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Local mortgage advice with support every step of the way
If you’d like personalised mortgage advice, then give us a call! We’ll guide you through the journey from beginning to end!
Your Journey
Your Journey
About Andrew
I set up ACC Associates over 15 years ago because I believed there was a better way to help people arrange their mortgage and protect the people who matter most to them.
After more than 30 years working in financial services, I've learned that great mortgage advice is about finding the right mortgage for your circumstances, explaining everything in plain English and making the whole journey as straightforward and stress-free as possible.
That's why I take the time to understand what's important to you before recommending the most suitable mortgage and protection. As an independent mortgage adviser, I search across the market to find the right solution for your needs, whether you're buying your first home, moving house, remortgaging or your circumstances are a little more complex than average.
Having made Calne my home in 2016, I'm proud to help people and families across the local area with one of life's biggest financial decisions. You'll always deal directly with me from our first conversation through to completion. I'll keep you updated, explain each stage in plain language and make sure you always know what happens next.
My aim is simple: to find you the right mortgage, give you honest advice and make the whole process feel as straightforward and reassuring as possible, so you can move forward with confidence knowing someone experienced is looking after things for you.
Why choose ACC Associates?
The clear choice to help you take your next steps
Our smooth mortgage process...
Talk
We'll chat about your plans and any hurdles you've had so far.
Solution
We'll find the right mortgage for you and secure an agreement.
Ready to begin?
Mortgages
Mortgage advice tailored to your plans
Whether you're buying, moving, or reviewing your current deal, explore clear and considered guidance to help you move forward with confidence.
What type of rates are available?
A fixed-rate mortgage means the interest rate stays the same during a set period of time, usually between 2 and 5 years – although some lenders offer fixed rates of 10 years or more. This stability can be great if you like the certainty and peace of mind of knowing that your mortgage payments will stay the same.
A tracker mortgage charges an interest rate that is usually a few percentage points higher than the Bank of England’s base rate. The mortgage will then “track” the base rate, which means that your monthly payments could rise and fall in line with any changes.
A discounted variable rate mortgage is similar to a tracker mortgage, but rather than being linked to the Bank of England’s base rate, it is set at a fixed percentage below the lender’s standard variable rate (the SVR). The mortgage will then follow the lender’s SVR, and your payments could rise and fall, depending on how their SVR changes.
A standard variable rate mortgage follows the lender’s SVR, without any discount. You’ll automatically go onto this type of mortgage at the end of any introductory fixed, tracker or discounted deal.
What type of mortgage are you looking for?
Helping you choose the right option with confidence
Ready to begin?
Financial Protection
Protecting what matters, now and in the future
Explore a range of protection options designed to provide reassurance for you, your family, and your financial commitments.
Your life, your protection plan
I understand that everyone’s situation is different, and that’s why I believe in providing a truly tailored approach to protection. Each individual and family has unique needs, goals, and concerns, and a one-size-fits-all solution simply doesn’t work when it comes to securing your financial future.
To ensure you get the right level of coverage, I offer a wide range of protection products that can be customized to fit your specific circumstances. Whether you're looking to protect your family’s income, safeguard your home and belongings, or secure a legacy for your loved ones, my goal is to provide you with options that are as unique as your situation.
What terms are available?
A Fixed Term policy provides cover for a set number of years — for example 10, 20, or 30 years. The policy ends when the term finishes, and no further premiums are due. This structure is commonly used to match the length of a mortgage or other financial commitments.
With Level Cover, the amount insured remains the same throughout the entire policy term. This is ideal when you need a consistent payout amount, such as providing a fixed lump sum for your family or clearing an Interest‑Only mortgage.
A Decreasing policy reduces in value over time, usually in line with a repayment mortgage balance. It’s designed to ensure that if a claim is made, the remaining mortgage can still be paid off — often making it a cost‑effective option.
Increasing policies protect your cover amount against inflation by rising each year, typically linked to RPI or a fixed annual percentage. This helps keep your protection in line with the real cost of living over long periods.
A Renewable Term policy lets you extend the cover at the end of the initial term without new medical underwriting. This can be useful if your circumstances change or if you want flexibility to continue cover for longer.
Convertible Term policies allow you to convert your term cover into a whole‑of‑life policy at any point during the term, again without medical assessment. This gives you long‑term flexibility should your protection needs evolve.
What type of protection are you looking for?
Helping you choose the right option with confidence
Ready to begin?
Home-Mover
Making your next move with confidence
Explore your mortgage options when moving home, so you can plan ahead with clarity and reassurance.
What is a home mover mortgage?
A home mover mortgage is for individuals who already own a property and are looking to move to a new one. There are different approaches available, including transferring an existing deal or arranging a new mortgage. Options will depend on both your current lender and those available across the market.
My role is to set out the key information so you can see how each option works. This supports you in making a decision consistent with your circumstances and future plans.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
This is called “porting.” Many mortgages allow it, and I can help you check if it’s possible and worthwhile.
Not always — it depends on your current deal, your circumstances, and whether you need to borrow more.
Lenders reassess affordability when you move. I’ll calculate what you can borrow before you make any commitments.
Not directly, but applying for a new mortgage will involve a credit check, which is normal.
There are more moving parts — selling, buying, and possibly porting a mortgage. I’ll guide you through each step to keep everything straightforward.
Ready to begin?
Life Insurance
Protecting those who matter most
Explore life cover options designed to provide financial reassurance for your family and loved ones.
What is life insurance?
