Our Mortgage Services
We offer mortgages for first-time buyers, home movers, remortgages, buy-to-let investors, shared ownership, new-build, self-employed, complex income, and bad credit clients across St Ives, Cambridge, Huntingdon, and St Neots.
Mortgage Protection
Looking after your family and your future is about more than just today. Having the right protection in place can give you peace of mind, knowing that you and your loved ones would be financially supported if life took an unexpected turn. Life insurance can help provide security for those closest to you, critical illness cover offers support if you were diagnosed with a serious condition, and income protection can help maintain your lifestyle if illness or injury meant you were unable to work. Together, these covers are designed to ease financial worry at difficult times, so you can focus on what really matters.
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Learn more about Equity Release
Equity release lets you access some of your home’s value as a tax-free lump sum without moving out or giving up ownership. You can choose to make repayments, but it’s not required. The loan is typically repaid when the last borrower dies or enters long-term care.
We had the pleasure of working with Lucy and Matt as our mortgage advisors, and I can't recommend them enough! From the very beginning, they were incredibly professional, attentive, and on top of
Can't fault Expert Financial in guiding me through the process of a mortgage & protection as a first time buyer. Would highly recommend for anyone unsure where to start!
Cannot recommend Elliot highly enough. Fab communication from start to finish and answered all our questions perfectly. He is extremely knowledgable and made the whole process super smooth. Thank you so much!
Outstanding service from Elliot. From start to finish, he was professional, knowledgeable, and genuinely supportive. He took the time to explain every step clearly, answered all my questions with patience, and made what
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Looking after your family and your future is about more than just today. Having the right protection in place can give you peace of mind, knowing that you and your loved ones would be financially supported if life took an unexpected turn. Life insurance can help provide security for those closest to you, critical illness cover offers support if you were diagnosed with a serious condition, and income protection can help maintain your lifestyle if illness or injury meant you were unable to work. Together, these covers are designed to ease financial worry at difficult times, so you can focus on what really matters.
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Looking after your family and your future is about more than just today. Having the right protection in place can give you peace of mind, knowing that you and your loved ones would be financially supported if life took an unexpected turn. Life insurance can help provide security for those closest to you, critical illness cover offers support if you were diagnosed with a serious condition, and income protection can help maintain your lifestyle if illness or injury meant you were unable to work. Together, these covers are designed to ease financial worry at difficult times, so you can focus on what really matters.
Heading
Looking after your family and your future is about more than just today. Having the right protection in place can give you peace of mind, knowing that you and your loved ones would be financially supported if life took an unexpected turn. Life insurance can help provide security for those closest to you, critical illness cover offers support if you were diagnosed with a serious condition, and income protection can help maintain your lifestyle if illness or injury meant you were unable to work. Together, these covers are designed to ease financial worry at difficult times, so you can focus on what really matters.
Frequently asked questions
Welcome to the Expert Financial Help Centre. Here you will find a list of useful information and a list of frequently asked questions. If you can’t find what you are looking or wish to talk to us directly please use any of the methods on our contact us page to get in touch or call us now on 01480 718719.
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If you would like to read our complaints policy visit our complaints policy page.
Do you charge for your advice?
A: In most cases our costs are covered by the commission we receive from a lender. For smaller mortgages, complex cases or shared ownership, we may charge a fee – please contact us for details.
Are you independent?
Yes, we are completely independent and have no ties to any bank or outside company. All advice is given solely with your best interests in mind.
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What is equity release?
Equity release allows you to unlock the value built up in your home as a tax-free lump sum. There’s no need to move out of the property and you’ll still own your home. With equity release, there are no requirements to make monthly payments, unless you choose to. The loan is usually repaid when the last borrower moves into long term care or dies.
Lifetime mortgages are the most popular type of equity release product and are available to single or joint homeowners who are aged 55 or over.
Why choose equity release?
Some of the most popular reasons homeowners give for wanting to release equity include:
- paying for new improvements to your home.
- helping a family member purchase their first property.
- consolidating other debts.
- taking a large family holiday.
- making a large purchase, such as a new car.
Taking out a lifetime mortgage provides the opportunity to do this without having to resort to other financial options, dip into a pension or sell your home.
