AFP Partnership

Mortgage broker  Newland Close, Greater London, HA5 4QP
First meeting at adviser's own cost
I am a whole of market mortgage adviser . FCA Ref. 755476 No Broker Fee.
We can advise you on
Buy my next home
Buy to let
Buying first home
High loan to value
Next home / Remortgaging
Right to buy
Self-employed mortgages
Response rating
FCA authorised
Last authorised 20th June 2022
Meet our advisers
MR Dilip Kandaiah
Mortgage Adviser
What our clients say
We were lucky to buy our first home. Dilip was simply perfect, he was always available to answer our questions especially during weekends and late evenings. He is the most professional Mortgage Advisor you can find, he was really supportive along the full process and he is really friendly. YEs, our mortgage has been approved and it was the one we were looking for.
Matteo Sanna, London
I am an IT contractor looking for a mortgage to buy our first property and using a broker is almost a necessity. Dilip was recommended to me through another contractor I work with and I am thankful he was. Dilip was able to secure a mortgage with a high street bank that would otherwise likely ruled me out because I am effectively self employed. Dilip was able to offer me advice from my first phone call about 2-3 months prior to even finding a house, Dilip's knowledge of the contractor mortgage market must be second to none.Dilip clearly and concisely explained the process, what paperwork I would need to provide to qualify and what steps I would need to take to make the best possible application. When the time came to apply for the mortgage Dilip was efficient and proactive dealing with the banks requests. All told, the process to apply took approx 1 hour over a phone call and the mortgage was fully approved the next day....!I would not hesitate in recommending Dilip to friends and family regardless of being contracting, Dilip made what I thought was going to be a stressful task very simple and pain free. What is your current situation? Have you seen the outcome you were hoping for? Yes, we were fully offered a mortgage the next day when the valuation was completed. What could they have done better? Hmmm... very little. From the outset Dilip was quick to respond to questions no matter the time of day. This was great as I am not always able to get away from work. The process was very simple, quick and efficient.
Mark, Uxbridge
What were the circumstances that caused you to look for a Mortgage Adviser? We were in the process of buying a house and had been working with a broker recommended through our estate agent. After a couple of weeks of number-crunching we made an offer which was accepted. However, when the mortgage application was submitted it was declined! We were baffled as we had no history of credit problems and both my husband and I were in steady employment. Our broker spent a few days looking around, coming back to us with a product with extortionate rates and fees. It was a wrenching decision as we didn't want to pull out of the chain but we couldn't justify the costs, the five-year commitment and the broker's fees on top. We turned down the mortgage and thought that was the end of the line. However, a friend who had moved recently then recommended her broker, Dilip; so, rather tentatively, and cynically, I contacted him. How did Dilip Kandaiah help you? Dilip was incredibly understanding from the outset. I explained our situation and he calmly and professionally talked me through our options. We spoke on the phone for about 40 minutes and I gave him the basic information he needed. He submitted the application there and then and called me back ten minutes later with the accepted offer from a reputable high street lender! I was so grateful and relieved that the months of house-searching and viewings hadn't been a waste of time. Dilip and I talked a number of times after that, finalising the the details. He always answered my calls and emails without delay and forwarded me any and all of the information he received from our lender. I was kept in the loop throughout the process. Whenever he required documentation, he made it easy for me to get it to him and made the whole process smooth and stress-free; not the chaotic and arduous experience I had had previously. He was very personable and helpful and made time to answer all my queries and queries, even down to the basic definitions of the financial lingo!. What is your current situation? Have you seen the outcome you were hoping for? We now have a closed chain and the process is moving along nicely. We are looking forward to moving into our new home in the next few weeks. What could they have done better? I can't think of anything!
Clare, Watford
What were the circumstances that caused you to look for a Mortgage Adviser? My mum and I went directly to the bank for a mortgage and HSBC offered us a mortgage but they could only offer us a 11 year mortgage due to my mums age at a monthly payment we both could not afford, so I decided to turn to a broker instead. How did Dilip Kandaiah help you? I found Dilip (and very glad I did!!) we talked through mine and my mums circumstance, financial situation and exactly what we was looking for. He listened well and understood the the problems we had with going directly to the bank.He explained everything in an easy fashion that a first time buyers (myself and my mum) could understand. What is your current situation? Have you seen the outcome you were hoping for? I called Dilip on the bank holiday Monday. In that same hour we had the mortgage in principle. In the next hour and a half the full mortgage application was fully submitted. 4 days later mortgage approved, with a 19 year term with monthly payments well within mine and my mums budget. Dilip kept me fully updated throughout the mortgage process even when things were out of his hands and with the bank (e.g. passed to underwriters, application passed to mortgage center, valuation date etc).Without Dilip we would not of got this mortgage. I was so surprised on how quick everything was. He went out of his way to help me on a bank holiday when he didn't have to, that is why I so highly rate Dilip and his services.
Daniel, London
What were the circumstances that caused you to look for a Financial adviser? We were in a position to be looking for a specific mortgage, and needed impartial advice. How did Dilip Kandaiah help you? He always acted proactively for us, making calls and enquiries on our behalf, and gathered facts and figures quickly. His experience was obvious and he was always contactable and always answered questions thoroughly, no matter how insignificant they seemed. What is your current situation? Have you seen the outcome you were hoping for? Very much so. What could they have done better? Honestly nothing, Dilip is great at what he does! Very highly recommended.
Timothy, London
Dilip has been absolutely brilliant through out the process. He has ensured the process has been non-tedious and stress free for me. Dilip was very prompt in follow ups and updates between the lender and myself . I would wish him luck to continue on the same trajectory and would also strongly recommend him to my family and friends seeking any financial advice.
Ram, Pinner
