As Financial Ltd

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.

Fixed or tracker? It’s one of the most common questions we get right now, and it’s a genuinely interesting one.The case ...
16/06/2026

Fixed or tracker? It’s one of the most common questions we get right now, and it’s a genuinely interesting one.

The case for fixed: rates could go up. The Bank of England has flagged the possibility of multiple hikes this year. A fixed deal locks in your payment and removes that uncertainty.

The case for tracker: some trackers let you leave penalty-free. If rates fall, and some forecasters still think they will, you could move to a cheaper deal without paying an exit fee.

Neither is right for everyone. It really does depend on your budget, your plans and how much certainty you need on your monthly outgoings.

What we’d say: the difference between a good decision and a less good one here usually comes down to whether you’ve had a proper conversation before choosing.

📲 We’re happy to talk it through.



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

At the start of 2026, many forecasters expected UK interest rates to fall through the year.That picture has changed quit...
15/06/2026

At the start of 2026, many forecasters expected UK interest rates to fall through the year.

That picture has changed quite significantly.

Several major institutions, including JP Morgan, Goldman Sachs, Oxford Economics and Capital Economics, have recently shifted toward a more cautious or higher-for-longer view on UK interest rates.

Some are now pushing expected rate cuts further out, while others believe further hikes remain possible.

For anyone with a mortgage deal ending this year, it’s worth understanding what the current market outlook could mean for your options.

📲 We're happy to talk through what that looks like for you.



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

If you took out a 5-year fixed rate mortgage in 2021, your rate was probably around 2.57%.The current average 5-year fix...
11/06/2026

If you took out a 5-year fixed rate mortgage in 2021, your rate was probably around 2.57%.

The current average 5-year fix is 5.70%.

On a £200,000 mortgage over 30 years, that’s the difference between £798 a month and £1,161 a month.

An extra £363 every month, or £4,356 a year.

We’re not sharing this to cause alarm. It’s just useful to know the number before it arrives rather than after.

And the worst outcome isn’t paying more. It’s paying more AND ending up on the SVR because you didn’t act in time.

If your 5-year fix is ending this year, it’s worth starting the conversation now.



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

The average standard variable rate in the UK right now is 7.15%.If you’re on a £200,000 mortgage over 30 years, here’s w...
09/06/2026

The average standard variable rate in the UK right now is 7.15%.

If you’re on a £200,000 mortgage over 30 years, here’s what that looks like:

📌 At 7.15% (SVR): around £1,348 per month

📌 At 5.70% (current average 5-year fix): around £1,161 per month

📌 Difference: £187 per month. £2,244 per year.

That’s the cost of rolling onto your lender’s SVR compared to remortgaging onto a new deal.

Most people don’t do it intentionally. They mean to sort it, and then the deal ends before they get round to it.

If your fixed rate ends in the next six months, this is the number worth knowing.

📲 Message us and we’ll look at your options.



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

Most people think protection insurance costs hundreds a month.For a healthy non-smoker in their thirties, life cover can...
08/06/2026

Most people think protection insurance costs hundreds a month.

For a healthy non-smoker in their thirties, life cover can start from around £10, depending on health, cover amount and term.

That assumption, that it’s too expensive and something to sort out later, is what keeps people unprotected for longer than makes sense.

And, ironically, can see yourself end up paying much more than you needed to!

We’ve broken down what protection insurance actually costs in 2026, what drives the price, and what level of cover makes sense for different situations.

📖 https://as-financial.com/the-true-cost-of-protection-insurance-in-2026/



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

The next Bank of England interest rate decision is on the 18th June.The base rate has been held at 3.75% since December....
04/06/2026

The next Bank of England interest rate decision is on the 18th June.

The base rate has been held at 3.75% since December.

The Bank has indicated that inflation risks remain and markets are now pricing in the possibility of further rises later this year, with predictions ranging from one hike to several.

If your fixed rate ends in the next six months, now is a good time to act rather than waiting to see what happens on the 18th.

Here’s why: you can lock in a rate today and keep it under review. If something more suitable comes up before you need to switch, you can move to it. If rates rise in the meantime, you’re already protected.

📲 Drop us a message if you’d like to talk through your options before the decision.



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

Buying your first home is exciting. It’s also one of the most unfamiliar financial processes most people will ever go th...
02/06/2026

Buying your first home is exciting. It’s also one of the most unfamiliar financial processes most people will ever go through.

And the mistakes that cost buyers the most? They’re rarely the big ones.

They’re the things nobody told them to check. A credit file issue that could have been fixed in a week. A deposit that looked right until the legal fees landed. A mortgage in principle left too late.

We’ve written up six of the most common ones, and exactly what to do instead.

Worth a read if you’re planning to buy this year or next. 👇

https://as-financial.com/first-time-buyer-mortgage-6-common-mistakes-and-how-to-avoid-them/



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

Happy Pride Month from all of us at AS Financial 🌈However you’re celebrating this month, loudly, proudly, quietly, or si...
01/06/2026

Happy Pride Month from all of us at AS Financial 🌈

However you’re celebrating this month, loudly, proudly, quietly, or simply by being yourself, we hope it’s filled with happiness, support and moments that matter. ❤️

We’re proud to support a world where everyone feels welcome, valued, and able to build a future that feels like home.

It's a question we're hearing more often. 👂Higher borrowing costs. Tax changes. Now the Renters' Rights Act coming into ...
27/05/2026

It's a question we're hearing more often. 👂

Higher borrowing costs. Tax changes. Now the Renters' Rights Act coming into force in May.

The landlords who are struggling tend to be the ones who bought on thin margins a few years ago and haven't reviewed their position since.

The ones doing well? They've restructured where it made sense, they understand their numbers, and they're not making decisions based on headlines.

Buy-to-let isn't what it was in 2015. But for the right investor, with the right setup, it still works.

If you're unsure where you stand, we're always happy to look at the numbers with you.



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

When did you last check your life insurance still actually fits?Not just that it's active - but that the amount is right...
25/05/2026

When did you last check your life insurance still actually fits?

Not just that it's active - but that the amount is right, the term still makes sense, and it reflects your life now rather than your life when you took it out.

A lot of people have policies they set up years ago.

Since then they've moved, had children, changed jobs, taken on a bigger mortgage.

The cover hasn't kept up.

A quick review takes less time than you'd think. And it either gives you peace of mind, or flags something worth fixing.

We offer free protection reviews - no pressure, just a clear picture of where you stand.

📲 Drop us a message if you'd like to take a look.



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

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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