Business Details
Your Trusted Mortgage Advisers in Milton Keynes
Access Financial Services is a group of industry-leading finance experts dedicated to putting customers first. With years of experience in the financial sector, we specialise in providing mortgage solutions that cannot be found on the high street, ensuring a tailored approach to meet individual needs. Our team of experts combines market knowledge with a commitment to transparency, offering straightforward advice explained in simple, accessible language. We pride ourselves on our customer service, consistently striving to exceed expectations by staying ahead of industry trends and delivering innovative solutions.Our mission is to empower clients to achieve their financial goals, whether purchasing a first home, remortgaging, or exploring commercial property opportunities. We maintain a strong focus on ethical practices, ensuring all recommendations prioritise the client's best interests while adhering to regulatory standards. Through continuous training and development, our brokers remain at the forefront of the industry, equipped to navigate complex financial landscapes and secure optimal outcomes for our clients.
Services
Mortgages
First Time Buyers
Remortgages
Equity Release
Commercial Mortgages
Protection
Bridging Loans
Development Funding
Investment Properties
Business Protection
Highlights and features
- We offer 15+ years of experience in financial services with a customer-first approach
- We compare hundreds of mortgage deals to find your perfect fit
- Our brokers undergo continuous professional development and training
- We provide transparent advice without technical jargon
- We offer personalised mortgage solutions tailored to unique circumstances
Associations and certifications
- Financial Conduct Authority
What people say
Expert advice
Transparent process
Successful mortgage arrangements
Knowledgeable team
Tailored solutions
Services
Mortgages
We provide comprehensive mortgage solutions for first-time buyers, home movers, and property investors. Our expert brokers compare hundreds of deals across the market to find competitive rates tailored to your financial situation. With access to exclusive offers not available on the high street, we guide clients through every step of the mortgage process, from initial application to completion, ensuring transparency and clarity throughout.
Equity Release
Our equity release specialists help homeowners over 55 access tax-free funds tied up in their property while retaining the right to live there. We explain lifetime mortgage options and home reversion plans with clear illustrations of associated risks and benefits. The process includes personalised consultations to determine suitability, legal guidance, and ongoing support to ensure clients make informed decisions about their later-life financial planning.
Commercial Mortgages
We arrange commercial mortgages for businesses seeking property financing across various sectors. Our services cover owner-occupied premises, investment properties, and development projects. With access to specialist lenders, we provide tailored solutions for short-term bridging loans, long-term commercial mortgages, and unsecured business financing, ensuring competitive terms that align with clients' operational needs and growth strategies.
Protection
We offer comprehensive protection products including life insurance, critical illness cover, and income protection policies. Our advisers assess individual needs to recommend appropriate coverage levels that safeguard families and businesses against unforeseen circumstances. We provide ongoing policy reviews and support with claims assistance, ensuring clients maintain adequate protection throughout different life stages and business cycles.
Bridging Loans
Our bridging loan specialists facilitate quick access to short-term financing for property transactions requiring urgent completion. We work with specialist lenders to provide flexible solutions for property purchases, auctions, and development projects. The service includes rapid application processing, transparent fee structures, and exit strategy planning to ensure clients meet their financial obligations within the required timeframe.
People
Karl Wilkinson
Founder
With 15 years of financial services experience, Karl established Access Financial Services to provide transparent mortgage advice and train new industry professionals. He combines industry expertise with a commitment to exceptional customer service.
Questions
What mortgage options are available for first-time buyers?
We offer competitive first-time buyer mortgages with low deposit requirements, including government-backed schemes and exclusive deals not available on the high street.
How does equity release affect inheritance?
Equity release reduces the value of your estate, but we provide detailed illustrations showing potential impacts and discuss inheritance protection options during consultations.
Can I get a mortgage with poor credit history?
Yes, we work with specialist lenders offering mortgages for applicants with adverse credit histories, assessing each case individually to find suitable solutions.
What commercial mortgage options exist for property developers?
We arrange development finance, short-term bridging loans, and investment property mortgages with lenders specialising in construction and redevelopment projects.
How do protection policies work with mortgage arrangements?
We recommend appropriate protection levels to cover mortgage payments during illness, unemployment, or critical illness, ensuring financial security for your property investment.
What fees are involved in mortgage arrangements?
Our fees include transparent arrangement charges and valuation fees, with all costs disclosed upfront before proceeding with your mortgage application.
Reviews (1)
Cihan Gursoy
Nov 07, 2021
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I have recommended Andy Panayi to friends and family, who after being left extremely happy with him, have all thanked me for the introduction. What I like most about Andy is that when faced with complications with a mortgage application, he always seeks a viable solution or set of alternative options to present the customer with - this is not something others always do. His knowledge and awareness of the market seems to give him a competitive edge. I have never been required to tell or provide Andy with the same information twice, he is extremely good at capturing his clients' individual position