I had recently had a bad experience with HSBC and did not want to go through the same lengthy waste of time again. He was always available to answer any questions I may have had and he was very thorough in his answers.Dilip made the experience if getting a mortgage,stress free .I wouldn't hesitate to recommend him and use him again in the future . I have received the outcome I was hoping for and am very happy with the service that Dilip provided.
Nicole Smith, Hayes
My son and I went to Dilip for help with a mortgage for my son but ended up not only getting advice for my son but with a remortgage for myself. We initially met with Dilip for a mortgage for my son who is a first-time-buyer and we received prompt and excellent advice. However, Dilip went beyond this and advised me that I could remortgage my home to buy another property - something I had not thought about or did not even realise was possible. Dilip takes a very personal interest in everyone he comes across. Yes. Within a few short weeks, I have a remortgage amount which will help me buy a property as a cash buyer. My son's mortgage will soon be completed.
Lenora, St Albans
Looking for a remortgage deal but with special circumstances due to being on probationary period at work and also self employed partner. Dilip sourced the companies that were willing to lend in my special circumstances and with the best rates. Dilip explained everything in full, he was able to answer all of my queries and responded quickly to all emails. Dilip sorted out our remortgage in a very timely manner. All of the documents were submitted and the whole process has only taken a week due to Dilip being very proficient in his job.
Kim jones, Watford
We needed a Buy to Let Mortgage as we had seen a property we liked. We were on a tight time-scale . I approached Dilip on Wed and Thursday the application was done over the phone. I was pre approved straight away . Surveyor was in on Monday from the mortgage lender. Dilip was efficient ,comprehensive and very very professional. He told us what we needed to have ready, was constantly updating us advised us all the way . Yes, the Mortgage approved and the property is going through solicitors.
Divya, Edgware
Dilip was recommended to me after a previous mortgage advisor said that they could not achieve the level of borrowing we required to purchase the property we had found. Dilip listened to the facts, teased a few more out of me, and located two excellent mortgage offers for us. Dilip was consistently patient and very clear in his communication. Amazingly he even managed to make the process of ploughing through various mortgage applications fun with some good anecdotes!
Victoria, London
We wanted to get on the property ladder and needed a mortgage. 24/7 availability to answer all of our concerns and questions. Given our requirements, the whole process went very smoothly and Dilip always provided excellent advice. We could not have done it without him. Yes. Mortgage offered
Clare, London
Dilip was very helpful. He found me a great mortgage with a good rate and then due to issues with the purchase helped me to get an extension on the offer a number of times. He was always available and very prompt at getting back to me, even when he was away!
Hayley, Watford
I was looking for mortgage and needed help from an expert. Dilip has been absolute super star from the time he started working on my mortgage application. He has always been very prompt, thorough and professional in his approach. Dilip studied my circumstances in great detail and discussed those multiple times on calls as there were some complexities involved in my case due to my spouse's visa status. He ensured that he understood everything required and then suggested the lenders who would be appropriate for my case. Finding an appropriate lender, the best product available and going through the mortgage application process can be difficult especially for first time buyers like me. Dilip made it extremely easy and kept me up to date with the status during the entire process which was absolutely handy. I would definitely recommend Dilip as a mortgage adviser to anyone looking for mortgage. The lender agreed the case very quickly, initiated the valuation and I received full mortgage offer soon. This was because the way application was packaged up by Dilip was clear and complete. There had been no queries raised by the lender post the application which means they got what they were looking for in the first instance. I am delighted with the outcome because I got the mortgage approval and that too with the lowest rate possible to save money!.
Vishal, Hounslow
We were confused about the market and needed advice. Dilip is approachable and extremely knowledgable and provided us with an excellent service in finding the best mortgage for us. He did his best to make the whole process stress free and we would have no hesitation recommending him.
Sharon, Bushey
Dilip listened to our requirements and then suggested options, which he explored and reverted with the best and most suitable one for us. He was very clear and consistent in his explanations.He found the best possible deal from a selection, which was not offered by other such professionals we spoke to. We have proceeded with the purchase of the house, assisted by the mortgage found by Dilip. Dilip's advice was most helpful in allowing us to make the final decision. On the basis of this, Dilip has also assisted us in the re-financing of a property for my sister. Both mortgage and the re-finance have been successful and we are more than happy for Dilip's input. I feel that Dilip worked hard to find the appropriate deals for us and kept us fully informed of the progress at all stages. He would make a very good trainer for other trainee financial advisors or mentor.
Harish, Essex
Remortgaging my current property with a view to purchase another property. Dilip asked all of the relevant pre-cursor questions prior to researching the best mortgages for me in terms of my current and future circumstances. Throughout the process Dilip ensured that all of my queries were answered in full and at no time was any question too much. Both mortgage applications were processed in a short timespan and due to Dilip's due diligence, there were no issues with the applications. Mortgages approved and everything has been resolved to a more than satisfactory conclusion.
Hinesh, Eastcote
Dilip is very experienced and knowledgeable when it comes to mortgages. He is approachable, honest and he will do his best to make sure gets the best deal for your particular circumstance. He is also very good at responding to your phone calls/emails which eases the stress of a house purchase!.
Amanda, London
About us

I am a whole of market mortgage adviser and have been providing excellent advice to my clients for over 9 years. I believe in giving honest, impartial and fair advice. I DO NOT CHARGE A BROKER FEE and i am available for consultation 6 days a week including evenings.

Where to find us
Head office address: Newland Close, Greater London, HA5 4QP
Preferred clients
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Face to face
Response rating
FCA authorised
Last authorised 20th June 2022

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