First-Time Buyer
Buying your first home? We'll guide you through every step — deposit, affordability, offer and completion.
See all servicesLive Financially a worry free life
Find the Right Mortgage for Your Situation
Whole-of-market mortgage advice. Whether you're buying your first home, remortgaging or investing in property.
300+
Qualified Brokers All Across Country
20k
Satisfied Customers All Across Country
5.0
Over 20+ years
Our Mortgage Services
Select the type of mortgage advice you need
Remortgage
Save money or release equity when your current deal ends. We'll find your best available rate.
See all services
Moving Home
Porting your existing mortgage or starting fresh — we'll handle the whole process for you.
See all services
Buy to Let
Looking to invest in property? We'll help you find the right buy-to-let mortgage for your portfolio.
See all services
Self-Employed
Specialist lenders for contractors, freelancers and business owners — we know what documentation they need.
See all services
Bad Credit
Past credit issues don't always mean no mortgage. We'll search lenders who look beyond your credit score.
See all servicesHow It Works
Get expert advice in 3 simple steps
01Tell Us Your Situation
Share your goals and circumstances in our quick form. No lengthy application — just a few key details.
02We Search the Market
Your adviser compares hundreds of deals from lenders and insurers to find the best fit for your circumstances.
03We Handle the Rest
Paperwork, lender liaison, updates throughout. You get a clear recommendation and we see it through.
Handy tools and calculators
Practical Gadgets to Help Keep Things Simple
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence.
Common Mortgage Questions
This depends on your income, outgoings and credit history. Most lenders offer 4–5x your annual income. Use our Affordability Calculator for an estimate, or speak to an adviser for a precise figure.
Most purchase mortgages need a deposit — typically 5–15% of the property value. Some schemes and specialist products may allow lower deposits. Your adviser will explain your options.
From application to completion typically takes 8–12 weeks, depending on valuation, legal work and your lender. Remortgages can sometimes be faster. We'll keep you updated throughout.
We'll discuss your credit history early on and may run a soft check so we can recommend suitable lenders. Soft checks don't affect your credit score. Hard checks happen when you apply to a lender.
Often yes, but early repayment charges may apply if you're still in a fixed or discounted period. We'll calculate whether switching still saves you money after any fees.
Many lenders accept self-employed applicants with accounts, SA302s or accountant certificates. We'll match you with lenders who understand your income type.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
