Business Details
Trusted Mortgage & Protection Advisors in London
A S Financial is a trusted mortgage and protection advice firm founded in London with a commitment to delivering clear, personalised financial solutions. Our team of qualified advisers specialises in tailoring mortgage and protection strategies for individuals, families, and businesses across the UK. With a client-first ethos, we combine deep market expertise and access to 90+ lenders to provide independent, unbiased advice. Our approach prioritises long-term relationships over transactions, ensuring clients receive transparent guidance that aligns with their unique goals. Recognised as top 2% mortgage brokers in the UK, we leverage technology to streamline processes while maintaining a human-centric service. Backed by industry accreditations and a 5.0 Google rating from 450+ reviews, we focus on simplifying complex financial decisions without sales pressure.Our advisers are trained to the highest standards, offering support for first-time buyers, landlords, self-employed individuals, and businesses seeking protection solutions. With a mission to empower clients through education and clarity, we provide ongoing support for evolving financial needs.
Services
Mortgage Advice
Protection Insurance
First-Time Buyers
Remortgage
Buy-to-Let
New Builds
Life Insurance
Critical Illness Cover
Income Protection
Business Protection
Highlights and features
- Client-first approach prioritising your goals over sales targets
- Independent brokers with access to 90+ UK lenders
- Qualified advisers specialising in complex cases like self-employed mortgages
- No hard sell approach to protection insurance products
- Recognised in Vouched For Top Rated Advisers Guide
Associations and certifications
- Financial Conduct Authority
What people say
Efficient service
Excellent communication
Trustworthy company
Responsive team
Expert guidance
Services
Mortgage Advice
Tailored mortgage solutions for first-time buyers, home movers, and property investors. We access exclusive deals from 90+ lenders to find competitive rates matching your circumstances. Our advisers explain options clearly without jargon, handling applications from initial planning to completion while maintaining transparent communication throughout the process.
Protection Insurance
Personalised protection plans including life insurance, critical illness cover, and income protection. We assess your specific needs to recommend appropriate coverage levels without pressured sales tactics. Our specialists explain policy details clearly and help implement solutions that safeguard your family's financial future or protect business interests against unforeseen events.
Buy-to-Let Mortgages
Specialist landlord mortgage advice for property investors. We connect clients with lenders understanding portfolio financing challenges, offering competitive rates for both novice and experienced landlords. Our service includes portfolio strategy guidance, remortgage opportunities, and tailored solutions for complex income structures common among property investors.
Remortgage Services
Expert remortgage guidance to help clients secure better rates or release equity. We analyse existing mortgage terms, compare market options, and recommend optimal timing for switching. Our support includes valuation assistance, application processing, and negotiation with current lenders to ensure smooth transitions while maximising financial benefits.
New Build Mortgages
Specialised financing solutions for new construction purchases. We navigate developer-specific requirements and strict deadlines, offering advice on deposit structures, warranty periods, and builder incentives. Our team coordinates with developers and solicitors to ensure timely completions while securing competitive rates for modern property acquisitions.
People
Martin
Mortgage Adviser
Experienced mortgage adviser specialising in complex cases, including self-employed clients and property investors. Recognised for exceptional client support through multiple successful property transactions.
Kyle
Mortgage Broker
Dedicated mortgage broker with expertise in London property market dynamics, known for responsive service and strong lender relationships that benefit clients seeking competitive deals.
Donna
Protection Specialist
Protection insurance expert providing clear guidance on life cover and income protection solutions, focusing on client education and needs-based recommendations without sales pressure.
James
Senior Adviser
Senior mortgage adviser with proven track record in helping clients secure optimal deals, particularly for first-time buyers navigating competitive housing markets.
Chris Darcy
Protection Adviser
Specialist protection adviser offering comprehensive insurance solutions, with particular expertise in explaining complex policy details to help clients make informed decisions.
Questions
Do I have to use my bank for a mortgage?
No, as independent brokers we access multiple lenders to find the best fit for your circumstances.
Can you help before I find a property?
Yes, we recommend early advice to understand your budget and borrowing potential before making offers.
What fees do you charge?
Our transparent fees are explained upfront and only paid upon successful mortgage completion.
Do you assist self-employed applicants?
Yes, we specialise in non-standard income cases and structure applications to highlight earning potential.
Is protection insurance mandatory?
No, we only recommend protection when genuinely needed, with clear explanations of policy benefits.
Can I review existing protection policies?
Yes, we offer free policy reviews to assess suitability without obligation to make changes.
