01 The introduction
a film about A&L
The mortgage &
the family, looked after.
Mortgage and protection brokers with a large lender panel in Hull. A small, senior team. Every client works with one named broker from first call to keys. Never passed round a call centre.
VIDEO SLOT 1
Meet Anthony
01:04
SLOT 1 · Anthony’s 60-second welcome
“Hi, I’m Anthony.”
60 second introduction
10+ yrs
Est. 2015 · Hull
1,000+
Families advised
5.0 ★★★★★
200+ Google reviews
Large lender panel
FCA authorised via PRIMIS
The provider panel
Insurers we place cover with.
Access to major UK insurers through the PRIMIS Mortgage Network.
01The introduction
A&L Financial Solutions
The scale of a big broker. The service of a family firm.
Direct
Every enquiry, every follow-up, every remortgage. All with one named broker.
Considered
No overnight ticket queues. No case managers. No waiting for someone to phone you back at some point next week.
Large lender panel
Access to every mainstream lender and a wide range of specialist lenders through the PRIMIS Mortgage Network.
02 · What we do
Two things,
Two things,
done properly.
Every enquiry starts the same way: an introduction call to cover your situation and how our service works before anyone looks at a product.
01 / Mortgages
The right lender.
The plainest explanation.
Large lender panel search across every mainstream and specialist lender. First-time buyer, remortgage, buy-to-let, home mover and everyone in between.
- 01First-time buyer, up to 95% LTV
- 02Remortgage six months before your fix ends
- 03Buy-to-let, portfolio and limited company
- 04Self-employed and complex income
02 / Protection
The bit most
people put off.
Life, critical illness, income protection and family income benefit, arranged around the household, not the product.
- 01Life cover for the mortgage and beyond
- 02Critical illness cover for cancer, heart attacks, strokes, MS and many more
- 03Income protection for the self-employed and the employed
- 04Family income benefit to replace household income if the worst happens
- 05Whole-of-life cover
- 06We can write your policies in trust
Written in trust
The right people,
The right people,
get the right money,
at the right time.
We can write your policies in trust.
03 · The film
One founder. Ten years of mortgages. Ninety seconds.
Anthony walks you through why A&L exists, how a first call feels, and how every case is worked as a priority, not a queue.
Meet AnthonyA
Anthony Thackeray
Founder
VIDEO SLOT 2
A message from Anthony
01:34
SLOT 2 · Anthony’s founder story (~90 seconds)
“My whole business runs on the idea that if I look after twenty families really well this year, they will bring me the next twenty next year.”
04The numbers
Ten years, a thousand families, one broker per client.
A small, senior team. One dedicated broker on every case.
Years advising
10+
A&L was founded in 2015 as a small, senior firm where every case is treated as priority.
Families helped
1,000+
First-time buyers, remortgagers, landlords and protection-only clients.
Google rating
5.0
Across two hundred and counting five star reviews.
Come back for the remortgage
95+%
The clearest signal that the first mortgage went well.
04a · the difference
One person.
Every enquiry, every follow-up, every mortgage offer, every remortgage. All with your named broker. No handovers. No case managers. No overnight ticket queues.
— Anthony05How it works
Four steps.
One broker. No jargon.
i.
01
The introduction call.
A first call to cover your situation, your information and how our service works. Income, plans, what has already been said elsewhere. Early mornings, late evenings and weekends available. No pressure, no forms up front.
Same day, most cases
—
—
ii.
02
Compare the lenders.
We look across every mainstream and specialist lender, then sit down and explain the trade-offs plainly. Often a decision in principle the same day, and the application submitted straight after.
Often same-day DIP
—
—
iii.
03
Identify a way forward.
Once we have a recommendation, we move straight on to life insurance, critical illness and income protection built around the household. Policies are written in trust so the right people get the right money at the right time. Handled in the same conversation, not as an afterthought.
Same appointment
—
—
iv.
04
Get the keys.
We handle the application, the valuation, the underwriter questions, the solicitor chase. Offers usually land in forty-eight hours to two weeks, and we stay in touch for the next remortgage.
48hrs–2 weeks to offer
—
—
01
First-time buyer.
From help-to-buy to 95% LTV. We walk you through affordability, deposit, and what a good agreement in principle looks like.
→
02
Remortgage.
Six months out from your fix ending we lock in a rate. If a better one lands before completion, we switch.
→
03
Buy-to-let.
Personal name, limited company or portfolio landlord. We know which lenders like which structures.
→
04
Life insurance.
Enough to clear the mortgage. Enough to keep the household running. We do the sums first, then the quote.
→
05
Critical illness cover.
The definitions vary massively between insurers. We compare the small print, not just the premiums.
→
06
Income protection.
The most overlooked policy in the household. Essential for the self-employed and higher earners.
→
07In their own words
Five stars, two hundred times.
Anthony 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.
R
Rachel & Dan
Remortgage · Cottingham
VIDEO SLOT 3
Client film
SLOT 3 · Client testimonial (~60–90 seconds)
“We were turned down by three brokers before Anthony.”
The Watsons · Kingswood★★★★★
“We came for a first mortgage in 2019. Anthony has done our life cover, our second mortgage and now the buy-to-let. It is like having a friend in the industry.”
James H. · Buy-to-let, Beverley
★★★★★
“Everything explained in plain English. The offer came through in nine days. I have already recommended him to two people at work.”
Priya M. · First-time buyer, Hessle
★★★★★
“A self-employed mortgage that three high street banks refused. Anthony sorted it inside a fortnight without breaking a sweat.”
Michael T. · Self-employed, Hull
01 · Mortgages
How much do I need to earn for a £250k mortgage in 2026?
Affordability multiples, deposit sizes, and what lenders actually look at before they say yes. The most-read post on the blog.
02 · Protection
Life cover vs mortgage protection.
The two get confused constantly. Here is the plain difference and a small decision tree.
03 · Remortgage
Remortgaging in a high-rate environment.
The offset trick, the two-year rebound, and when a five-year fix still makes sense.
09Common questions
Everything asked on a first call.
If your question isn’t below, email us directly.
01 How much do you charge? +
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 £457, agreed with you before we start.
02 How many lenders do you compare? +
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.
03 Will I always speak to the same broker? +
Yes. A&L is a small, senior team. Every client is assigned one named broker who handles every enquiry, first call, follow-up, mortgage offer and remortgage. No case managers, no hand-offs to a call centre. The client list is big, but every case is worked on as a priority, never a list.
04 How long does the whole process take? +
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.
05 Do you cover clients outside Hull? +
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.
Ready to get insured?
Tell us where you are, we’ll take it from there.
Fill in the form and Anthony, Mark or Liam will come back to you within one working day. If it’s urgent, call 07715 832346 or message us on WhatsApp.
- One named broker, first call to keys
- Access to major UK insurers via PRIMIS
- Policies written in trust
- Evenings and weekends available
Let’s talk.
Ten years of mortgages.
Ten years of mortgages.
One introduction call.
Book a call with the A&L team. Evenings and weekends available.