Welcome to
AFH Home & Protect

Put your mind at ease with a mortgage and insurance product tailored to your personal needs.

Buying your new home

For most of us, buying a home is the most expensive thing we will ever do. That’s why, when you’re thinking about getting a mortgage, it pays to speak to the most trustworthy and credible people around.

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Which type of buyer are you?

Residential

If you have an existing mortgage, you could be paying more than you need to. We can investigate on your behalf, and potentially save you money on your mortgage through our remortgage broker service.

Moving home

If you’re thinking of moving home, you may be wondering whether your existing mortgage lender offers the best way to buy your new property. AFH Home & Protect can help you look through all the options available, including moving your current mortgage to a new lender, and pick the one that is right for you.

First-time buyer

If you’re placing your foot on the housing ladder for the first time, expert guidance is extremely valuable. AFH Home & Protect can access the entire mortgage market to find the right product and lender for you – whatever your circumstances.

A landlord

If you are looking to buy a property for investment purposes then you will need a buy-to-let mortgage. We can walk you through the unique features this type of financial product and help you select the right option.

The right mortgage depends on you

Finding the right kind of mortgage depends on your circumstances, as different products are geared to different people. Factors such as how much cash you can put down for a deposit (if any) or whether you already own a property or other assets, will influence the mortgage for which you are applying.

How does a mortgage work?

> Repayment mortgages

With a repayment mortgage, you repay part of the amount borrowed together with the interest being charged each month. At first, you’ll mostly be paying off interest, but towards the end of your mortgage term the majority of your monthly payment will deduct from the amount borrowed.

> Interest-only mortgages

This type of mortgage lets you pay off only interest during the term of your agreement. Although your payments will be lower, the amount you borrow will still be outstanding at the end of the mortgage term. That means you’ll require credible arrangements to pay off the amount you’ve borrowed, such as an Individual Savings Account, at the end of the mortgage term.

Types of mortgage products available

> Buy-to-let

> Standard variable rates

> Fixed rates

> Tracker rates

> Capped rates

> Discount rates

> Offset mortgages

> Flexible mortgages

Protect your home and loved ones

Owning your own home is a huge step in building a new life for you and your family – but it is just step one. When you take out a mortgage, it pays to consider how future events may interrupt even the best thought-out plans.

For example, in the event that you became too ill to work, how would you pay your mortgage off? In the tragic event of your passing, would your partner be able to do it alone? Questions like these are well worth the time and effort to address – and at AFH Home & Protect, we are happy to help you work through them.

We offer a variety of products to safeguard your future, such as:

Life and critical illness insurance

In the event of your death, life and critical Illness cover could pay off your mortgage and all of your debts, leave a lump sum for your family, and provide money for funeral expenses.

Income protection

If you become too sick to work, or suffer an accident that leaves you unable to provide for your family, income protection cover could provide a tax-free income when you need it most, helping you to keep on top of your financial obligations, giving you peace of mind.

Medical insurance

There are numerous benefits to private medical insurance, such as faster referrals to the correct consultant, no waiting lists, and choice of hospitals and the best treatments available.

Home insurance

Insuring your home and its contents is an absolute necessity. At AFH Home & Protect, we can provide you with cover that combines all of the required features such as accidental damage and specialist risk options.

A personal service with flexible costs

All of AFH's Home & Protect services are fully bespoke, and designed to your specific needs. As a result, the cost of these services is similarly bespoke, and will be discussed in your first meeting with us. This meeting is free of charge, and you will not incur any costs until you sign an agreement with us.

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A member of our friendly team will be happy to assist you.