We understand what makes a good mortgage deal.
We look beyond the headline rate and consider the overall cost of your mortgage, including fees, incentives, and flexibility.
Stress-Free Home Buying Experience
Our Mortgage Advisers Prioritise You. Not the Vendor. Not The Bank. You!
Get StartedMortgage Advice That's Just For You!
Our Mortgage Advisers expect to be dealing with you for 30 years or more. We want to help you today and tomorrow.
With that kind of trust, you will want to refer us to your friends and family, sharing the wealth of knowledge you will gain from working with aFinancial.
David Golt
CeFA CF6
Mortgage Manager
0203 770 8800
Tala Maleki
LLB CeMAP
Senior Partner
0121 296 2518
Hassan Alam
CeMAP
Senior Mortgage and Protection Expert
0121 296 2518
Andrew Quinton-Jones
Mortgage & Insurance Expert
0758 002 7834
Joseph Murdoch
Mortgage & Insurance Expert
0121 296 2518
Michael Averill
Administration & New Business Development
0121 296 2518
Most Buy To Let Mortgages are not regulated by the Financial Conduct Authority.
aFinancial provides expert mortgage, protection and insurance advice. aFinancial is not a business in its own right, it is a trading name of Maryam Tala Maleki (FRN 509611) which is an appointed representative of the Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
We Earn Your Trust by Ensuring Your Purchase Is Right for You
Mortgage Advice Services
Clear support across standard, complex, and highly complex mortgage cases. We’ll explain the most suitable route for your circumstances and confirm any fees before you choose to proceed.
Fee-Free Mortgage Advice
£0
Receive a decision in principle you can show to the estate agent.
Get help and guidance on making an offer on a property.
Free Hometrack Home Valuation to ensure the right asking price.
Get started
Popular
Standard Advice Fee
£1,499
Our standard advice fee is £1,499.
In many cases, the lender can pay most, if not all, of this fee directly.
If the lender pays less than £1,499, you’ll only pay the difference, nothing more.
We’ll always be clear about any fees before you choose to proceed.
If we can’t arrange a suitable mortgage for your circumstances, you won’t pay an advice fee.
Get startedComplex Mortgage Advice
£799
Handled by senior advisers experienced in complex cases where the application falls outside standard lending criteria.
Suitable if your situation involves added complexity but doesn’t require specialist lenders.
You’ll get:
- An experienced adviser managing your case.
- Lender matching based on your circumstances.
- Clear guidance on affordability and structure.
- Support from application through to completion.
We’ll confirm any fees before you choose to proceed.
And if we can’t arrange a suitable mortgage for you, there’s no advice fee to pay.
Get startedHighly Complex Mortgage Advice
£1,199
For cases that require specialist lenders and advanced underwriting expertise.
Ideal for complex investments, adverse credit histories, foreign nationals, portfolio landlords, limited companies, and unusual income structures.
You’ll get:
- Our most experienced adviser.
- Access to specialist lenders who consider complex circumstances.
- Tailored structuring for complex income and assets.
- End-to-end case management and specialist packaging.
We’ll confirm any fees before you choose to proceed.
And if we can’t arrange a suitable mortgage for you, there’s no advice fee to pay.
Get startedWhat counts as a complex mortgage?
Our advisers regularly help clients with:
- Self-employed income.
- Contractor and day-rate contractor income.
- Buy-to-let investments.
- Interest-only mortgages.
- Multiple income sources.
- Foreign nationality.
- Non-standard property types.
What counts as highly complex?
You may need a specialist adviser if your case involves:
- Adverse or poor credit history.
- Foreign address history or overseas income.
- Portfolio landlord structures.
- Limited company borrowing.
- Large or complex property portfolios.
- Specialist or unusual lender criteria.
Experience Fast, Hassle-Free Mortgage Services with aFinancial
Hate waiting? So do we! With aFinancial, there's no need to wait for the bank or other brokers. Our process is handled entirely over the phone, and all documents are sent via email. Contact us today for a quick and straightforward mortgage consultation.
Mortgage Advice You Can Trust
Our team of experienced advisors offers tailored mortgage, protection, and insurance advice to meet your needs, always prioritising your interests over those of the vendor.
Help with Negotiating the Right Price
Unsure about the property's value? No problem. Every purchase includes our free HomeTrack automated survey, ensuring you have an accurate and reliable property valuation.
Faster Approvals Than Going Direct
Avoid delays with our streamlined application process. Receive a preliminary approval in just 30 minutes. Whether you’re a first-time buyer or looking to remortgage, we make securing your mortgage fast and hassle-free.
Lenders available through the Openwork panel
Through The Openwork Partnership we can arrange mortgages from the lenders below (list dated August 2026). Which lenders suit you depends on your circumstances and each lender's criteria.
Lenders we deal with directly
- Accord Mortgages
- Aldermore
- April Mortgages
- Bank of Ireland
- Barclays
- BM Solutions
- Clydesdale
- Coutts
- Coventry Building Society
- Danske Bank
- Fleet Mortgages
- Foundation Home Loans
- Generation Home
- Halifax
- Hodge Lifetime
- HSBC
- Investec
- Kensington Mortgages
- Landbay
- Leeds Building Society
- Metro Bank
- Nationwide Building Society
- NatWest
- Newcastle Building Society
- Nottingham Building Society
- Paragon Mortgages
- Pepper Money
- Perenna Mortgages
- Precise
- Principality Building Society
- Progressive Building Society
- Rely
- Saffron Building Society
- Santander
- Scottish Building Society
- Scottish Widows Bank
- Skipton Building Society
- The Co-operative Bank for Intermediaries
- The Mortgage Lender (TML)
- The Mortgage Works
- TSB
- Vida Homeloans
- Virgin Money
- West Brom for Intermediaries
- West One
- Zephyr Homeloans
Also available through specialist packagers
- Afin Bank
- Axis Bank
- Bath Building Society
- Bluestone Mortgages
- Castle Trust
- Central Trust
- Chorley Building Society
- Dudley Building Society
- Earl Shilton Building Society
- Family Building Society
- Gatehouse Bank
- Hampshire Trust Bank
- Harpenden Building Society
- Interbay
- Keystone
- Lendinvest
- Mansfield Building Society
- Marsden Building Society
- Masthaven Bank
- Melton Mowbray Building Society
- Moda Mortgages
- Monmouthshire Building Society
- Newbury Building Society
- Octopus
- Pepper Homeloans
- Shawbrook Bank
- Skipton International
- Tipton Building Society
- Together Mortgages
- United Trust Bank
Full lender list from The Openwork Partnership (PDF, August 2026)
Trusted by clients. Backed by recognised standards.
Advice from a brand you can trust.
A mortgage is likely to be your biggest monthly expense. Even small differences in rates and fees can add up over time, which is why getting the right advice matters.
We understand lender criteria.
Every lender assesses applications differently. Our experience helps us identify lenders that may suit your circumstances, subject to lender criteria and approval.
We work for you.
Estate agents act for the seller. We act for you. We coordinate with lenders, solicitors, surveyors, and estate agents to help keep your application moving smoothly.
We use technology to speed up the process.
Our systems help us research suitable options efficiently. In many cases, we can prepare and send your paperwork on the same day.
Surveying and conveyancing are not regulated by the Financial Conduct Authority. Conveyancing is by introduction only. Surveying is not part of The Openwork Partnership offering and is offered in our own right. The Openwork Partnership accepts no responsibility for this aspect of our business.