We offer comprehensive mortgage advice. This means we have access to over 4000 mortgages, many of wh Typically we do not charge a fee for mortgage advice.
Advisory Financial Services was formed by David Murray in 1989 with the aim of providing face to face advice and exceptional levels of service. The Company was created at a time when large volume mortgage brokers were more interested in the number of clients rather than the clients themselves. It was our aim not to follow this model and treat each clients as if they were our only client. We unders
08/09/2026
Mortgage prices rise further as Barclays and Santander hike rates
Five more lenders including Barclays and Santander have raised mortgage rates with one expert warning new borrowers could pay up to £18 a month more in repayments.
https://www.whatmortgage.co.uk/home-buying/news-home-buying/mortgage-prices-rise-further-as-barclays-and-santander-hike-rates/
07/09/2026
UK house prices fall for first time since 2023, led by London and south-east
Average property cost £298,468 in August, down by 0.4% year on year amid higher interest rates, says Lloyds
UK house prices fall for first time since 2023, led by London and south-east Average property cost £298,468 in August, down by 0.4% year on year amid higher interest rates, says Lloyds
04/09/2026
HSBC and Coventry raise mortgage rates: Who will be next?
Mortgage rates look set to rise further as two major lenders have announced price increases amid bond market chaos.
https://www.whatmortgage.co.uk/home-buying/news-home-buying/hsbc-and-coventry-raise-mortgage-rates-who-will-be-next/
03/09/2026
UK mortgage borrowers brace for rate jump amid global bond sell-off
Swap rates rise to three-year high as increase in oil prices leads to fears of higher inflation
UK mortgage borrowers brace for rate jump amid global bond sell-off Swap rates rise to three-year high as increase in oil prices leads to fears of higher inflation
02/09/2026
Is it a good idea to overpay your mortgage?
Should you overpay your mortgage and if so, by how much? This is the question mortgage expert Darren Polson is tackling in this week’s Ask the Expert
https://www.whatmortgage.co.uk/home-buying/advice-home-buying/is-it-a-good-idea-to-overpay-your-mortgage/
01/09/2026
Coventry offers enhanced borrowing to first-time buyers
Coventry Building Society is reaching out to more first-time buyer customers by offering higher mortgage borrowing to those stepping onto the property ladder.
https://www.whatmortgage.co.uk/news/coventry-offers-enhanced-borrowing-to-first-time-buyers/
28/08/2026
No-deposit mortgages: 5 things FTBs should watch out for
Looking into a low or no-deposit mortgage? Chris Lee, the former director of the Help to Buy scheme, advises aspiring first-time buyer on what they should consider before taking out these deals
https://www.whatmortgage.co.uk/news/no-deposit-mortgages-5-things-ftbs-should-watch-out-for/
26/08/2026
I asked estate agents what will sell a home in 2027 – they all agreed this is the garden feature everyone is looking for in a property following this summer
'We are at the early stages of a genuine shift in how buyers think’
I asked estate agents what will sell a home in 2027 – they all agreed this is the garden feature everyone is looking for in a property following this summer 'We are at the early stages of a genuine shift in how buyers think about sun exposure and shade’
25/08/2026
3 risks to watch out for when buying a home
An insurance expert has revealed three key risks property buyers should check for when viewing a potential home.
https://www.whatmortgage.co.uk/news/3-risks-to-watch-out-for-when-buying-a-home/
24/08/2026
More first-time buyers (FTBs) over 50
Recent data shows that there are more over 50s taking their first step on the property ladder.
According to analysis of Financial Conduct Authority (FCA) data, first-time buyers aged 51 or over increased significantly between 2020 and 2024, rising by 43% over this period. Those buying their first home at the age of 41 or over increased by 10.5% since 2020. It is projected that over 50s will account for 5% of the FTB market by 2030 and over 40s will account for 16.4%. This is reflective of a housing market which has become increasingly challenging for prospective homeowners. However, it highlights that it is never too late to make your property dreams come true - get in touch with us to discuss your aspirations.
Your home may be repossessed if you do not keep up repayments on your mortgage
https://www.advisoryfs.co.uk/about/blog/more-first-time-buyers-ftbs-over-50