Business Details
Expert Mortgage & Protection Advice in Kings Lynn
At P A B Mortgages, we pride ourselves on delivering independent mortgage and protection advice tailored to meet individual client needs. Established in Kings Lynn, our team of experienced advisors provides whole-of-market access to ensure clients secure the most competitive mortgage deals available. We specialise in simplifying complex financial processes, offering exclusive rates, home visits, and lifetime mortgage support. Our reputation for exceptional service is evidenced by the high volume of client referrals we receive.With a focus on transparency and client-centric solutions, we assist first-time buyers, portfolio landlords, and those seeking remortgage opportunities across the UK. Our commitment to ongoing support throughout the mortgage lifecycle ensures clients maintain optimal financial positions. By combining industry expertise with personalised service, we aim to make property transactions stress-free while maintaining the highest standards of professionalism and regulatory compliance.
Services
First Time Buyers
Remortgage
Buy To Let
Life Insurance
Critical Illness Cover
Highlights and features
- We offer whole-of-market access to every lender ensuring you get the best deal
- We provide exclusive deals better than going direct to your bank
- We conduct home visits at times convenient for clients
- We maintain lifetime mortgage support for ongoing client needs
- Our business receives 95% of clients through referrals
What people say
Brilliant service
5* service
Highly recommend
Stress free process
Personalised support
Services
Mortgage Advice
Our mortgage advisory service provides comprehensive guidance across all property types. We assess individual financial circumstances to recommend suitable mortgage products from our whole-of-market panel. Clients receive tailored advice on first-time purchases, remortgaging, buy-to-let investments, and portfolio management. Our FCA-regulated advisors ensure compliance with all regulatory requirements while maintaining a focus on securing competitive rates and optimal loan terms.
Life Insurance
We offer life insurance solutions that protect against financial risk to your home or estate. Our policies provide lump sum payouts upon death, designed to settle mortgages or loans while supporting surviving dependants. We help clients select appropriate coverage levels and policy terms, balancing protection needs with affordability to ensure financial security for loved ones.
Critical Illness Cover
Our critical illness cover provides financial protection against serious medical conditions. Policies deliver tax-free lump sums upon diagnosis of specified illnesses, helping maintain financial stability during treatment periods. We advise on appropriate coverage amounts and policy definitions, ensuring clients understand exclusions and claim criteria while maintaining existing mortgage commitments.
Income Protection
We provide income protection policies that ensure financial stability during work incapacity. Our solutions offer tax-free monthly payments when clients cannot work due to illness, injury, or unemployment. We help determine suitable benefit amounts and deferment periods, ensuring ongoing financial security while maintaining policy affordability through tailored coverage terms.
Buy To Let Mortgages
Our buy-to-let mortgage service caters to property investors seeking competitive financing solutions. We specialise in portfolio management, helping landlords secure optimal rates across multiple properties. Our advisors provide guidance on tax implications, rental income requirements, and lender-specific criteria while ensuring compliance with regulatory standards for investment property financing.
People
Philip Younge
Director
With extensive experience in mortgage advisory services, Philip leads P A B Mortgages' strategic direction. He specialises in complex mortgage solutions and regulatory compliance, ensuring the firm maintains its reputation for exceptional service standards across the UK.
Irena Tarvida
Mortgage Advisor
Fluent in four languages, Irena provides expert mortgage advice to diverse client groups. Her multilingual capabilities support international clients navigating UK mortgage markets, combining technical expertise with culturally sensitive communication to deliver tailored property financing solutions.
Dominic Younge
Mortgage Advisor
Dominic combines mortgage expertise with a client-focused approach, specialising in first-time buyer schemes and portfolio lending. His active lifestyle approach translates into energetic client support, delivering timely mortgage solutions while maintaining rigorous financial analysis standards.
Marion Egun
Protection Advisor
Marion specialises in insurance solutions, helping clients secure appropriate life cover and income protection policies. Her background in financial risk management ensures clients receive balanced advice on protecting assets and income streams through tailored insurance products.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let financing, portfolio lending, and commercial mortgage solutions with whole-of-market access.
Are you regulated by financial authorities?
Yes, we operate as appointed representatives of The On-Line Partnership, authorised and regulated by the Financial Conduct Authority under reference 192638.
Do you charge fees for mortgage advice?
Our mortgage advisory service is typically fee-free as we receive commission from lenders, though specific complex transactions may incur agreed charges.
Can you help with insurance products?
We offer life insurance, critical illness cover, income protection, and home insurance solutions, providing impartial advice to match your protection needs.
Do you provide nationwide service?
While based in Kings Lynn, we serve clients across the UK through remote consultations and home visits within reasonable travel distance.
What makes you different from other brokers?
We combine whole-of-market access with lifetime mortgage support, exclusive lender deals, and home visits at client-convenient times for comprehensive property financing solutions.
Reviews (1)
Poppy Maude
Jun 24, 2025
Report
I can't thank Phil enough or his help sorting our mortgage, he made the process so easy and went above and beyond to help us find the best deal. There was no charge as payment is done via commission. Would recommend these guys to anyone looking to move or remortgage.
