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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.

03/09/2026

"I've got a student loan - I'll never get a mortgage." We hear this one a lot. And happily, it's a myth 🙌

The average first-time buyer is now nearly 34, and student debt is part of why people assume the door's closed. But here's the truth: a student loan doesn't appear on your credit file, and it won't stop you being approved 🎓

What it does do is affect affordability, because your repayments come out of your monthly income, lenders factor them in when working out what you can borrow. That's a very different thing from being blocked.

The good news is that different lenders treat this differently, and knowing which ones are more generous is exactly our job. We'll help you borrow as much as you comfortably can 🏡

Curious where you'd stand? Let's have a chat.

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

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

01/09/2026

You might hear the word "deposit" three times during a purchase. It doesn't always mean the same thing. 😅

Especially with a new build, three different payments often get muddled up. Here's the quick version. 👇

The exact figures can vary, so always confirm the details with your adviser and solicitor. ✅

Buying a new build and not sure what's what?

AS Financial can walk you through it.

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

28/08/2026

Fixed or tracker? It's the question on every remortgager's mind right now. 🤔

Fixed deals give you certainty, your payment stays put.

Trackers can start lower, but they move up or down with the base rate. 📈📉

So which is right for you? It really comes down to one question: what would happen if your monthly payment went up?

If certainty helps you sleep at night, fixed may suit. If you've got breathing room in your budget, a tracker could be worth a look. 💷

Coming to the end of your deal in the next six months?

Read the full guide https://as-financial.com/fixed-vs-tracker-mortgage-rates-in-2026-which-is-right-for-you/ or talk it through with AS Financial.

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

26/08/2026

New job, new salary… but do you have to wait six months before buying? 🤔

Good news: being in a probationary period doesn't automatically stop you getting a mortgage.

Plenty of lenders will still consider your application.

They'll often look at things like:

✅ Your signed employment contract
✅ Your wider work history
✅ Your industry and role
✅ The overall strength of your application

Some lenders are more flexible than others, which is exactly where the right advice helps. 💡

Just started a new role? Don't assume you have to wait. Have a chat with AS Financial first.

24/08/2026

Planning your first or second development project? 🏗️

Development finance works differently to a standard mortgage.

Instead of one lump sum, funding is released in stages as the build progresses, and lenders look at what the finished project will be worth (its Gross Development Value) rather than just your income.

Our latest guide breaks down how it works in 2026, what lenders want to see, and how first-time developers can get a project off the ground. 👷

A clear exit strategy, sensible contingency and the right professional team make all the difference. ✨

Read the full guide https://as-financial.com/development-finance-options-for-small-developers-in-2026/

Or message our Head of Commercial Finance, Chris Brown, to talk through your project https://as-financial.com/team-member/chris-brown-head-of-commercial-finance/.

21/08/2026

Every business plan talks about growth. Fewer talk about what happens when the person driving it has to stop. 🤔

This World Entrepreneurs' Day, we're raising a glass to our self-employed and business-owner clients. 🥂

It's also a good moment to ask two questions:

Could your business keep running without a key person?

Would your household stay financially secure if illness stopped you working?

That's where cover like Business Protection and Income Protection quietly does its job, so the thing you've built is ready for the unexpected. 🛡️

Building something of your own? Let's make sure it's protected. Speak to AS Financial.

As with all insurance policies, conditions and exclusions will apply.

18/08/2026

Four weeks, thirteen weeks or longer… how long could your savings cover your salary? 🤔

Income Protection doesn't always start paying the moment you're unwell. There's a waiting period first, the deferred period, and you get to choose it.

A shorter deferred period means cover kicks in sooner, but usually costs a little more.

A longer one costs less, but you'll need enough sick pay or savings to bridge the gap.

The right choice depends on your employer sick pay, your savings and your monthly outgoings. 💷

Not sure which waiting period fits your life?

AS Financial can help you work it out.

As with all insurance policies, conditions and exclusions will apply.

17/08/2026

"My parents are helping with the deposit" can mean three very different things. 👀

And the difference really matters, because lenders and solicitors need to know exactly where the money's coming from, and whether it needs to be repaid.

Here's a simple breakdown of the three most common ways family help. 👇

Not sure which route fits your situation? AS Financial can talk it through with you.

https://as-financial.com/

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

14/08/2026

It's August, which means half the country is out of office and the other half is quietly holding everything together. 😅

So we made a little summer bingo. ☀️

How many can you tick off this month? 👇

11/08/2026

If we could go back, here's what we'd tell our younger selves about getting on the property ladder. 🏡

None of us got it perfect first time, and that's kind of the point.

The earlier you understand how it all works, the smoother your buying journey tends to be. ✨

What do you wish you'd known before buying your first home? 👇

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

Website

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

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