Business Details
22 Years
experience
Trusted Mortgage Brokers in Birmingham
aFinancial has been delivering expert mortgage and financial advice since 2004, combining over two decades of industry experience with innovative approaches to client service. Founded by Tala Maleki and David Golt, our team prioritises client needs above all else, offering tailored mortgage, protection, and insurance solutions designed to meet individual circumstances. Our advisors specialise in navigating complex mortgage scenarios, including buy-to-let investments, adverse credit situations, and self-employed income structures, while leveraging advanced technology to streamline the application process. Regulated by the Financial Conduct Authority, we maintain strict compliance standards and transparency, ensuring clients receive fair, ethical guidance.With a focus on long-term relationships, we provide ongoing support throughout the mortgage lifecycle, from initial advice to property completion. Our commitment to excellence extends to nurturing future financial professionals through apprenticeship programs, ensuring our service remains both future-ready and client-centric. Every aspect of our operationfrom fee-free initial consultations to 30-minute preliminary approvalsis designed to deliver stress-free, efficient outcomes that prioritise client satisfaction and trust.
Services
Mortgage Advice
Protection Insurance
Buy-to-Let Mortgages
First-Time Buyers
Home Movers
Mortgage Calculators
Automated Valuations
Conveyancing
Surveys
Insurance Applications
Details
- Year established: 2004
Highlights and features
- We offer fee-free initial mortgage advice with no obligation.
- Our advisors have over 20 years of experience in complex mortgage cases.
- We use advanced technology to secure preliminary approvals in 30 minutes.
- We act solely in your interest, not the vendor's or lender's.
- We provide tailored mortgage solutions for self-employed individuals and investors.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Smooth process
Excellent work
Quick approvals
Helpful team
Services
Mortgage Advice
Our tailored mortgage advice service helps clients secure competitive deals suited to their financial circumstances. We specialise in first-time buyer mortgages, remortgaging, and complex cases involving adverse credit or self-employment. With access to a comprehensive panel of lenders, we ensure clients receive impartial recommendations prioritising long-term affordability over short-term gains.
Buy-to-Let Mortgages
We provide expert guidance on buy-to-let mortgages for portfolio landlords and individual investors. Our advisors navigate niche lender products, portfolio structuring, and tax-efficient strategies while ensuring compliance with regulatory requirements. This service caters to both experienced property investors and those entering the market for the first time.
Complex Mortgage Advice
Designed for challenging cases, this service addresses adverse credit histories, limited company structures, and high-net-worth portfolios. Our experienced brokers leverage relationships with specialist lenders to secure approvals where traditional applications might fail, maintaining strict affordability assessments throughout the process.
Protection Insurance
We offer tailored protection insurance solutions including life cover, critical illness, and income protection. These products safeguard clients against unforeseen circumstances affecting mortgage repayments, with policies customised to individual risk profiles and family circumstances while ensuring clear terms and competitive premiums.
First-Time Buyer Support
This service simplifies property purchases for first-time buyers through step-by-step guidance on affordability, government schemes, and deposit requirements. We coordinate surveys, conveyancing, and lender communications while explaining technical aspects in accessible terms, ensuring clients feel confident throughout the buying process.
People
David Golt
Senior Partner
With over two decades of mortgage expertise, David specialises in complex cases and portfolio management. He co-founded aFinancial in 2004, leveraging his experience to deliver tailored solutions for challenging mortgage scenarios while mentoring junior advisors.
Tala Maleki
Senior Partner
A qualified solicitor with over 10 years at HSBC, Tala established aFinancial in 2009. She provides strategic leadership and direct client support, combining legal expertise with financial services knowledge to ensure regulatory compliance and client protection.
Hassan Alam
Mortgage & Insurance Expert
Qualified through aFinancial's apprenticeship program, Hassan offers specialist advice on mortgages and protection products. With over a decade of service, he combines technical expertise with client-focused communication to deliver clear, actionable recommendations.
Andrew Quinton-Jones
Mortgage Expert
An apprentice-turned-qualified advisor, Andrew provides bespoke mortgage solutions and insurance guidance. His approach focuses on long-term client relationships, ensuring clients understand all aspects of their mortgage commitments and protection needs.
Michael Averill
Mortgage Protection Advisor
A rising star in our team, Michael specialises in mortgage protection products. Since joining in 2023, he has developed expertise in life insurance and critical illness cover, ensuring clients' financial security aligns with their mortgage obligations.
Questions
Do you charge fees for mortgage advice?
We offer fee-free initial advice. Complex cases incur fees of £799 or £1,199, payable only upon successful mortgage completion.
Can you help with bad credit mortgages?
Yes, our advisors specialise in adverse credit cases, leveraging relationships with niche lenders to secure competitive mortgage options.
How quickly can you approve a mortgage?
We typically provide preliminary approval within 30 minutes and complete full applications faster than direct lender submissions.
Do you offer protection insurance?
Yes, we provide tailored life cover, critical illness, and income protection policies to safeguard mortgage commitments against unforeseen events.
Can first-time buyers use your services?
Absolutely. We guide first-time buyers through every step, explaining government schemes, affordability assessments, and application processes clearly.
Are your mortgage deals regulated?
Most residential mortgages are FCA-regulated. Buy-to-let mortgages may not be regulated, with clear disclosures provided upfront.
Reviews (5)
Rafal Wanowicz
Nov 05, 2021
Report
Great service from Hassan and Timothy. They have guided us through the whole process and provided us with excellent advice. Thanks to them the whole process has been very smooth and quick. We are very thankful for their support and time spent explaining to us the whole buying process. They are very responsive and friendly. I would highly recommend them to all first-time buyers and anyone who seek professional service.
Jack Zhang
Oct 15, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Excellent service, professional. Hassan is very hepful, always responsive quickly. Would use aFinancial again and definiately recommend them to my friends.
Excellent service, professional. Hassan is very hepful, always responsive quickly. Would use aFinancial again and definiately recommend them to my friends.
Khadijah A.
Aug 27, 2021
Report
Excellent service from Hassan. We managed to get our first home in about 2 months through him. He even stepped in and helped out with issues from sellers estate agent and with our solicitors. I eventually had direct contact with the seller and so we were both eager for completion date and everyone delivered on the set date. Fantastic service.
Tan M.
Jul 28, 2021
Report
Positive:Professionalism
We have been with David and Hassan for many years. They have been really helpful, but the most important thing is that in the end they always manage to give you the mortgage offer with the detailed explanation of every step during the process. Highly recommend it.
We have been with David and Hassan for many years. They have been really helpful, but the most important thing is that in the end they always manage to give you the mortgage offer with the detailed explanation of every step during the process. Highly recommend it.
Cameron O'Connell
Jul 25, 2021
Report
Positive:Responsiveness
Called them up, sorted my mortgage, moved into my house within 6 weeks of viewing it. no problems, just solutions!
Called them up, sorted my mortgage, moved into my house within 6 weeks of viewing it. no problems, just solutions!
