A whole-of-market mortgage and protection broker in Hull. Every client works directly with Anthony — on a call, not passed round a call centre.
60 second introduction
Every enquiry, every follow-up, every remortgage. All with Anthony.
No overnight ticket queues. No case managers. No waiting for someone to phone you back at some point next week.
Access to every mainstream and specialist lender in the UK via the PRIMIS Mortgage Network.
Every enquiry starts the same way — a twenty minute call to understand your situation before anyone looks at a product.
Whole of market search across every mainstream and specialist lender. First-time buyer, remortgage, buy-to-let, home mover and everyone in between.
Life, critical illness, income protection and family income benefit — arranged around the household, not the product.
Anthony walks you through why A&L exists, what a first call feels like, and how the client list stays deliberately small.
Watch the filmA&L was founded in 2015 as a deliberately small firm.
First-time buyers, remortgagers, landlords and protection-only clients.
Across two hundred and counting five star reviews.
The clearest signal that the first mortgage went well.
Every enquiry, every follow-up, every mortgage offer, every remortgage. All with Anthony. No handovers. No case managers. No overnight ticket queues.
— AnthAnth learns your situation before looking at products. Income, plans, what has already been said elsewhere. No pressure, no forms up front.
We look across every mainstream and specialist lender, then sit down and explain the trade-offs plainly. You choose. We recommend.
We handle the application, the valuation, the underwriter questions. You get the keys or the cover, and we stay in touch for the next remortgage.
From help-to-buy to 95% LTV. We walk you through affordability, deposit, and what a good agreement in principle looks like.
Six months out from your fix ending we lock in a rate. If a better one lands before completion, we switch.
Personal name, limited company or portfolio landlord. We know which lenders like which structures.
Enough to clear the mortgage. Enough to keep the household running. We do the sums first, then the quote.
The definitions vary massively between insurers. We compare the small print, not just the premiums.
The most overlooked policy in the household. Essential for the self-employed and higher earners.
Anth explained the difference between a two-year and a five-year fix in a way I could actually understand. Then he found us a deal one hundred and eighty pounds a month cheaper than the one our bank offered. We have not moved lender since.
“We came for a first mortgage in 2019. Anth has done our life cover, our second mortgage and now the buy-to-let. It is like having a friend in the industry.”
“Everything explained in plain English. The offer came through in nine days. I have already recommended him to two people at work.”
“A self-employed mortgage that three high street banks refused. Anth sorted it inside a fortnight without breaking a sweat.”
Affordability multiples, deposit sizes, and what lenders actually look at before they say yes. The most-read post on the blog.
The two get confused constantly. Here is the plain difference and a small decision tree.
The offset trick, the two-year rebound, and when a five-year fix still makes sense.
For most residential mortgages there is no fee — we are paid a commission by the lender at completion, which we disclose in writing before you commit to anything. For more complex work (buy-to-let portfolios, adverse credit, unusual income) we charge a fixed fee of £295, agreed with you before we start.
Yes. We are appointed representatives of the PRIMIS Mortgage Network and have access to every mainstream lender plus a full range of specialist lenders for the trickier cases.
Yes. Every enquiry, first call, follow-up, mortgage offer and remortgage runs through Anthony directly. There are no case managers or hand-offs to a call centre. This is why we keep the client list deliberately small.
An agreement in principle can usually be arranged inside 48 hours of our first call. From application to mortgage offer is typically two to four weeks depending on the lender and how quickly the valuation comes back.
Yes. Most of our clients are in Hull and East Yorkshire, but everything can be handled over phone, video and email. We regularly work with clients across the UK.
Book a call directly with Anthony. Evenings and weekends available.
