Albion Forest

Albion Forest Mortgages operates as a specialist mortgage broker, providing expert mortgage advice to clients across the entirety of the United Kingdom. The firm facilitates mortgage services through various channels, including online consultations, telephone support, and face-to-face meetings. The company's operational approach is designed to simplify the mortgage process for its clients, outlining a three-step journey that involves initial consultation with an advisor, application submission by a personal expert mortgage advisor, and ultimately, the securing of the mortgage. This structured process aims to guide clients through each stage of obtaining their mortgage.

The firm emphasizes a personalized service model, ensuring clients have direct access to their assigned advisor from the outset of their engagement. This approach is intended to foster a consistent and supportive experience throughout the home buying or remortgaging process. Albion Forest Mortgages is a family-run business based in Southampton, which extends its services nationwide. The company's commitment to client satisfaction is a core tenet of its operations, aiming to assist clients comprehensively at every step.

Albion Forest Mortgages offers advice on a diverse array of mortgage products designed to meet varied client needs. These include mortgages for debt consolidation, options for individuals receiving benefits such as Disability Living Allowance (DLA) or Personal Independence Payment (PIP), and specialized CIS (Construction Industry Scheme) mortgages [cite: scraped]. The firm also assists contractors, including those on fixed-term contracts and first-time buyer contractors, in securing appropriate financing [cite: scraped]. Further specializations encompass mortgages for key workers, such as doctors, teachers, and NHS staff, alongside Joint Borrower Sole Proprietor (JBSP) mortgages [cite: scraped, 4].

The company also provides solutions for individuals with adverse credit histories, including those with County Court Judgments (CCJs) or defaults, and offers various self-employed mortgage options, such as mortgages for self-employed individuals with one year's accounts, self-employed remortgages, buy-to-let mortgages for the self-employed, and retained profit mortgages for limited company directors and sole traders [cite: scraped]. Additionally, the firm advises on buy-to-let mortgages, key person insurance, and mortgages for YouTubers [cite: scraped]. Albion Forest Mortgages operates on a flat fee basis, distinguishing itself from entirely fee-free brokers. 00 to cover research and time.

Depending on the complexity of the case, a separate "Broker fee" may apply, which is presented as a one-time, lifetime fee, providing ongoing mortgage advice, protection advice, and home insurance advice for existing clients. The firm may offer discounts, particularly for key workers, and in some instances, the broker fee can be waived on a case-by-case basis. Albion Forest Mortgages has received industry recognition, being awarded "Best Nationwide Specialist Mortgage Advisory" by SME News Awards for four consecutive years from 2021 to 2024. The company was also nominated for the South Coast Business Awards in 2022 for the Small Business Award.

The firm is regulated by the Financial Conduct Authority (FCA), ensuring adherence to industry standards and client protection. Albion Forest Mortgages primarily focuses on providing comprehensive mortgage and protection advice for residential and buy-to-let properties across the UK. The company's listed services and areas of expertise, including various types of residential mortgages, self-employed mortgages, and specific key worker schemes, do not include purpose-built student accommodation (PBSA) [cite: scraped, 2, 4]. The firm's operational model and product offerings are centered on assisting individuals and families with their homeownership and property investment goals, rather than specialized student housing solutions.