Business Details
Expert Mortgage Brokers in Huntingdon & Cambridge
Expert Financial is a dedicated mortgage brokerage firm serving clients in Huntingdon, St Neots, and Cambridge. With access to over 80 lenders and 15,000 mortgage schemes, we specialise in finding competitive rates tailored to individual circumstances, including Shared Ownership, Complex Income, and Bad Credit scenarios. Our team of experienced professionals, including former stockbrokers and certified mortgage consultants, prioritises client needs by offering impartial advice and handling all administrative processes.As an FCA-regulated entity, we ensure compliance with financial standards while maintaining transparency through no client fees, as we are compensated directly by lenders. Our approach combines market expertise with a commitment to simplifying the mortgage process for first-time buyers, investors, and those seeking remortgage solutions.
Services
Shared Ownership Mortgages
Complex Income Mortgages
Bad Credit Mortgages
Equity Release
Mortgage Review
Life Insurance
Home & Contents Insurance
Highlights and features
- We offer access to 80+ lenders and 15,000 mortgage schemes for tailored solutions.
- Our team includes FCA-regulated experts with backgrounds in finance and stockbroking.
- No client fees we are paid directly by lenders upon successful applications.
- Specialist knowledge in Shared Ownership, Complex Income, and Bad Credit mortgages.
- We streamline the mortgage process with end-to-end support from application to completion.
Services
Shared Ownership Mortgages
Shared Ownership allows buyers to purchase a property share (25-75%) and pay rent on the remaining portion. Ideal for those unable to afford full ownership, this service reduces upfront costs while offering flexibility to increase ownership over time. Expert Financial provides tailored advice to navigate eligibility criteria and secure optimal terms.
Complex Income Mortgages
Designed for self-employed individuals or those with non-traditional income streams, this service assesses affordability using detailed financial documentation. Expert Financial works with lenders accommodating variable income sources, ensuring fair evaluation and access to competitive rates for clients with complex financial profiles.
Bad Credit Mortgages
This service caters to clients with past credit issues, such as missed payments or County Court Judgments. Expert Financial partners with lenders specialising in adverse credit cases, offering tailored solutions to rebuild financial stability while securing mortgages at reasonable rates based on improved lending criteria.
Equity Release
Equity Release enables homeowners aged 55+ to unlock cash from their property without monthly repayments. Expert Financial provides impartial advice on lifetime mortgages, ensuring clients understand the impact on inheritance and eligibility for means-tested benefits while securing competitive rates.
Mortgage Review
This service evaluates existing mortgages to identify better rates or terms, particularly for clients nearing the end of fixed or tracker deals. Expert Financial analyses the market to reduce payments, consolidate debt, or adjust loan structures, ensuring clients benefit from current market conditions.
People
Matt Hays
Director
Former stockbroker with over 15 years in mortgage advisory, specialising in independent advice for first-time buyers and investors. Established Expert Financial to expand access to competitive mortgage solutions.
Sam Shortt
Director
Joined Expert Financial in 2013, became Director in 2017. Focuses on client education, particularly for first-time buyers, ensuring clarity in mortgage processes and long-term financial planning.
Paul McGeoch
Senior Mortgage Consultant
Transitioned to mortgage advisory in 2019, specialising in complex cases. Recognised for client-centric approach and success in securing mortgages for clients with non-standard financial profiles.
Yasmin Aboujieb
Mortgage Consultant
Certified Shared Ownership specialist with expertise in guiding clients through eligibility and application processes. Joined Expert Financial in 2019 after excelling in back-office support roles.
Lucy Nugent
Case Manager
Joined in 2021, providing administrative and client support. Skilled in streamlining mortgage applications and enhancing customer service through efficient case management and communication.
Questions
What mortgage services do you offer?
We provide Shared Ownership, Complex Income, Bad Credit, and Equity Release mortgages, alongside remortgage reviews and insurance solutions.
Are your services free for clients?
Yes, we charge no upfront fees. Lenders compensate us directly upon successful mortgage applications.
How do you find competitive mortgage rates?
With access to 80+ lenders and proprietary software, we identify exclusive deals unavailable through high-street banks.
Can you assist with insurance policies?
We offer life, home, and contents insurance, securing competitive rates through our lender partnerships.
Are you regulated by the FCA?
Yes, we operate as an Appointed Representative of JLM Mortgage Network Ltd, authorised and regulated by the FCA.
