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A&S Mortgages — Scotland · UK-wide

30 years finding solutions other advisors can't.

Alan is one of the UK's most qualified specialist mortgage advisors. Lifetime mortgages, equity release, residential mortgages, and life protection — whole of market, no targets, no pressure. Over a cup of tea if you'd like.

30+
Years' experience
Whole
of market access
FCA
Regulated specialist
A&S Mortgages
Alan Budzynski Specialist Mortgage Advisor
CeMAP Qualified
FCA Specialist Lifetime Mortgage Qualification
30+ Years in Practice
Whole of Market Access
Semi-retired — works with clients he chooses
About Alan

The long way round to the best job in the world.

If you're old enough to remember Woolworths, you already know something about Alan. He started his career there as a manager, then moved into sales with Nestlé — travelling Scotland, learning to sell not through pressure or patter, but by understanding what people actually needed. He was good at it.

Then came the chapter that most Scots of a certain age will smile at.

Remember Garvies? Those glass bottles of juice the guy used to pick up in the van? Alan ran that business with his business partner Ronnie Garvie. Good times. But supermarkets selling plastic bottles for pennies meant they had to sell up.

He could have walked away from business entirely. He didn't.

Instead, he retrained. He studied for his CeMAP, went into practice, and became the top salesman in his company. He went on to train mortgage advisors. Then he went further — earning the FCA's specialist lifetime mortgage qualification that the vast majority of advisors in the UK simply don't hold. Three decades on, Alan is one of the most qualified mortgage advisors in Scotland. Semi-retired now, working with clients he chooses. No office, no targets.

Alan has never once sold a product he didn't believe in. His entire career has been built on one simple principle: he doesn't get paid unless he saves you money or solves your problem. That's how he's always worked. That's how he still works.

Away from the desk, Alan has spent years exploring the world on his Harley Davidson — the kind of riding that takes you well off the tourist trail. He had a real passion for speedway racing when he was younger, and has spent time in more recent years passing it on — helping train his grandsons to race competitively under the Millar Racing banner, with the boys going on to ride for Edinburgh Monarchs. Those who know Alan outside of work describe the same quality that defines him at work: he does things properly, or not at all.

If you'd like to talk, he'll put the kettle on. Beige tea. One sugar. Biscuit on the side.

Alan, A&S Mortgages

Alan's photo
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Alan Budzynski CeMAP Qualified • FCA Specialist • 30 Years in Practice
FCA Regulated — FCA No. [NUMBER]
Specialist Lifetime Mortgage Qualification
Whole of Market Access
CeMAP Qualified
30+ Years' Experience
What Alan can help with

One advisor. Whole of market.

Alan advises across the full range of mortgage and protection products — with whole of market access and no allegiance to any lender. Whatever your situation, he'll find the right answer.

01
Specialist qualification required

Lifetime Mortgages & Equity Release

If you're approaching retirement or facing the end of an interest-only mortgage term, a lifetime mortgage may be the solution most advisors haven't told you about — because most advisors can't legally advise on them. Alan holds the specialist FCA qualification that makes this possible.

Find out more →
02
Whole of market

Residential Mortgages

Whether you're buying your first home, moving, or looking to remortgage at a better rate — Alan compares every available product from every lender and recommends what's right for your situation. No allegiance to any bank. No targets to hit. Just the right mortgage.

03
Whole of market

Life Insurance & Protection

Life cover, critical illness insurance, income protection — the products that look after your family if the unexpected happens. Alan has spent 30 years helping clients understand what they actually need (and what they don't). He'll cut through the noise and find you the right cover at the right price.

04
Specialist advice

Complex & Unusual Cases

Other brokers said no. Banks turned you away. It's not always the end of the road — sometimes it just means you need someone with 30 years of experience who's seen every scenario and knows which lenders specialise in unusual situations. Alan has been the last resort who became the right answer more times than he can count.

Client stories

What clients say about working with Alan.

★★★★★

"[Placeholder testimonial — awaiting real client quotes from Alan]"

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★★★★★

"[Placeholder testimonial — awaiting real client quotes from Alan]"

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★★★★★

"[Placeholder testimonial — awaiting real client quotes from Alan]"

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Get in touch

Beige tea. One sugar. A biscuit on the side.

Every conversation starts the same way — with a cup of tea and no agenda.

Alan's first call is always free, always confidential, and always completely without obligation. He'll listen to your situation, tell you what's possible, and give you his honest opinion — even if the honest answer is that he can't help and someone else can.

He's been doing this for 30 years. He's seen most situations. And he charges nothing for that first conversation.

What happens on a first call

  • You tell Alan your situation in your own words — no forms to fill in first, no homework required
  • Alan explains what's possible, what the options look like, and what the process involves
  • You decide whether to proceed — zero obligation, zero pressure
  • If Alan can't help, he'll tell you who can
Or call Alan directly
Mon to Fri, 9am – 6pm

Free • Confidential • No obligation • We will never pass your details to third parties

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Alan will be in touch at your chosen time. He looks forward to speaking with you.

Book a Free Call Call 0800 047 4848