Life insurance is a type of policy designed to pay out a sum of money if the person covered passes away during the policy term. There are different types of life insurance available, each with its own features and eligibility criteria. The right option will depend on your personal circumstances, financial commitments, and long-term intentions.
My role is to set out the key information so you can understand how each option works. This supports you in making a decision that reflects your circumstances and future plans.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
It pays out a lump sum if you pass away during the policy term, helping to protect your family financially.
This depends on your income, debts, mortgage, and what financial support you want your family to have.
Many people choose a term that matches their mortgage or until their children become financially independent.
Often not, but it depends on your age, health, and the level of cover you apply for.
Some policies allow changes; others don’t. I’ll help you choose something that suits your future plans.
Ready to begin?
Buy-To-Let
Supporting your property investment plans
Understand the considerations around buy-to-let mortgages, with insight to help you make informed decisions.
What is a buy-to-let mortgage?
A buy-to-let mortgage is intended for those purchasing a property to rent out, rather than to live in themselves. These mortgages often have different criteria to residential lending, including rental income considerations and deposit requirements. Availability and terms vary between lenders.
My role is to outline the key information so you can understand how each option works. This helps you make a decision that reflects your financial position and long-term plans.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
These mortgages are based on rental income rather than your personal income and often require a larger deposit.
Typically 20–25%, but some lenders may accept less depending on circumstances.
Not always, but many lenders prefer landlords to already own a residential property.
They usually expect the rental income to cover the mortgage payments by a certain percentage — I’ll calculate this for you.
You would need to switch to a residential mortgage before moving in. I can advise you on the process.
Ready to begin?
First Time Buyer
Helping you take that first step onto the property ladder
Understand your options as a first-time buyer, with clear guidance to support you through the process from start to finish.
What is a first-time buyer mortgage?
A first-time buyer mortgage is designed for those purchasing their first property. Lenders offer a variety of options tailored to buyers who may have smaller deposits or limited credit history. Criteria and features vary between lenders, and eligibility will depend on individual circumstances.
My role is to set out the key information so you can understand how each option works. This supports you in making a decision that reflects your circumstances and future plans.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
A first‑time buyer mortgage is designed for people purchasing their first home. These deals often come with competitive rates, lower deposit options, or incentives to help you onto the property ladder.
Most lenders ask for at least 5–10%, but the more you can put down, the better the rates you’ll usually get.
This depends on your income, outgoings, credit history, and the lender’s affordability checks. I can help you work out a realistic figure before you start viewing properties.
Common costs include your deposit, valuation fee, solicitor fees, and potentially stamp duty. I’ll talk you through everything so you’re never caught off guard.
Simply reach out to me. I’ll guide you through budgeting, mortgage options, and the application from start to finish.
Ready to begin?
Remortgage
Reviewing your mortgage, on your terms
Consider your options when your current deal comes to an end, with guidance to help you plan your next steps with confidence.
What is a remortgage?
Remortgaging normally means replacing your current mortgage with a new mortgage from a different lender. Moving to another deal with your existing lender is usually known as a product transfer. Depending on your circumstances, both options may be worth considering. A product transfer can sometimes be a straightforward option if you are happy to remain with your current lender. However, it will only show you the deals available from that lender.
As an independent mortgage adviser, I can look across the wider market and compare suitable options from a range of lenders. That means you can consider whether staying with your current lender or moving to a new one is the better fit for your needs and future plans. My role is to explain the options clearly; answer any questions and help you make an informed decision with confidence.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
Most people look to remortgage when their current deal is ending, or when they want to reduce monthly payments or raise funds.
Yes, but there may be early‑repayment charges. I’ll check your current terms to see if it’s worthwhile.
Most lenders will carry out a property valuation during the remortgage process to confirm your home’s current value.
In some cases, yes — but it’s not right for everyone. I’ll help you weigh the pros and cons based on your situation.
Most remortgages complete within 4–8 weeks, depending on lender processing times.
Ready to begin?
Critical Illness Cover
Support when you need it most
Consider cover designed to provide a financial cushion if you're diagnosed with a specified serious illness.
What is critical illness cover?
Critical illness cover is designed to pay out a lump sum if you are diagnosed with a specified serious condition during the policy term, subject to policy definitions. The conditions covered and the terms involved will vary between insurers.
My role is to set out the key features so you can understand how critical illness cover works alongside or separately from life insurance. This supports you in making a decision that reflects your circumstances and future plans.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
It pays a lump sum if you’re diagnosed with a serious condition listed in the policy, such as cancer, heart attack, or stroke.
No — critical illness cover pays if you survive a serious diagnosis, not if you pass away.
No. Conditions vary between providers. I’ll help you compare what matters most.
Yes, many people combine the two for broader protection.
You can use it for anything — treatment, bills, adapting your home, or easing financial pressure.
Ready to begin?
Income Protection
Helping protect your income
Explore options that could provide support if you're unable to work due to illness or injury.
What is income protection insurance?
Income protection insurance is designed to provide a regular income if you are unable to work due to illness or injury. Policies vary in terms of waiting periods, benefit levels, and duration of cover.
My role is to explain how these policies work so you can assess how they may support your financial stability. This supports you in making a decision that reflects your circumstances and future plans.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
It pays you a monthly income if you can’t work due to illness or injury.
Most policies cover a percentage of your income — usually 50–70%.
Until you recover, return to work, or reach the end of the benefit period you choose.
No — income protection pays monthly, while critical illness cover pays a lump sum.
It depends on the condition and provider. I’ll explain your options clearly.