A S Financial

Business Details

Your Trusted Mortgage & Protection Advisors in London

At A S Financial, we prioritise your ambitions with expert mortgage and protection advice rooted in expertise and driven by meaningful relationships. Founded in London, we serve clients across the UK, building lasting connections through clear, personal guidance tailored to your future. Our approach combines deep industry knowledge with practical experience, ensuring advice that simplifies complex financial decisions without overwhelming you. We champion client journeys over transactions, offering support that evolves with your needs.

Our qualified advisers leverage smart technology to streamline processes while maintaining a human touch, ensuring transparency and trust. With a focus on client-first principles, we deliver unbiased advice, staying independent of lender ties to secure solutions aligned with your unique circumstances. Our commitment to excellence is reflected in our recognition as top-tier mortgage brokers and the positive feedback from over 500 satisfied clients.

Services

First-Time Buyer Mortgages Remortgage Solutions Buy-to-Let Advice Life Insurance Income Protection

Highlights and features

We are independent and unbiased, searching the whole market to find the best match for your circumstances.
Our qualified advisers provide expert, jargon-free advice tailored to your unique needs.
Client-first approach with no sales targets or commission incentives.
Transparent fees explained upfront, with payment only upon mortgage completion.
Specialise in non-standard income cases, including self-employed and contractor mortgages.

Associations and certifications

Financial Conduct Authority

What people say

Efficient service Excellent communication Patient and responsive Trustworthy company Helped secure dream home

Website

Update Listing

Services

First-Time Buyer Mortgages

We provide tailored guidance for first-time buyers, simplifying the mortgage process from planning to completion. Our advisers explain options in plain English, handle paperwork, and liaise with lenders to ensure a smooth journey. Clients benefit from jargon-free support and access to exclusive deals across 90+ lenders.

Buy-to-Let Mortgages

Our buy-to-let expertise matches landlords with lenders who understand property investment needs. We offer market insights, portfolio strategies, and competitive rates to help clients expand their investments confidently. The service includes application support and ongoing portfolio reviews.

Life Insurance

We design life insurance policies to safeguard dependents, cover debts, and maintain income security. Our needs-driven approach ensures coverage aligns with personal circumstances, avoiding unnecessary products. Clients receive clear explanations of policy terms and application assistance.

Income Protection

Our income protection plans provide financial stability during illness or incapacity. We tailor policies to individual risk profiles, ensuring adequate coverage without over-insurance. The service includes policy reviews and adjustments as life circumstances change.

Remortgage Solutions

We help clients secure better rates, release equity, or adjust terms through remortgaging. Our whole-of-market approach identifies optimal deals, while advisers guide clients through the process to maximise savings or investment opportunities.

People

Martin

Mortgage Adviser

Specialises in non-standard income cases, helping self-employed clients secure competitive mortgages with clarity and support.

Chris Darcy

Protection Adviser

Provides tailored life and income protection advice, explaining complex policies in accessible terms for homeowners and families.

Questions

Do I have to use my bank for a mortgage?

No. As independent brokers, we search across lenders to find the best fit for your circumstances.

Can you help if I haven't found a property yet?

Yes. Early advice helps establish your budget and borrowing potential before making offers.

How much do your services cost?

Fees are transparent and competitive, explained upfront. Payment occurs only after your mortgage completes.

Do you assist self-employed applicants?

Yes. We specialise in non-standard income cases, structuring applications to highlight your earning potential.

Is protection advice available without a mortgage?

Yes. We offer standalone protection reviews and policies tailored to your life stage and needs.

What if I already have a protection policy?

We'll review your existing cover at no charge and advise if improvements or adjustments are needed.

Reviews (7)

Write a Review

Jess Douglas

Jan 28, 2022 Report

I recently used AS Financial service's to secure a mortgage for my first home. They were diligent, efficient and professional from start to finish they made what could have been a stressful process a simple and straightforward one. I can recommend in particular James Dennett, who was my broker, and Donna Clarke, who handled completion.

Andrea Maugeri

Jan 22, 2022 Report

Positive:Professionalism,Responsiveness,Value
Jim Brough has been brilliant. He is very responsive and professional. We truly recommend AS financial.

David Skinner

Jan 20, 2022 Report

I have used AS Financial for a number of years now - to help advise with financial planning, broker mortgages, and arrange health cover and life insurances. I have found the team there - especially Saul Conway and Esther Francique - to be knowledgable, professional, friendly and helpful. I would strongly recommend AS to anyone seeking financial guidance.

Melissa Conway

Nov 27, 2021 Report

I have used James at AS financial now several times for mortgages and I cannot recommend him highly enough. He knows the market so well, is super professional, efficient and takes the stress and hassle out of the process. The best in the business!

Matt Stevens

Nov 26, 2021 Report

Asher and AS Financial guided us through the process of getting our mortgage. He was very supportive and updated us regularly throughout the process and we cant thank him enough for his support and help. We would highly recommend him to our friends and others.

Jessica Shanks

Oct 10, 2021 Report

I would highly recommend using AS Financial. James Dennett has helped me with 4 mortgages over the past 6 years, from first time buyer to remortgaging to buy-to-let. He is extremely knowledgeable, offers excellent advice relevant to your circumstances, and always makes himself available to help. Any hurdles we've come across have always been overcome with a solution that James has found. The excellent service extends to the rest of the team with Steph Dalziel most recently helping us complete the process with very prompt and informative updates.

Ed K.

Sep 23, 2021 Report

Cameron and Kyle have been amazing throughout our mortgage process. From promptly dealing with all our requests and constant questions, to going above and beyond to get us the right deal, all while keeping a super friendly and positive attitude. Would highly recommend them to anyone especially those doing this for the first time (like us) who need a bit of extra guidance!