Mortgage advice · Birmingham & West Midlands · First-time buyers · Remortgages · Buy-to-let

Mortgage advice that starts with your situation, not a rate table.

From first-time buyers to portfolio landlords — Asif Kola and lead broker Rebecca Layton give you the kind of straight, independent mortgage guidance most people never get.

One conversation. Real answers. No pressure.

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Whole-of-market advice First-time buyer guidance Remortgage reviews Buy-to-let mortgages Self-employed cases Application to completion Birmingham & West Midlands Whole-of-market advice First-time buyer guidance Remortgage reviews Buy-to-let mortgages Self-employed cases Application to completion Birmingham & West Midlands

Why This Works Differently

A mortgage is one of the biggest decisions you'll make.
It deserves more than a comparison site.

Most people approach a mortgage by searching for the lowest rate and hoping for the best. What they actually need is a clear picture of what they can borrow, which lenders suit their circumstances, and what the real costs look like over the term.

Asif Kola Realty® works with Rebecca Layton, an independent whole-of-market mortgage broker, to give clients something most estate agents can't — joined-up property and mortgage advice from people who already understand your situation.

Whether you're buying your first home, moving up, remortgaging before your deal ends, or building a rental portfolio — we start with your numbers and build a route from there.

"The right mortgage is the one built around your life — not just the lowest number on a comparison table."

Real Affordability

Know what you can actually borrow before you view, offer, or commit to anything.

Lender Matching

Access to the whole market — matched to your income, deposit, credit profile and plans.

Plain English

Rates, fees, terms and risks explained clearly. No jargon. No pressure. No surprises.

End-to-End

From first conversation through to application, lender queries and completion.

Most borrowers don't need more noise.
They need a clearer route.

Who You're Working With

The relationship and the expertise.
In the same conversation.

Property & Client Relationship Asif Kola

As your estate agent, Asif already understands your property goals, your timeline, and what you're trying to achieve. That context doesn't disappear when the mortgage conversation starts — it informs every step of the advice you receive.

When Asif refers you to Rebecca, she's already briefed. You don't repeat yourself. You don't start from scratch.

Lead Mortgage Broker · Whole-of-Market Rebecca Layton

Rebecca is an independent whole-of-market mortgage broker who works alongside Asif to give clients access to hundreds of lender products — matched specifically to their circumstances, not a generic search result.

Self-employed cases, complex income, portfolio landlords, first-time buyers — Rebecca handles the detail so you can focus on the decision.

How We Can Help

Advice for the moments where
the details really matter.

First-Time Buyers

Deposit size, agreement in principle, lender criteria, gifted deposits, credit history — and what actually happens after your offer is accepted. We walk you through it.

Start with confidence

Remortgages

Review your existing deal before it ends. Compare your options, understand product transfers, and avoid drifting onto a standard variable rate that costs you more every month.

Protect your monthly payment

Home Movers

Work out what you can buy next, whether to port your existing deal, and how to manage the timing of selling and borrowing at the same time without getting caught out.

Plan the move properly

Buy-to-Let

Rental stress tests, limited company borrowing, portfolio considerations and lender appetite for investment properties — structured advice for landlords who want to grow properly.

Invest with structure

What to Expect

Know where you stand before
you commit.

15 Minute introduction call to understand your starting point — no obligation, no hard sell.

100s Of lender products compared across the whole market, matched to your specific circumstances.

1 Clear advice route from early affordability conversation through to mortgage offer.

How It Works

A calmer process from first question
to mortgage offer.

Discovery

We learn about your income, deposit, plans, credit position and timing — so the advice starts in the right place, not a generic one.

Research

Rebecca compares suitable lender routes, rates, fees and criteria across the whole market, then explains the strongest options clearly.

Application

We help prepare documents, submit the application and manage lender questions as they come up — so nothing falls through the cracks.

Offer to Completion

Once the offer lands, we keep the process moving and make sure you know exactly what's happening and what comes next.

★★★★★

"Everything was explained clearly from the first call. We knew our options, had the documents ready, and felt completely supported all the way through to our mortgage offer."

— Ayesha, Birmingham

Common Questions

Questions buyers and landlords
actually ask.

How much can I borrow?

That depends on your income, commitments, deposit, credit profile and the lender's affordability model. A proper review with Rebecca gives you a realistic range before you make any decisions.

When should I remortgage?

Most borrowers start reviewing options around six months before their current deal ends — enough time to compare products properly and avoid being pushed into a decision under pressure.

Do I need a perfect credit score?

No. Different lenders treat credit history very differently. The key is understanding what happened, when it happened, and which lenders are still likely to say yes.

Can you help if I'm self-employed?

Yes. Self-employed cases need careful handling — accounts, tax calculations, company structure, retained profits, income history. Rebecca packages these properly for the right lenders.

Does it cost anything to get advice?

The initial conversation is free. Any broker fees will be explained clearly and upfront before you commit to anything — no hidden costs, no surprises.

Can I get a mortgage through Asif directly?

Asif connects you with Rebecca Layton, a whole-of-market independent broker. You get the relationship you already have with Asif, plus the technical expertise of a dedicated mortgage professional.

Ready to Talk?

Let's find the right mortgage for
your situation.

One conversation with Asif and Rebecca can give you a clear picture of your budget, your options, and the most sensible next step — without the noise.