About aFinancial, mortgages made simple
First-time buyers, home movers, landlords and applicants with complex finances can use aFinancial, mortgages made simple for tailored mortgage and protection advice. The service covers repayment mortgages, buy-to-let and moving home, alongside mortgage protection, life cover and income protection. It also provides mortgage tools and personalised illustrations.
The advisers assess each client’s circumstances and explain options in plain English, including what protection may be useful and what cover may already exist through work or older policies. Complex cases such as portfolio landlords or complicated income and debt profiles are priced according to the work involved. Commission may reduce the fee, and the stated fee range is from £0 to £1,499. Support can continue from application through completion.
Before you choose aFinancial, mortgages made simple
5.0 on average from 177 reviews
In its favour
- Plain-English advice
- Complex-case pricing
- Mortgage protection review
Worth asking about
- Fees range from £0 to £1,499 depending on the case
Typical client: Buyers needing tailored mortgage and protection guidance
Specialties
Also works on: first-time buyers
Key facts
- Type
- Mortgage broker
- Rating
- 5.0 on average from 177 reviews
Prices
Prices published on its website, checked on 31 October 2026.
- Standard advice fee£1,499
- Complex mortgage advice£799
- Highly complex mortgage advice£1,199
Featured in
Questions and answers
How quickly can a Decision in Principle be arranged?
They can typically arrange a Decision in Principle within 24 to 48 hours. It gives buyers a realistic budget and does not commit them to taking out the mortgage.
How long does the mortgage process take?
The initial consultation usually takes 30 to 60 minutes, with a Decision in Principle the same day to 48 hours later. Completion generally takes eight to twelve weeks from offer acceptance.
How much does mortgage advice cost?
The standard advice fee is £1,499. Complex mortgage advice costs £799 and highly complex advice costs £1,199. If the lender pays less than £1,499, the client pays only the difference.
Can self-employed people get a mortgage?
Yes. They typically need two to three years of accounts or SA302 tax returns, proof of ongoing work, business bank statements and evidence of their deposit.
Can friends or family apply for a joint mortgage?
Yes. Applications can include up to four people, although most lenders prefer two. All applicants’ incomes, debts and commitments are considered, and everyone is liable for the full mortgage amount.
