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.

Buying a home with a partner, friend or family member can be an exciting step, but it's important to have some key conve...
11/06/2026

Buying a home with a partner, friend or family member can be an exciting step, but it's important to have some key conversations before you start the process.

1️⃣ How will you split the deposit?
Will you both contribute equally, or will one person be putting in more? It's worth agreeing this from the outset.

2️⃣ Who will be responsible for the mortgage repayments?
Even if you plan to split payments equally, it's important to understand your responsibilities should circumstances change.

3️⃣ What type of ownership suits your needs?
There are different ways to own a property jointly, and the right option will depend on your individual situation and intentions.

4️⃣ Should you get a cohabitation agreement?
While not necessary for everyone, some buyers choose to formally document financial arrangements to provide clarity and protection.

5️⃣ Is there anything in your financial history that might affect your mortgage application?
Credit history, existing commitments and income can all influence the options available to you.

Taking the time to discuss these questions early can help make the home-buying journey smoother and ensure everyone starts on the same page.

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

When buying a property, your deposit does more than simply secure the purchase.The size of your deposit can have a signi...
09/06/2026

When buying a property, your deposit does more than simply secure the purchase.

The size of your deposit can have a significant impact on the mortgage options available to you, including the interest rates you may be offered.

- A larger deposit means you're borrowing a smaller percentage of the property's value
- This can give you access to a wider range of mortgage products
- You may benefit from more competitive interest rates
- Your monthly repayments could be lower
For example, there can be a noticeable difference between borrowing 95%, 90% or 75% of a property's value.

However, that doesn't mean you need a huge deposit to buy a home. Many buyers successfully purchase with a 5% or 10% deposit, particularly first-time buyers.

The important thing is understanding what options are available based on your circumstances and how your deposit may affect your borrowing position.

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

Many people are asking the same question, the answer depends on your goals, finances and investment strategy.While landl...
04/06/2026

Many people are asking the same question, the answer depends on your goals, finances and investment strategy.

While landlords have faced higher interest rates, changing regulations and increased costs in recent years, demand for rental properties remains strong in many areas of the UK.

Before investing, it's important to consider:
- Your available deposit
- Expected rental income
- Ongoing costs and maintenance
- Mortgage affordability
- Your long-term investment objectives

Buy-to-let isn't about chasing short-term gains. For many investors, it's a long-term strategy focused on generating rental income and building wealth over time.

Whether you're considering your first rental property or looking to expand an existing portfolio, if you'd like to discuss buy-to-let mortgages or your future property investment plans, get in touch:
Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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Finding the right mortgage is not just about securing a competitive rate, it’s about finding a solution that suits your ...
02/06/2026

Finding the right mortgage is not just about securing a competitive rate, it’s about finding a solution that suits your circumstances, plans and long-term goals.

As whole of market mortgage brokers, we search through thousands of mortgage products from a wide range of lenders to help find the most suitable option for you.

Whether you are:
- Buying your first home
- Moving property
- Remortgaging
- Purchasing a buy-to-let
- Exploring options with a smaller deposit
- Self-employed or have more complex income

Having access to a broad range of lenders can make a significant difference, and every lender has different criteria, affordability calculations and product options, which is why tailored advice matters.

If you’d like to review your mortgage options or discuss your future plans, we’re always happy to have a no-obligation conversation.

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

Buying a new build property can feel very different to purchasing an existing home, and the mortgage process can be diff...
26/05/2026

Buying a new build property can feel very different to purchasing an existing home, and the mortgage process can be different too.

Many buyers are surprised to learn that new build mortgages often come with additional considerations, including:
- Developer deadlines and reservation periods
- Mortgage offer expiry dates if the build is delayed
- Different lender criteria for new build properties
- Deposit requirements that can vary between houses and flats
- Incentives offered by developers that may affect the application

Because of this, timing and preparation become especially important when buying a new build. It’s important to work with a lender that is comfortable with the specific property and development you’re buying on.

New build purchases can run very smoothly with the right planning and guidance in place from the start.

If you’re considering a new build property and would like to understand your mortgage options, we’re always happy to help.

Arranging a mortgage can feel overwhelming, especially when there are so many options and moving parts to consider.That'...
22/05/2026

Arranging a mortgage can feel overwhelming, especially when there are so many options and moving parts to consider.

That's why clear communication, proactive support and straightforward advice can make such a difference throughout the process.

We're grateful to Hannah for taking the time to share her experience. Helping client feel informed, supported and confident throughout their mortgage journey is always the priority.

If you'd like to discuss your mortgage options or future plans, we're always happy to have a no-obligation conversation.

The Bank seems to be adopting a “wait and see” approach.While holding rates may offer some short-term stability, inflati...
20/05/2026

The Bank seems to be adopting a “wait and see” approach.

While holding rates may offer some short-term stability, inflation is still above the Bank's target and global economic uncertainty continues to put pressure on financial markets.

For mortgage borrowers, it's important to remember that lenders don't base mortgage pricing solely on the Bank of England decision. Mortgage rates are also influenced by inflation expectations, swap rates and wider market confidence.

This means mortgage rates can still move, even when the base rate stays the same.

Rather than trying to predict every market movements, the most important thing is understanding your own position and reviewing your options regularly.

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

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A 95% mortgage allows you to buy a property with a 5% deposit, with the lender covering the remaining 95%.This type of m...
15/05/2026

A 95% mortgage allows you to buy a property with a 5% deposit, with the lender covering the remaining 95%.

This type of mortgage can be helpful for those looking to get onto the property ladder sooner, particularly first-time buyers who may not yet have a large deposit saved.

However, lenders will still carry out full affordability checks, looking at:
- Your income and employment stability
- Monthly commitments and existing credit
- Your overall financial position
- Credit history

It’s also worth noting that 95% mortgages can sometimes come with:
- Higher interest rates compared to lower loan-to-value options
- Fewer product choices from lenders
- Stricter affordability assessments

That said, they remain a viable option for many buyers when used appropriately and with the right guidance. Understanding what you could realistically borrow and what lenders may offer is an important first step before starting your property search.

If you’d like to explore your options, we’re happy to talk it through with you.

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

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14/05/2026

Halifax are launching a £5k deposit mortgage!

What’s new?

On Monday 18 May we will be launching a new low deposit mortgage scheme for First time buyers (FTB) who have saved a personal deposit of a minimum £5,000.

We know getting a deposit together is one of the main barriers for First time buyers looking to get onto the housing ladder, and by lowering the deposit required we will support more customers buying their first home.


Key details

• Only one customer on a joint application has to be a FTB (key the FTB as first applicant)

• Up to a maximum purchase price of £300,000

• £5,000 minimum personal deposit which cannot be gifted. Proof of deposit may be required

• Employed and self-employed customers; no minimum income level

• 5 year fixed rate product, with a £0 product fee available above 95% to 98.34% LTV

With summer approaching, many buyers start to become more active in the property market.But the most prepared buyers are...
12/05/2026

With summer approaching, many buyers start to become more active in the property market.

But the most prepared buyers are already getting organised now.

Starting early allows you to:
☑️ Understand your borrowing position
☑️ Get your Agreement in Principle in place
☑️ Review your budget and monthly affordability
☑️ Move quickly when the right property comes up

In a competitive market, timing matters, but preparation matters more.

Getting everything in place ahead of time can make the process smoother and far less stressful.

If you're buying this year, 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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