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.

A lot of people wait until their fixed rate is almost finished before thinking about the next mortgage. That can create ...
25/09/2026

A lot of people wait until their fixed rate is almost finished before thinking about the next mortgage. That can create unnecessary pressure and, in some cases, leave fewer options.

Depending on the lender and product, it may be possible to secure a new deal several months before your existing one ends. And if the market changes before your new deal starts, there may still be opportunities to review what is available.

If your mortgage ends within the next six months, it's worth having a conversation now.

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

Thinking about moving before Christmas?It's tempting to begin with the exciting part: browsing homes, booking viewings a...
23/09/2026

Thinking about moving before Christmas?

It's tempting to begin with the exciting part: browsing homes, booking viewings and picturing where the Christmas tree might go.

But a little preparation first can make the whole process much easier. Before you seriously start viewing, understand:

✅ What you may be able to borrow
✅ What monthly payment is comfortable for you
✅ The deposit you have available
✅ Solicitor, survey and moving costs
✅ Whether an Agreement in Principle would strengthen your position

This gives you a realistic search range and means you can act with more confidence if you find the right home.

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

Interest rates have been held at 3.75% again.Last week, the Bank of England voted to keep Bank Rate unchanged, but there...
21/09/2026

Interest rates have been held at 3.75% again.

Last week, the Bank of England voted to keep Bank Rate unchanged, but there was an interesting detail behind the headline.

Six members voted to hold rates at 3.75%, while three wanted to increase them to 4%.

Why?
Inflation remains above the Bank's 2% target, with rising energy costs adding further pressure. So while rates haven't moved this time, the conversation around where they go next has changed.

For mortgage borrowers, it's important NOT to assume that a Bank Rate hold means mortgage rates will simply stay where they are.

Lenders price their products based on a range of factors, including expectations about future interest rates, funding costs and what's happening across the wider economy.

If you're buying, moving or approaching the end of a fixed mortgage deal, now is a good time to understand what's actually available to you rather than waiting for the next Bank of England announcement.

We're always happy to talk through your options.

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

Inflation rose to 2.9% in the 12 months up to July. So what does that have to do with your mortgage plans?Quite a lot, p...
15/09/2026

Inflation rose to 2.9% in the 12 months up to July. So what does that have to do with your mortgage plans?

Quite a lot, potentially.

Higher everyday costs affect household budgets, while inflation also influences how the Bank of England approaches interest rates. Both can feed into mortgage affordability and lender pricing.

For anyone planning to buy or remortgage, this is why looking at the monthly payment alone is not enough. It's worth thinking about:
✅ Energy and household bills
✅ Food and transport costs
✅ Existing credit commitments
✅ How much breathing room you want each month
✅ Whether your budget could absorb future changes

If you're reviewing your borrowing, we can help you look at everything:

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

Bank Rate is 3.75%. That doesn't mean your mortgage rate is 3.75%.It's an easy assumption to make, especially when Bank ...
10/09/2026

Bank Rate is 3.75%. That doesn't mean your mortgage rate is 3.75%.

It's an easy assumption to make, especially when Bank of England decisions dominate the headlines.

But lenders price fixed mortgages using a much wider set of factors, including expectations about where interest rates may go next, their own funding costs and competition across the mortgage market.

That's why mortgage rates can sometimes fall before Bank Rate is cut, or rise even when the Bank of England leaves rates unchanged.

For borrowers, the important thing is not to make a decision based on one headline number: Look at the products available to you, the monthly cost, the fees involved and how the mortgage fits your plans.

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

September is when a lot of property plans start getting serious.The summer is over, routines are returning and, for many...
08/09/2026

September is when a lot of property plans start getting serious.

The summer is over, routines are returning and, for many people, thoughts turn back to buying, moving or finally getting that mortgage plan underway.

If that sounds like you, start with the numbers before the property search.

It's worth understanding:
✅ How much you may be able to borrow
✅ What monthly payment feels comfortable
✅ How much deposit you will need
✅ The other costs involved in buying
✅ Whether there is anything in your finances that needs attention first

When the right property appears, it's good to know what's realistic and what your next step should be.

If buying or moving is on your autumn list, get in touch

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

Buying a home with a partner, family member, friend or business partner can make homeownership more achievable, but ther...
04/09/2026

Buying a home with a partner, family member, friend or business partner can make homeownership more achievable, but there are several things to think about before you apply for a joint mortgage.

It's worth discussing:
- How you'll split the deposit
- Who will contribute towards the mortgage and household costs
- How you'll own the property
- What happens if one person wants to sell
- Whether your individual financial circumstances could affect the application

It's also important to understand that with a joint mortgage, you're generally responsible for the mortgage together. If one person can't make their contribution, the other borrower may still be responsible for the full payment.

Your mortgage is a long-term financial commitment, so having an open conversation about the practical and financial side of buying together is important.

If you're thinking about buying with someone else and would like to talk through your options, get in touch:

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

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When you apply for a mortgage, lenders look at much more than your salary.They want to understand your overall financial...
27/08/2026

When you apply for a mortgage, lenders look at much more than your salary.

They want to understand your overall financial position and whether the mortgage is affordable for you, both now and in the future.

Things that may be considered include:
☑️ Your income and how it's earned
☑️ Regular household spending
☑️ Existing loans and credit commitments
☑️ Your deposit
☑️ Credit history
☑️ Employment and income stability
☑️ The term and size of the mortgage you're applying for

This is why two people earning the same salary can sometimes have very different borrowing options.

And if your income or circumstances are more complex, choosing the right lender can become even more important. Different lenders have different criteria for assessing income, affordability and financial commitments.

If you're thinking about applying for a mortgage and want to understand where you stand, get in touch.

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

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Your mortgage options don't necessarily end at retirement.New figures from UK Finance show that later-life lending is co...
26/08/2026

Your mortgage options don't necessarily end at retirement.

New figures from UK Finance show that later-life lending is continuing to grow.

In Q2 2026, 37,300 new loans were advanced to older borrowers, an increase of 13.4% compared with the same period last year. The total value of lending reached £6.2 billion.

For homeowners approaching or already in retirement, this highlights an important point: there isn't necessarily a one-size-fits-all approach to borrowing later in life.

Depending on your circumstances, options could include:
- A traditional mortgage
- Retirement interest-only (RIO) lending
- Lifetime mortgages
- Other later-life lending solutions

The most suitable option will depend on factors such as your age, income, property value, existing mortgage and future plans.

It's also important not to assume that equity release is automatically the answer. Different solutions have different implications for your repayments, estate and long-term finances.

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

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Why an Agreement in Principle (AIP) could be a useful first step.Before you start viewing properties and working out wha...
24/08/2026

Why an Agreement in Principle (AIP) could be a useful first step.

Before you start viewing properties and working out what you can afford, it helps to understand your potential borrowing position.

An Agreement in Principle (AIP) gives you an indication of how much a lender may be prepared to lend, based on the information provided about your circumstances.

The process typically involves:
1. Understanding your income, outgoings and deposit
2. Identifying lenders whose criteria may suit you
3. Applying for an AIP
4. Using the result to help establish a realistic property budget

An AIP can also demonstrate to estate agents and sellers that you're serious about buying.

It's important to remember that an AIP isn't a mortgage offer or guarantee. A full application and further checks will still be required before a mortgage can be approved.

As whole-of-market mortgage brokers, we can help you understand your options and find an appropriate lender for your circumstances.

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

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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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