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Asset Mortgage Solutions

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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.

06/11/2026

A good mortgage adviser should make a complicated process feel clearer.

We were pleased to receive this feedback from Elliot after working with Joe:

“Joe was exceptionally knowledgeable and managed to get us a much better deal while also turning it around in record time.”

Elliot had been recommended to Asset Mortgage Solutions by Redrow after using another mortgage adviser.

Every mortgage application is different, and there is never a guarantee that switching adviser will produce a better deal. But having someone take the time to understand your circumstances, explain your options and manage the process carefully can make a real difference to the experience.

Thank you, Elliot, for the kind words.

If you would like a conversation about your own mortgage options, we are here to help.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

05/11/2026

The Bank of England has raised interest rates to 4%.

After keeping rates unchanged at previous meetings, the Bank of England has today announced a 0.25 percentage point increase, taking Bank Rate from 3.75% to 4%.

The decision follows continued concerns around inflation, with rising energy costs putting additional pressure on the UK economy.

So, what does this mean for your mortgage?
- Fixed-rate mortgages: Your monthly repayments won't change during your existing fixed-rate period.
- Tracker mortgages: Your repayments are likely to increase in line with Bank Rate, depending on your mortgage terms.
- New mortgages and remortgages: Lenders may adjust their pricing, although fixed mortgage rates don't always move directly with Bank Rate.

Whether you're buying, moving or approaching the end of your current mortgage deal, we're here to help you make an informed decision.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

04/11/2026

The next Bank of England interest rate decision is tomorrow.

Bank Rate currently stands at 3.75%, while the latest published UK CPI inflation figure is 3.5% for September.

Those numbers matter, but they do not automatically tell you what rate a mortgage lender will offer.

Fixed mortgage pricing also reflects funding costs, competition and expectations about where interest rates may go in future.

That is why mortgage deals can change before an announcement, not only after one.

If you are buying, moving or approaching the end of a fixed deal, the practical step is to understand what is available to you now, including the monthly cost, fees and flexibility.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

29/10/2026

If your fixed mortgage ends in early 2027, waiting until January could mean leaving it later than necessary.

With average fixed mortgage rates recently reaching three-year highs, borrowers approaching the end of a deal are having to make decisions in a more expensive and fast-moving market.

The BBC reports that some lenders may allow borrowers to secure a new rate three months before their current deal ends, while others may allow as much as six months.

Starting early can give you time to compare:
☑️ Staying with your existing lender
☑️ Moving to a different lender
☑️ Different fixed periods
☑️ Fees as well as the headline rate
☑️ What the new payment means for your wider budget

If your deal expires in the first few months of 2027, we can help you review the options.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

New Rightmove figures reported by the BBC show that sellers cut asking prices on more than 3,000 properties a day on average during September, the highest monthly total in 15 years.

The average reduction was nearly 7%, around £21,000 on a typically valued home.

Why is this happening?
There is more property available, buyers are being selective and higher mortgage costs mean affordability is playing a much bigger part in what people are willing, and able, to pay.

Being mortgage-ready can put you in a stronger position when the right home appears and there is a sensible conversation to be had around price.

Know your budget first. Then negotiate from a position you can actually afford.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/10/2026

A price reduction on your current home can change more than the sale figure.

It can also change the amount of equity you have available for your next property.

Rightmove data reported by the BBC shows homes that needed an asking-price reduction took an average of 119 days to find a buyer, compared with 39 days for homes that sold without one.

For anyone selling and buying at the same time, that matters.

If your expected sale price changes, it could affect:
☑️ The deposit available for your next home
☑️ The size of mortgage you need
☑️ Your loan-to-value
☑️ The mortgage products available to you
☑️ Your comfortable monthly budget

That is why your onward mortgage is worth reviewing alongside the sale of your existing property, rather than treating them as two separate decisions.

If you are planning a move, we can help you understand how the numbers connect before you agree your next purchase.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

20/10/2026

The average new five-year fixed mortgage reached 6% earlier this month, its highest level in three years. The average two-year fixed rate was close behind at 5.98%.

At the same time, the number of fixed-rate deals priced below 5% fell dramatically, from almost 1,500 at the start of September to just a handful, according to figures reported by the BBC.

Rather than waiting and hoping the market moves in one direction, it can be useful to understand the options available now and what the numbers would mean for you.

If your mortgage plans are approaching, Asset Mortgage Solutions can help you review them.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

Being self-employed does not automatically make you a difficult mortgage case, but it does mean lenders may look at your income differently.

Depending on how your business is structured, they may consider accounts, tax calculations, salary and dividends, profits and how your income has changed over time.

And importantly, different lenders can assess the same self-employed income in different ways.

If you're self-employed and thinking about buying, moving or remortgaging, talk to us before ruling anything out.

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

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07/10/2026

Thinking about a mortgage? Your other borrowing matters too.

The latest Bank of England figures showed consumer borrowing increased in August, including borrowing on credit cards.

With household budgets still under pressure, it is worth remembering that lenders look at more than your salary when assessing affordability.

Existing commitments can include:
- Credit cards
- Personal loans
- Car finance
- Buy now, pay later balances
- Other regular credit agreements

Having borrowing does not automatically stop you getting a mortgage, but it can affect how much a lender is comfortable offering and how affordable the monthly payments look alongside your other commitments.

If you are planning to buy in the next few months, reviewing your finances early can give you time to understand your position before you apply.

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

02/10/2026

Does that mean the property market has stopped moving?

No.

The latest Bank of England figures show 54,900 mortgages were approved for house purchases in August, down from July and below the average seen over the previous six months.

That tells us buyers are being a little more cautious, but people are still moving, buying and remortgaging.

If buying a home is one your plans before the end of the year, get in touch:

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

Website

http://www.assetmortgagesolutions.co.uk/

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