Asset Mortgage Solutions

Asset Mortgage Solutions Our company was founded to specialise in advising you in relation to your mortgage and associated protection needs.

"We help you find the right mortgage"

We're independent mortgage advisors who have access to over 10,000 mortgage deals with hundreds of lenders.

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We’re proud to be rated 5/5 on Google We are not owned by a bank, building society or insurance company; we work solely for you. Our objective is to provide a friendly professional advice service tailored to your specific mortgage needs. You can

visit a branch or arrange for an advisor to visit you in the comfort of your own home, alternatively we can complete the whole transaction over the telephone and take care of the paperwork for you. We take pride in providing high standards of customer service and refuse to employ high-pressure sales methods that occur far too frequently. We believe a customer should have time to consider important financial decisions and encourage you to take as much time as you require.

Buying a new build property can feel very different to purchasing an existing home, and the mortgage process can be diff...
26/05/2026

Buying a new build property can feel very different to purchasing an existing home, and the mortgage process can be different too.

Many buyers are surprised to learn that new build mortgages often come with additional considerations, including:
- Developer deadlines and reservation periods
- Mortgage offer expiry dates if the build is delayed
- Different lender criteria for new build properties
- Deposit requirements that can vary between houses and flats
- Incentives offered by developers that may affect the application

Because of this, timing and preparation become especially important when buying a new build. It’s important to work with a lender that is comfortable with the specific property and development you’re buying on.

New build purchases can run very smoothly with the right planning and guidance in place from the start.

If you’re considering a new build property and would like to understand your mortgage options, we’re always happy to help.

Arranging a mortgage can feel overwhelming, especially when there are so many options and moving parts to consider.That'...
22/05/2026

Arranging a mortgage can feel overwhelming, especially when there are so many options and moving parts to consider.

That's why clear communication, proactive support and straightforward advice can make such a difference throughout the process.

We're grateful to Hannah for taking the time to share her experience. Helping client feel informed, supported and confident throughout their mortgage journey is always the priority.

If you'd like to discuss your mortgage options or future plans, we're always happy to have a no-obligation conversation.

The Bank seems to be adopting a “wait and see” approach.While holding rates may offer some short-term stability, inflati...
20/05/2026

The Bank seems to be adopting a “wait and see” approach.

While holding rates may offer some short-term stability, inflation is still above the Bank's target and global economic uncertainty continues to put pressure on financial markets.

For mortgage borrowers, it's important to remember that lenders don't base mortgage pricing solely on the Bank of England decision. Mortgage rates are also influenced by inflation expectations, swap rates and wider market confidence.

This means mortgage rates can still move, even when the base rate stays the same.

Rather than trying to predict every market movements, the most important thing is understanding your own position and reviewing your options regularly.

If you'd like to review your mortgage or discuss future plans, get in touch.
Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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A 95% mortgage allows you to buy a property with a 5% deposit, with the lender covering the remaining 95%.This type of m...
15/05/2026

A 95% mortgage allows you to buy a property with a 5% deposit, with the lender covering the remaining 95%.

This type of mortgage can be helpful for those looking to get onto the property ladder sooner, particularly first-time buyers who may not yet have a large deposit saved.

However, lenders will still carry out full affordability checks, looking at:
- Your income and employment stability
- Monthly commitments and existing credit
- Your overall financial position
- Credit history

It’s also worth noting that 95% mortgages can sometimes come with:
- Higher interest rates compared to lower loan-to-value options
- Fewer product choices from lenders
- Stricter affordability assessments

That said, they remain a viable option for many buyers when used appropriately and with the right guidance. Understanding what you could realistically borrow and what lenders may offer is an important first step before starting your property search.

If you’d like to explore your options, we’re happy to talk it through with you.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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14/05/2026

Halifax are launching a £5k deposit mortgage!

What’s new?

On Monday 18 May we will be launching a new low deposit mortgage scheme for First time buyers (FTB) who have saved a personal deposit of a minimum £5,000.

We know getting a deposit together is one of the main barriers for First time buyers looking to get onto the housing ladder, and by lowering the deposit required we will support more customers buying their first home.


