Business Details
22 Years
experience
Trusted Mortgage Advisers in Birmingham
aFinancial has been delivering expert mortgage and financial advice since 2004, combining over two decades of industry experience with innovative approaches to client service. Founded by Tala Maleki and David Golt, our team prioritises client needs above all else, offering tailored solutions for first-time buyers, home movers, and buy-to-let investors. With a strong commitment to ethical practices, we operate as an appointed representative of The Openwork Partnership, regulated by the Financial Conduct Authority.Our apprenticeship programs nurture future financial professionals while maintaining fast, efficient service standards. Clients consistently praise our transparent communication, complex case expertise, and the personal touch that has made referrals our primary source of new business.
Services
Mortgage Advice
Mortgage Protection
Insurance Services
Buy-to-Let Mortgages
First-Time Buyer Assistance
Details
- Year established: 2004
Highlights and features
- 20 years of specialist mortgage advisory experience
- Tailored advice prioritising client interests over vendors
- No fee payable unless mortgage is secured
- Preliminary approvals within 30 minutes
- Apprenticeship programs ensuring future-ready service
Associations and certifications
- Financial Conduct Authority
What people say
Expert mortgage advice
Smooth process
Excellent communication
Quick approvals
Trusted service
Services
Mortgage Advice
Our expert mortgage advisers provide tailored advice for first-time buyers, home movers, and property investors. We specialise in complex cases including buy-to-let portfolios and adverse credit situations. With access to a comprehensive panel of lenders, we secure competitive deals that match your specific circumstances.
Mortgage Protection
We offer comprehensive mortgage protection solutions to safeguard your property investment. Our protection plans cover critical illness, income loss, and life events that could affect mortgage repayments. Tailored policies ensure financial security for homeowners and their families during challenging times.
Insurance Services
Our insurance services include buildings insurance, mortgage protection, and income protection policies. We provide bespoke solutions that complement mortgage arrangements. Expert advisors ensure appropriate coverage levels while maintaining competitive pricing through established provider relationships.
Buy-to-Let Mortgages
Specialist buy-to-let mortgage advice for property investors. We handle portfolio landlords, limited company purchases, and complex investment structures. Our experienced team secures competitive rates while navigating regulatory requirements specific to investment properties.
First-Time Buyer Assistance
Comprehensive support for first-time property purchasers. We explain mortgage options, assist with affordability assessments, and provide valuation services. Our advisors guide clients through the entire purchase process with clear, jargon-free explanations and practical advice.
People
Tala Maleki
Senior Partner
Qualified solicitor with law degree from University of Wolverhampton. Former HSBC executive with over 10 years' banking experience. Founded aFinancial in 2009 and leads strategic direction while maintaining client relationships.
David Golt
Senior Partner
Mortgage expert with two decades of industry experience. Specialises in complex cases and portfolio management. Provides strategic leadership while maintaining hands-on client advisory role. Recognised for resolving challenging mortgage situations.
Hassan Alam
Mortgage Expert
Fully qualified advisor with extensive experience in mortgage and insurance products. Joined as apprentice at 17, now trusted professional handling diverse client needs. Known for client-first approach and technical expertise.
Andrew Quinton-Jones
Mortgage Advisor
Bespoke mortgage advisor since 2014. Qualified through apprenticeship program. Specialises in mortgage protection and insurance products. Provides comprehensive advice covering all aspects of property financing.
Thomas Newbury
Mortgage Specialist
Mortgage progression expert with former estate agency experience. Ensures smooth transaction processes from application to completion. Brings property market insights to benefit client purchases and sales.
Questions
What mortgage types do you specialise in?
We specialise in residential mortgages, buy-to-let investments, complex cases, and first-time buyer arrangements. Our panel includes specialist lenders for adverse credit and non-standard situations.
Are your mortgage services regulated?
Yes, we are regulated by the Financial Conduct Authority as an appointed representative of The Openwork Partnership. Most buy-to-let mortgages remain outside FCA regulation.
How quickly can you process a mortgage application?
We typically provide preliminary approval within 30 minutes and complete documentation on the same day. Processing times vary depending on lender requirements and case complexity.
Do you charge fees for mortgage advice?
We offer fee-free initial advice. Complex cases attract fees of £799-£1,199, payable only upon successful mortgage completion. Many clients pay no upfront fees through lender commissions.
What areas do you cover?
We operate nationwide with physical offices in Birmingham, Manchester, London, Oxford, Surrey, Kensington, and Fulham. Our telephone-based service supports clients throughout the UK.
Can you help with mortgage protection?
Yes, we provide comprehensive mortgage protection solutions including life cover, critical illness insurance, and income protection policies tailored to your specific needs.
