As Financial Ltd

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As Financial Ltd Experts in helping individuals and businesses secure the right mortgage and protection insurance. Top 2% of independent mortgage brokers nationwide.

We are an independent mortgage broker in the top 2% nationwide, providing a comprehensive range of mortgage and protection insurance services. We have access to specialist lenders and exclusives from the high street, so our clients get a great service and a great rate.

Behrad's job is to have the conversation most people avoid 🛡️He's our one of our excellent Protection Advisers, and afte...
15/10/2026

Behrad's job is to have the conversation most people avoid 🛡️

He's our one of our excellent Protection Advisers, and after years doing what he does, he's talked more first-time buyers, young families and business owners through "what happens if things go wrong" than he could count!

His approach stays honest and jargon-free: what you'd actually want covered, and why it matters.

If protection's the conversation you keep putting off, Behrad's a good one to finally have it with.

Say hello whenever you're ready:

https://as-financial.com/contact/

Priced out of buying outright in London? Shared Ownership might be worth a proper look 🏠Here's how it works: you buy a s...
14/10/2026

Priced out of buying outright in London? Shared Ownership might be worth a proper look 🏠

Here's how it works: you buy a share of a home, typically 10% to 75%, using a mortgage and a deposit sized to that share, not the full price. You pay subsidised rent to a housing association on the part you don't own.

Over time, you can buy more of the property through a process called "staircasing", right up to owning it outright.

It's not for everyone, and there are income caps to be aware of (currently £80,000 a year outside London, £90,000 in London), but for a lot of buyers it's a genuinely realistic way onto the ladder when a full mortgage isn't.

It's also more specialist than a standard purchase, different affordability rules, different paperwork, which is exactly where having the right broker matters.

Thinking it might be an option for you? Let's talk it through.

https://as-financial.com/contact/



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

Renovating the kitchen, consolidating a few debts, helping a child with their first deposit… 🏡More homeowners are asking...
12/10/2026

Renovating the kitchen, consolidating a few debts, helping a child with their first deposit… 🏡

More homeowners are asking us the same question lately: can I release some of the equity in my home to pay for this?

Often, yes - but it's worth understanding exactly how it works, and where the risks are, before you dive in.

Take a look at this step-by-step guide covering the process and what to watch out for 👇

https://as-financial.com/how-to-remortgage-to-release-equity-uk/



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

Family help with a deposit is more common than people think, but there's one document that makes or breaks it: the gifte...
08/10/2026

Family help with a deposit is more common than people think, but there's one document that makes or breaks it: the gifted deposit letter 📝

It sounds like a formality, but lenders take it seriously.

It needs to confirm the money's a genuine gift, not a loan, that there's no expectation of repayment, and that whoever's gifting it won't have any claim on the property.

Alongside it, lenders and solicitors usually want to see where the money came from, think a few months of bank statements from the giver, to satisfy anti-money-laundering checks.

Get the wording wrong, or leave it too late, and it can hold up your whole application at exactly the wrong moment.

If your deposit's coming with a bit of family help, we'll make sure the paperwork keeps pace with everything else.

https://as-financial.com/contact/



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

Every year, the same thing happens before the Budget: headlines spike, and people quietly put their plans on hold "just ...
06/10/2026

Every year, the same thing happens before the Budget: headlines spike, and people quietly put their plans on hold "just in case" 📰

This year's a big one, delivered 28th October under a new PM and Chancellor, so you should expect plenty of noise.

Truth is, nobody, us included, knows exactly what's coming until the Chancellor actually stands up. But mortgage rates and lending criteria move on real announcements, not speculation.

So if you're buying, remortgaging or weighing up your options, pausing rarely helps.

If anything, locking in a rate you're happy with now protects you either way 🔒

If anything from the Budget genuinely affects you, we'll post it on our page.

Questions before the 28th? Let's talk.

https://as-financial.com/contact/

Quick one for the contractors 👋Ever looked at a mortgage affordability form and thought, "this doesn't reflect what I ac...
05/10/2026

Quick one for the contractors 👋

Ever looked at a mortgage affordability form and thought, "this doesn't reflect what I actually earn"?!

You're not wrong. A lot of contractors get assessed on a modest PAYE salary, when their day rate tells a completely different story 💼

Some lenders will calculate your income based on your day rate instead, not just what you pay yourself on paper.

We've broken down exactly how that calculation works right here 👇

https://as-financial.com/day-rate-mortgage-uk/



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

Most people assume mortgage overpayments are simply free money off your balance.There's a catch worth knowing before you...
02/10/2026

Most people assume mortgage overpayments are simply free money off your balance.

There's a catch worth knowing before you make one 👀

Save this before your next lump sum.



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

New on the blog: the question every first-time buyer tentatively types into Google at 11pm… 🌙"How much can I actually bo...
29/09/2026

New on the blog: the question every first-time buyer tentatively types into Google at 11pm… 🌙

"How much can I actually borrow for a mortgage?"

We've broken it down for you properly - income multiples, a borrowing table, and two real London examples so you can see roughly where you'd land.

No vague ranges, just the maths lenders actually use 👇

https://as-financial.com/how-much-can-i-borrow-mortgage-uk/

We hope you find this useful!



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

Down valuation? Take a breath, it's not the end of the road 🛑It sounds alarming, and it's cropping up more often lately,...
24/09/2026

Down valuation? Take a breath, it's not the end of the road 🛑

It sounds alarming, and it's cropping up more often lately, so it's worth knowing what it actually means: it's when the lender's surveyor values a property at less than the price you agreed to pay 🏡

Why does it matter? Because the lender bases your mortgage on their figure, not the sale price, which can leave a gap to bridge.

But here's the part that gets forgotten: a down valuation isn't always the final word. There are usually options - challenging it with evidence, looking at a different lender, or renegotiating with the seller 💪

That's where a broker earns their keep.

When a deal wobbles, we're the calm hand that keeps it moving.



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

Ever heard of a "peppercorn rent" and wondered what on earth pepper has to do with property? Here's the delightfully odd...
23/09/2026

Ever heard of a "peppercorn rent" and wondered what on earth pepper has to do with property?

Here's the delightfully odd history.

Centuries ago, pepper was so prized it was practically currency, people paid rents and debts in the stuff. 💰

For a contract to be legally binding, something of value has to change hands. So a single peppercorn became the classic token payment: small enough to be symbolic, real enough to seal the deal 📜

Today a "peppercorn rent" means a nominal rent, often literally nothing in practice, most commonly seen with certain leasehold or ground rent arrangements 🏡

It's a lovely reminder that property is full of quirks with real history behind them!

Address

Elm Yard, 10-16 Elm Street
London
WC1X0BJ

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+442033016690

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