Business Details
22 Years
experience
Your Trusted Mortgage Brokers in Birmingham
AFINANCIAL is a mortgage advisory service with over two decades of expertise in providing tailored financial solutions. Established in 2004, we specialise in mortgage, protection, and insurance advice, prioritising client needs over vendor or bank interests. Our team of experienced advisors, including senior partners Tala Maleki and David Golt, delivers personalised guidance for first-time buyers, home movers, and investors. We leverage advanced technology to streamline applications, offering fee-free initial advice and fast approvals. Our commitment to transparency, client education, and long-term relationships has earned us a reputation for trust and reliability.We operate nationwide across the UK, serving clients in Birmingham, Manchester, London, and beyond. Our apprenticeship programs ensure continuous innovation while maintaining a client-first ethos. With partnerships across trusted lenders, we secure competitive deals tailored to individual circumstances. Our service includes free automated valuations, mortgage guarantees, and dedicated client support throughout the process. This approach has resulted in high client retention and referrals, reflecting our dedication to fair treatment and exceptional outcomes.
Services
Mortgage Protection
First-Time Buyers
Home Movers
Buy-To-Let Mortgages
Insurance Advice
Details
- Year established: 2004
Highlights and features
- We offer fee-free initial mortgage advice with no obligation.
- Our advisors have over 20 years of combined experience in complex cases.
- We guarantee fast approvals, often within 30 minutes.
- We work with a comprehensive panel of trusted lenders.
- 90% of our business comes from client referrals and introductions.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent communication
Fast approvals
Client-first approach
Expertise in complex cases
Reliable referrals
Services
Complex Mortgage Advice
We specialise in handling complex mortgage cases, including adverse credit, foreign nationals, and portfolio landlords. Our advisors use two decades of experience to secure niche lender products. Clients pay no fees unless we successfully arrange their mortgage.
First-Time Buyers
Tailored guidance for first-time buyers, including free automated valuations and mortgage guarantees. We simplify the process with fast approvals and dedicated support from application to completion.
Buy-To-Let Mortgages
Expert advice for property investors, including portfolio management and specialist products. We connect clients with lenders offering competitive rates for buy-to-let portfolios and complex investments.
Mortgage Protection
Comprehensive protection plans to safeguard mortgages against unforeseen circumstances. Our advisors ensure clients have appropriate coverage for life, critical illness, or income protection.
Home Movers
Streamlined mortgage solutions for home movers, including simultaneous purchases and sales. We coordinate with solicitors and estate agents to ensure smooth transitions to new properties.
People
Tala Maleki
Senior Partner
LLB-qualified senior partner with over 10 years at HSBC and 15 years leading AFINANCIAL. She specialises in strategic mortgage solutions and regulatory compliance, ensuring client-focused service delivery.
David Golt
Senior Partner
CF6-certified mortgage expert with two decades of experience handling complex cases. He leads AFINANCIAL's team, focusing on portfolio landlords and challenging lending scenarios with practical solutions.
Hassan Alam
Mortgage Expert
Fully qualified advisor since 2017, Hassan provides reliable mortgage and insurance advice. He joined AFINANCIAL at 17, progressing through apprenticeships to become a trusted client-facing specialist.
Andrew Quinton-Jones
Mortgage Advisor
Bespoke mortgage advisor since 2014, Andrew offers tailored insurance and protection solutions. He qualified through AFINANCIAL's apprenticeship program, focusing on client-centric financial planning.
Michael Averill
Protection Specialist
New team member since 2023, Michael specialises in mortgage protection products. His apprenticeship-driven expertise ensures clients receive optimal insurance coverage aligned with their mortgage needs.
Questions
Do you charge fees for mortgage advice?
We offer fee-free initial advice. Complex cases may incur fees of £799-£1,199, payable only upon successful mortgage arrangement.
How quickly can you approve a mortgage?
Preliminary approvals typically occur within 30 minutes through our streamlined process, faster than direct lender applications.
What mortgage types do you specialise in?
We handle standard, buy-to-let, adverse credit, foreign national, and complex portfolio mortgages with specialist lender partnerships.
Are your services regulated?
We operate under The Openwork Partnership's FCA regulation (no. 481308), ensuring compliance with financial conduct standards.
Can you help with property valuations?
Yes, we provide free automated valuations to determine accurate property pricing and mortgage eligibility.
Do you offer protection insurance?
We include tailored mortgage protection plans covering life, critical illness, and income loss to safeguard your investment.
