Mortgage advice that fits your whole financial picture
Whole-of-market mortgage advice from Letchworth — built into your financial plan, not bolted on afterwards.
Most mortgage brokers find you a rate and move on. Albon Financial Planning mortgage advisers work within the same firm as your financial planner, so your mortgage is considered alongside your pension, protection, cashflow, and long-term goals. That joined-up approach is what separates advice from a transaction.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Not sure where to start?
Book a free 30-minute mortgage call. Tell us your situation. No commitment, no pressure.
Buying your first home in Letchworth, Hitchin, Stevenage or wider Hertfordshire – we’ll guide you from application to keys.
Coming off a fixed deal or releasing equity – we search the whole market, not just your existing lender.
Upsizing, downsizing, or relocating – we’ll match the right product to your new circumstances.
Landlord or considering your first investment property – specialist advice on BTL products and how they interact with your tax position.
The AFP Difference
A mortgage doesn’t exist in isolation. The size of your mortgage affects how much you can save into a pension. Your repayment term affects your protection needs. Whether you’re a contractor, a professional with variable pay, or a landlord, the mortgage fits into a bigger picture and that picture changes.
AFP’s mortgage advisers work within the same firm as your financial planner. A question like “should I overpay my mortgage or top up my pension?” gets a real answer, not a shrug.
What This Means For You
- Your mortgage recommendation accounts for your cashflow, tax position, and protection gaps, not just your income and the property value
- If you’re already an AFP financial planning client, your mortgage adviser knows the plan
- As your circumstances change – new role, growing family, RSUs vesting – both sides of the relationship move together
What whole-of-market means
High street banks can only offer their own products. A whole-of-market adviser searches across the full lender panel, including rates and products that aren’t available if you go direct.
Every recommendation is given on a regulated, advised basis – documented, personalised, and based on your specific needs.
- Access to lenders and rates not available direct from banks
- Suitability assessment – not just the cheapest rate, but the right product for your circumstances
- Obligation to recommend what’s right for you, not what earns the adviser the most
- Every recommendation is regulated, documented, and justified
How it works
1. Free 30-min Call
Tell us your situation. No commitment, no obligation. We’ll confirm whether we can help and what comes next.
2. Fact Find
A deeper conversation about your income, outgoings, existing products, and goals. We also align on how the mortgage fits your wider financial picture.
3. Whole-of-market research
Your adviser searches the full panel, assessing products against your specific needs: term, rate type, flexibility, product fees, and early repayment charges.
4. Recommendation
A clear, written explanation of what’s recommended and why, with a formal mortgage illustration before anything is submitted.
5. Application and Completion
We manage the application through to offer, chasing the lender and keeping you updated at every stage.
Mortgage types we advise on
Residential Mortgages
- First-time buyer
- Remortgage – rate switch or equity release
- Home mover
- Fixed rate, tracker, and variable rate products
- Repayment and interest-only (where a credible repayment strategy is in place)
- Complex income: self-employed, contractors, variable pay, bonuses, RSUs and share schemes
Buy-To-Let Mortgages
- Standard BTL purchase or remortgages
- Portfolio landlords (4+ mortgaged properties)
- Regulated BTL (accidental landlords, letting to family)
Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Also Available
- Lifetime Mortgages / Equity Release
- Bridging Finance
Fees
AFP’s mortgage advice is fee-free. Your adviser is paid a procuration fee by the lender when your mortgage completes – there is no advice fee charged to you.
You’ll receive a formal mortgage illustration before committing to anything. It will clearly show the procuration fee payable, so you can see exactly how
the service is funded.
In complex cases where an advice fee may apply, it will always be agreed in writing before any work begins. The maximum is £1,250.
FAQ
Do I need a mortgage adviser or can I just go direct to my bank?
You can go direct – but a whole-of-market adviser can access products across the full lender panel, including rates not available from a single bank. More importantly, AFP assesses what’s suitable for your specific situation, not what one lender is prepared to offer.
All AFP mortgage advice is given on a regulated, advised basis.
Can you help if my income is complex - self-employed, RSUs, bonuses, or variable pay?
Yes. Complex income structures – including those common among tech sector employees with RSUs or variable bonuses – require advisers who know which lenders assess that income most favourably, and how to present it correctly. This is something AFP’s mortgage team advises on regularly.
How long does the process take?
From initial conversation to mortgage offer, typically 4–8 weeks depending on the lender and how quickly documentation can be gathered. AFP manages the process and chases the lender on your behalf.
Do you advise on buy-to-let mortgages?
Yes – both for new purchases and remortgaging existing investment properties, including portfolio landlords. Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
I'm already an AFP financial planning client - can I use AFP for my mortgage too?
Yes. Existing AFP clients can access mortgage advice through the same firm, with the benefit that your mortgage is considered alongside the financial plan already in place.
What our clients say
Ready to take the next step?
Book a free 30-minute mortgage call. Tell us your situation. No commitment, no pressure.