Equity release isn't right for everyone, and there are important factors to consider, including the impact on your estate, benefits and future borrowing.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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It's one of the questions we're asked most often, and the answer might surprise you.There isn't a single salary that gua...
13/08/2026

It's one of the questions we're asked most often, and the answer might surprise you.

There isn't a single salary that guarantees you'll be able to get a mortgage. Every application is assessed based on your individual circumstances.

Lenders will typically look at factors such as:
- Your income
- Your monthly outgoings
- Any existing credit commitments
- Your deposit
- Your credit history
- The type of mortgage you're applying for

This means two people earning the same salary could be offered different mortgage amounts.

That's why it's important not to rely on online estimates or assumptions. Speaking to a mortgage adviser can give you a much clearer understanding of what may be possible based on your own circumstances.

Whether you're ready to buy now or you're planning ahead, understanding your borrowing potential is a great first step.

If you're wondering how much you could borrow, get in touch:

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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Searching for a mortgage can be time-consuming, especially when there are so many lenders and products to compare.That's...
11/08/2026

Searching for a mortgage can be time-consuming, especially when there are so many lenders and products to compare.

That's where we can help.

As whole-of-market mortgage brokers, we have access to over 10,000 mortgage deals from a wide range of lenders. Rather than limiting your options to one bank or building society, we search the market to find mortgages that suit your individual circumstances.

Whether you're:
- Buying your first home
- Moving house
- Remortgaging
- Self-employed
- Looking for a buy-to-let mortgage

We'll take the time to understand your needs, explain your options clearly and help you find a mortgage that's right for you.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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The lowest interest rate isn't always the cheapest mortgage.When comparing mortgage deals, it's easy to focus on the int...
05/08/2026

The lowest interest rate isn't always the cheapest mortgage.

When comparing mortgage deals, it's easy to focus on the interest rate. But there's another important factor to consider: the product fee.

A product fee is a charge some lenders apply for offering a particular mortgage deal. Depending on the mortgage, this could be a few hundred pounds or over £1,000.

So, should you always avoid a fee? Not necessarily.

In some cases, a mortgage with a product fee may offer a lower interest rate, which could save you more over the course of your deal than a fee-free mortgage. In other situations, a fee-free option may work out better.

The right choice depends on factors such as:
❔ How much you're borrowing
❔ The size of your deposit
❔ How long you plan to stay on the mortgage deal
❔ Whether you pay the fee upfront or add it to the mortgage

This is why it's important to look at the overall cost of the mortgage, rather than just the headline rate.

If you'd like to review your mortgage options, get in touch:
Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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Address

Studio C Treowen House, Llanover Business Centre
Abergavenny
NP79HA

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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