AMS Mortgages (Access Mortgage Solutions)

AMS Mortgages, mortgage brokerage for complex cases in the United Kingdom

AMS Mortgages, whose registered name is Access Mortgage Solutions, is a UK-based mortgage brokerage that presents itself as a specialist in mortgages for complex situations. The firm states 24 years of activity and operates as a whole-of-market broker, with access to all lenders, including specialist ones. Its proposition is aimed at those who have had an application declined or do not fit the criteria of conventional banks.

Client profiles and situations covered

The firm's catalogue covers a broad spectrum of credit and employment circumstances. Among adverse credit situations are mortgages with missed payments, with defaults, with county court judgments (CCJs), with an IVA (individual voluntary arrangement), after a debt management plan (DMP), after late payments, after a previous mortgage default, with a low credit score, with no credit history and with payday loans in the history.

In the employment sphere, the brokerage serves self-employed individuals with one or two years of accounts, building and CIS contractors, IT contractors, self-employed workers, freelancers, professionals subject to IR35 rules, medical specialists, agency workers and people on zero-hours contracts. It also covers profiles such as first-time buyers, foster carers, Right to Buy beneficiaries, doctors, shared ownership homeowners, auction buyers, people going through divorce, non-standard construction properties, high-net-worth individuals and leasehold homes.

Remortgaging, investment and complementary solutions

For those not moving home, the firm offers remortgaging to improve the interest rate, capital raising, debt consolidation and home improvement financing. In the investment segment it handles buy-to-let mortgages, including those granted to clients with bad credit history, and limited company loans. It completes its offering with second charge mortgages, bridging loans, life insurance, buildings and contents insurance, and conveyancing solicitor services.

Working method and responsiveness

The process described by the firm begins with a call to one of its brokers, followed by an immediate assessment of the applicant's circumstances and a decision within one hour. The company states it maintains direct relationships with underwriters and whole-of-market access, which, according to its presentation, makes it possible to secure a mortgage even for those who have been previously declined. It also indicates that it has exclusive mortgage rates not available at conventional banks.

Mortgage calculator and applicant tools

The site includes a calculator to estimate how much can be borrowed, which takes into account combined salary and other income such as bonuses, commissions, overtime, benefits, maintenance payments. The firm itself warns that the resulting figure is based on current lender criteria and may not represent the actual amount granted. It also offers access to a free credit report through its partners and the possibility of requesting a callback.

Reviews and stated reputation

The company states it has a 98% 'excellence' rating on Trustpilot and hundreds of verified five-star reviews. Among its marketing messages is the phrase "if we can't help, it's not possible", which the firm uses to emphasise its specialisation in cases that other entities reject.

Editorial activity and regulatory notices

The site publishes mortgage advice content, with recent posts on mortgages with commission income, a case study of a mortgage after bankruptcy in the United Kingdom and a comparison between a mortgage adviser and an online lender. The firm operates under the name A.M.S. (Access Mortgage Solutions), is registered in England and Wales and authorised and regulated by the Financial Conduct Authority, with reference number 602409 in the financial services register. Its activity is aimed at consumers resident in the United Kingdom.

Location and contact

Chantry House, High Street, Coleshill, B46 3BP