Business Details
14 Years
experience
Expert Financial Advisers in Cardiff
AS Financial Solutions was established in 2012 to provide tailored financial advisory services, specialising in secured lending solutions. We act as intermediaries between financial advisors, brokers, and lenders, offering a personalised approach to securing commercial mortgages, buy-to-let mortgages, and second charge loans. Our team leverages extensive industry experience to assess client needs and negotiate directly with lenders, ensuring competitive terms and transparent processes. Regulated by the Financial Conduct Authority, we prioritise fair treatment of customers, rigorous staff training, and adherence to strict data protection standards.Our service commitment includes real-time case tracking, clear communication, and a focus on recommending products that align with clients' financial circumstances. We operate with full transparency regarding commission structures, fees, and affordability assessments, ensuring clients understand all risks associated with secured lending. Our expertise extends to debt consolidation advice, with clear warnings about the implications of securing unsecured debts against property. With offices in Cardiff, we serve clients nationwide while maintaining a client-centric approach that avoids automated systems in favour of direct human interaction.
Services
Secured Homeowner Loans
Commercial Mortgages
Buy-to-Let Mortgages
Second Charge Mortgages
Debt Consolidation
Details
- Year established: 2012
Highlights and features
- We are regulated by the Financial Conduct Authority for consumer protection
- We provide personalised loan recommendations instead of automated systems
- Our team has over 10 years' experience in secured lending solutions
- We offer transparent commission structures and fee disclosures
- We track cases in real time with regular client updates
Associations and certifications
- Financial Conduct Authority
Services
Secured Homeowner Loans
We arrange long-term secured loans using property as collateral. These loans offer lower interest rates than unsecured options but require careful affordability assessment. Our process includes valuation surveys and transparent risk disclosures about potential repossession. Clients receive tailored advice based on their financial circumstances.
Commercial Mortgages
Specialist commercial property financing solutions for businesses. We connect clients with lenders offering competitive rates for purchasing or refinancing commercial properties. Our service includes market analysis, affordability checks, and negotiation of favourable terms tailored to business needs.
Buy-to-Let Mortgages
Mortgage solutions for property investors seeking rental income. We source lenders with competitive rates for buy-to-let properties, considering factors like expected rental yields and client financial profiles. Our advice includes tax implications and long-term investment considerations.
Second Charge Mortgages
Additional secured loans against property equity. We help clients access funds while maintaining their primary mortgage. Our service includes risk assessments about cumulative debt obligations and transparent disclosures about total repayment costs.
Debt Consolidation
Combining multiple debts into single secured loans. We assess suitability for converting unsecured debts into property-secured loans, with clear warnings about associated risks. Our process includes affordability analysis and long-term financial impact assessments.
Questions
What types of loans do you offer?
We specialise in secured loans including commercial mortgages, buy-to-let mortgages, second charge mortgages, and debt consolidation loans secured against property.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA No: 729301) for consumer protection in financial services.
How much can I borrow?
Loan amounts depend on property equity and affordability assessments. We offer secured loans from £20,000 up to £5,000,000 with repayment terms between 3 and 30 years.
What fees apply to your services?
We charge a broker fee of 6% of the loan amount (min £995, max £5,000), plus lender fees and valuation charges. All costs are disclosed before proceeding.
What happens if my application is rejected?
Lenders may decline applications without explanation, but we'll help understand credit report factors. You can contact credit reference agencies for detailed information about your credit file.
How long does the loan process take?
We aim to make recommendations within 2 working days of receiving complete documentation, with real-time case tracking throughout the application process.
