# AM Mortgage & Financial Services Ltd

Established in 2000 and based in Sittingbourne, AM Mortgage & Financial Services is an independent financial advisory firm dedicated to helping clients achieve financial independence and security. Founded by Managing Director Angela Melanophy, the company serves individuals seeking personalised guidance across mortgages, investments, pensions, and life planning.

The firm specialises in comprehensive financial planning that considers clients' complete financial picture. They analyse existing products—pensions, investments, mortgages and life assurance—before making recommendations, adopting the principle that existing arrangements are suitable unless demonstrably improved alternatives exist. This contrasts sharply with high-pressure sales approaches, reflecting their philosophy of sitting "on the same side of the table" as clients.

What sets AM Mortgage & Financial Services apart is their commitment to personal, bespoke service. Rather than operating as a large, impersonal institution, they maintain a deliberately small structure—two advisers and a support team—ensuring clients receive genuine one-to-one attention and continuity of care. They survey the whole market to identify genuinely appropriate solutions, remain open to new developments, and prioritise client wellbeing over commission-driven recommendations.

Their service extends across financial planning, mortgage services, estate planning, later-life planning, and investment advice. They offer no-cost, obligation-free initial consultations at their Sittingbourne office, appealing to both new and existing clients seeking to review or optimise their financial arrangements. Client testimonials emphasise the welcoming, priority service experience they provide.