About AFP Mortgages
AFP Mortgages are independent Mortgage Brokers and Protection Advisers based in Maidenhead, serving the Home Counties, London and further afield.
For many years, AFP Mortgages has been a specialist in helping clients attain high value mortgages, often where there is a history of complex income structures or other out-of-the-ordinary factors in respect of traditional lending criteria.
We work with all lenders – high street banks, private banks, challenger banks and assorted specialist lenders - and we have spent many years building such valued relationships. As a result, those well-established bonds often result in some leverage for my loan applications.
Furthermore, we are privileged to be on key lenders’ ‘exclusive panels’ which occasionally allow access to mortgage products at discounted rates of interest, designed especially for lenders to meet their lending targets.
An achievement that we are quite proud of is our contribution to a 10yrs+ general campaign for the entitlement of older borrowers to mortgage borrowing. It involved many meetings and discussions with lenders, journalists, regulatory bodies and even articles written, in order to drive home this empowerment and right. Now, lenders have ‘seen the light’ and a growing number is active in and lending to this particular market: more lenders will join the party, over time.
In the words of Bob Dylan, “The Times They Are A Changin” and here are two examples of such lending in that arena:
A recent £1m residential re-mortgage for a client who is 80yrs of age – he could afford the monthly interest-only payments and the mortgage interest rate / fees were significantly lower than the alternative option i.e. equity-release.
We were delighted to help a couple, 85yrs and 82yrs young, achieve a £300k re-mortgage on a 5yrs fixed rate at 3.3%. They had no existing mortgage encumbrance but wanted to ‘gift’ £150k to each of their grandchildren.
A significant amount of our business is introduced to us by professional firms that hold fast to the basic principles:
Honesty with advice
Transparency regarding fees (more often than not, we don’t charge one)
Effective use of our client’s time and of our own time
Experience & Qualifications
All mortgage and insurance advisers are appropriately qualified; authorised and regulated by the Financial Conduct Authority.
AFP Mortgages is a trading name of Nigel Osgood (FRN 755471) who is an Appointed Representative of AFP Partnership Network. AFP Partnership (FRN 300003) are authorised and regulated by the Financial Conduct Authority. Certain Products, including Commercial mortgages and Buy to Let mortgages are not regulated by the Financial Conduct Authority. A fee may be charged in certain circumstances and is typically £395.00
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE