A2B Mortgages & Insurance

A2B Financial Services: mortgage and protection advice from Gosport

A2B Financial Services Ltd, trading as A2B Mortgages & Insurance, is a mortgage and insurance advice firm based in Gosport, Hampshire. Its advisers work with clients across the UK, searching the market for a mortgage deal suited to each client's circumstances and then submitting the application and progressing it through to completion with regular updates. The firm presents itself as a multi award winning mortgage advice practice and stresses plain, jargon-free explanations.

Mortgage categories handled

The mortgage side of the business is organised around distinct borrower profiles, each with its own route through the site:

• First-time buyers
• Remortgage
• Home movers
• Buy to let
• Large loan specialists
• Specialist mortgages
• Later life lending

The advisers describe their method as listening to the client's requirements first and then searching for a competitive deal that meets them, on the basis that every client has a specific set of circumstances.

Protection and insurance lines

Alongside mortgages, A2B offers a fully advised protection service covering policies intended to protect the client and their family. The product lines listed are life insurance, critical illness cover, income protection, accident and sickness cover and home insurance. The firm also notes that protection needs can change as circumstances change, and invites clients to review their existing level of cover. Trusts and wills are presented as a further area of the service.

Online calculators and credit report access

The website provides a suite of mortgage calculators, including a remortgaging calculator, a repayment mortgage schedule and a stamp duty calculator. These are presented as tools to estimate monthly cost, borrowing capacity and the effect of overpayments on the total repaid. The site also offers access to a credit report through a third-party service, with a free 30-day trial followed by a monthly subscription of £14.99, cancellable at any time; the firm states it receives a commission payment from Check my file for this referral. A client login is available on the site.

Fees, regulation and company details

A2B Financial Services Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. The firm's FCA number is 779733. It is registered in England & Wales under company number 12457269, with a registered address at Tml House, 1a The Anchorage, Gosport, England, PO12 1LY. The site states that a fee may apply for mortgage advice, estimated at £499.00 depending on circumstances, and carries the standard warning that a home may be repossessed if repayments are not kept up, and that some forms of buy-to-let mortgage are not regulated by the FCA. The guidance on the site is aimed primarily at consumers based in the UK.

Client feedback

The site reproduces testimonials taken, according to the firm, from its Google business page. Several name adviser Lana and describe her knowledge, availability for questions and willingness to explain matters without jargon; others refer to buildings and life insurance arranged around a house move and to quick provision of quotes. These are individual client accounts rather than a measured rating.