Key details

• Only one customer on a joint application has to be a FTB (key the FTB as first applicant)

• Up to a maximum purchase price of £300,000

• £5,000 minimum personal deposit which cannot be gifted. Proof of deposit may be required

• Employed and self-employed customers; no minimum income level

• 5 year fixed rate product, with a £0 product fee available above 95% to 98.34% LTV

With summer approaching, many buyers start to become more active in the property market.But the most prepared buyers are...
12/05/2026

With summer approaching, many buyers start to become more active in the property market.

But the most prepared buyers are already getting organised now.

Starting early allows you to:
☑️ Understand your borrowing position
☑️ Get your Agreement in Principle in place
☑️ Review your budget and monthly affordability
☑️ Move quickly when the right property comes up

In a competitive market, timing matters, but preparation matters more.

Getting everything in place ahead of time can make the process smoother and far less stressful.

If you're buying this year, get in touch

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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The Bank of England has chosen to keep the base rate unchanged following its latest announcement.While this may not feel...
06/05/2026

The Bank of England has chosen to keep the base rate unchanged following its latest announcement.

While this may not feel like major news, it’s an important signal for borrowers and homeowners.

Holding the rate suggests a cautious approach as inflation and wider economic pressures continue to settle.

For mortgages, this typically means:
- Lenders are less likely to make sudden changes
- Rates may stabilise rather than shift quickly
- Market confidence can gradually improve

It’s important to remember that mortgage rates don’t always move in line with the base rate immediately.

They are also influenced by market expectations and future outlook.

If you’re considering buying or reviewing your mortgage, understanding your options in the current market is key.

Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

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Do you know how much you could actually borrow right now?Many people are surprised to learn that borrowing power is not ...
30/04/2026

Do you know how much you could actually borrow right now?

Many people are surprised to learn that borrowing power is not just based on income alone. Lenders take a wider view of your finances, including:
- Your income and employment type
- Monthly commitments and existing debts
- Credit history and financial behaviour
- Deposit size and overall affordability

Because different lenders assess these factors in slightly different ways, two people in similar situations can sometimes receive very different borrowing amounts.

This is why getting a clear understanding of your position early on can be so helpful. It allows you to plan properly, focus your search, and avoid disappointment further down the line.

An agreement in principle can also give you a clearer idea of your budget before you start viewing properties.

If you’d like to understand what you could borrow, drop us a message:
Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

When economic headlines feel uncertain, it’s natural to feel cautious. But mortgage decisions are not made based on head...
28/04/2026

When economic headlines feel uncertain, it’s natural to feel cautious. But mortgage decisions are not made based on headlines alone.

Over time, we’ve seen markets go through periods of:
- Financial instability
- Rising and falling interest rates
- Political and global uncertainty
- Changes in inflation and lending conditions

Despite this, people have continued to buy homes, move property and refinance successfully.

The key point is that mortgage decisions are based on your personal circumstances, not short-term economic news. Lenders assess your income, commitments, credit history and deposit, not the day’s headlines.

This is why having a clear understanding of your position and reviewing your options regularly can make such a difference. It helps you make informed decisions rather than reactive ones.

If you’re unsure how current conditions may affect your plans, get in touch:
Asset Mortgage Solutions
📞 0330 056 5778
📧 [email protected]
🌐 assetmortgagesolutions.co.uk

With ongoing economic uncertainty, many borrowers are weighing up fixed versus variable mortgages.A fixed rate offers st...
23/04/2026

With ongoing economic uncertainty, many borrowers are weighing up fixed versus variable mortgages.

A fixed rate offers stability and predictable payments.
A variable rate can offer flexibility and potential savings if rates change.

The right option depends on:
- Your financial position
- Your appetite for risk
- Your long-term plans
- How much certainty you want in your monthly payments

The key is choosing what works for you, not just what the market is doing.

If you’re deciding between options, we can talk through the pros and cons in detail.

In the current economic climate, lenders are taking a more detailed look at affordability.You may notice:- More detailed...
21/04/2026

In the current economic climate, lenders are taking a more detailed look at affordability.

You may notice:
- More detailed income and expenditure checks
- Stress testing against higher interest rates
- Closer review of credit commitments

While this can feel more thorough, it ultimately helps protect borrowers from overstretching.

Understanding how lenders assess affordability can help you prepare and improve your chances of approval. If you’re unsure where you stand, we can guide you through the process before you apply.

Address

Studio C Treowen House, Llanover Business Centre
Abergavenny
NP79HA

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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