AP Mortgage Solutions Ltd

AP Mortgage Solutions Ltd: whole-of-market mortgage advice

AP Mortgage Solutions Ltd operates as a whole-of-market mortgage broker, a positioning that gives it access to the entire mortgage market rather than a restricted panel of lenders. The firm states that it has more than 20 years of experience in the industry and provides expert mortgage and protection advice. Its client base includes first-time buyers, home movers, buy-to-let investors and people looking to remortgage.

The brokerage presents itself as offering mortgages from all the main high street lenders and more niche providers, as well as access to hundreds of exclusive deals that it says are not available by going direct to banks and building societies. It also indicates that it can search thousands of deals from over 60 lenders for home mover mortgages.

Mortgage services for different buyer profiles

The mortgage offering is organised around specific circumstances rather than a single generic product. The services listed are:

• First-time buyer mortgages, with advice aimed at guiding buyers through the purchase process.
• Home mover mortgages, searching deals from more than 60 lenders.
• Remortgages for those looking for a better deal anywhere in the UK.
• Debt consolidation remortgages, for consolidating debt into the mortgage.
• Self-employed mortgages, for applicants whose income profile requires specialist underwriting.
• Right to Buy mortgages, for buying a council or housing association home at a discounted price.
• Bad credit mortgages, including cases involving CCJs, bankruptcy, IVAs, defaults, mortgage arrears, missed or late payments, or a combination of these.
• Buy-to-let mortgages, for those building a rental portfolio.
• Specialist advice covering shared ownership mortgages, bridging loans, expat mortgages and limited company buy-to-let mortgages, using specialist lenders.

Protection insurance and conveyancing

Alongside mortgage advice, the firm offers protection products intended to mitigate financial shocks. These include life insurance, critical illness cover and income protection. Life insurance is presented as a way to protect loved ones financially in the event of death; critical illness cover is described as lessening the financial strain if the policyholder becomes critically ill; and income protection is designed to provide income if illness or injury prevents work.

The firm also provides conveyancing support, helping clients find a solicitor or conveyancer for a property purchase. It frames the choice of conveyancer as a factor that can make a difference in the buying process.

How advice is delivered

AP Mortgage Solutions offers face-to-face appointments for local clients, either at its office or at the client's home. For those who cannot set aside the time, it also provides remote advice, with applications arranged purely by phone and email while maintaining what it describes as a high level of customer service. The firm mentions a 15-minute initial chat with one of its mortgage advisers to discuss the full range of options, and a telephone appointment booking facility.

The website includes an online contact form that asks for name, email address, phone number, service type (mortgage or protection), the specific mortgage or protection option, and comments. The firm states that it will reach out within 24 hours.

Accreditations and regulatory status

AP Mortgage Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The firm also refers to holding a number of top accreditations and affiliations from the industry, meeting and surpassing expected standards, although the specific names of those accreditations are not detailed in the available text.

Reviews and public presence

The site includes a section titled "Our Reviews" that invites visitors to read more excellent reviews via an external link. No review scores or review counts are displayed in the text available for this profile.