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Here Are The Top 10 Independent Mortgage Advisers in Cambridge.
| Varsity Finance Ltd | 20 Station Road, Cambridge, CB1 2JD | 01223 627999 | help@varsityfinance.co.uk | https://www.varsityfinance.co.uk/ |
| Absolute Sense Independent Financial Advisers Limited | 24 Market Street, Ely, CB7 4LS | 01353 880033 | generalenquiries@absolutesense.co.uk | http://www.absolutesense.org/ |
| Limetree Financial Services Limited | 4 Trust Court Vision Park Histon Cambridge CB24 9PW | 01223 266140 | info@limetreefs.co.uk | https://limetreefs.co.uk/ |
| Matrix Financial Limited | No.2 Cobble Yard, Cambridgeshire, CB1 1HP | 01223 365340 | advice@matrixfinancial.co.uk | https://matrixfinancial.co.uk/ |
| Associated Independent Adviser | 44 Chesterton Rd, Cambridge CB4 1EN | 01223 300151 | tony@aiacambridge.com | http://www.aiacambridge.com/ |
| Shire Financial Services Ltd | Surrey House, 41 High Street, Newmarket, Suffolk CB8 8NA | 01223 652116 | advice@shirefinance.co.uk | https://shirefinance.co.uk/ |
| The Cambridge Building Society | Cambridge Bldg Soc, 23-25 High St, Cherry Hinton, Cambridge CB1 9HX | 0345 601 3344 | thecambridge@cambridgebs.co.uk | https://www.cambridgebs.co.uk/ |
| The Mortgage Centre | 2 Station Rd, Haverhill CB9 0EU | 01440 712 833 | info@tmc.uk.net | http://www.tmc.uk.net/ |
How to choose the right mortgage advisers in Cambridge for your needs
When choosing the right mortgage adviser for your needs, here are some key factors to consider:
Look for whole-of-market mortgage advisers in Cambridge.
One of the most important things is to find a mortgage adviser that has access to the entire mortgage market, not just a limited panel of lenders. A whole-of-market adviser can compare products from all available lenders to find the best deal tailored to your specific circumstances.
Ask about direct-only deals
Some mortgage products are only available if you apply directly with the lender, not through an adviser. A good adviser should inform you about any direct-only deals that could potentially be cheaper for you, even though they can’t arrange those mortgages themselves.
Consider the type of adviser
You have the choice between traditional mortgage brokers who provide face-to-face or phone advice, and online/digital mortgage advisers in Cambridge that operate through websites and apps. Evaluate which approach suits your preferences and needs.
Check their qualifications and regulation
Make sure the mortgage advisers in Cambridge are qualified, regulated by the Financial Conduct Authority (FCA), and follows industry standards. This ensures you receive professional, unbiased advice. Advisers who are members of bodies like the Association of Mortgage Intermediaries (AMI) are a good sign.
Understand their fees and commissions
Mortgage advisers in Cambridge may charge fees (flat rate, percentage-based, or hourly) or receive commissions from lenders, or both. Get full transparency on their fee structure and how they are compensated before engaging them.
Assess their expertise and customer service
Look for mortgage advisers in Cambridge with expertise in your specific situation, such as first-time buyers, self-employed, or complex financial circumstances. Read reviews, get recommendations, and ensure they can provide the level of guidance and support you need throughout the process.
By considering factors like whole-of-market access, qualifications, fees, expertise, and customer service, you can increase your chances of finding the right mortgage adviser to secure the best mortgage deal for your unique needs
What questions should i ask mortgage advisers in Cambridge before hiring them?
When considering hiring mortgage advisers in Cambridge, it’s important to ask the right questions to ensure you find a qualified and reputable professional who can provide the best guidance and options for your specific circumstances. Here are some key questions you should ask a mortgage adviser before hiring them:
1. Are you authorized and regulated by the Financial Conduct Authority (FCA)?
Ensure the advisers in Cambridge are properly authorised and regulated by the FCA to provide mortgage advice. You can verify their status on the FCA register.
2. Are you a whole-of-market adviser?
Ask if the advisers in Cambridge have access to mortgage products from all lenders across the entire market, not just a limited panel. Whole-of-market access gives you the best chance of finding the most suitable deal.
3. How much do you charge, and how are you compensated?
Understand the adviser’s fee structure upfront, whether it’s a flat fee, percentage-based, or hourly rate. Also, ask if they receive commission from lenders and how this could potentially influence their recommendations.
4. What qualifications and experience do you have?
Inquire about the adviser’s qualifications, years of experience, and areas of expertise (e.g., first-time buyers, self-employed, complex cases).
5. Can you explain the different mortgage types and options?
Good mortgage advisers in Cambridge should be able to clearly explain the various mortgage products, interest rate types, and loan terms to help you make an informed decision.
6. How much can I borrow, and what deposit will I need?
The adviser should assess your financial situation, income, and credit profile to provide an estimate of how much you can borrow and the required deposit amount.
7. What is your process and level of support?
Ask about the adviser’s process, from initial consultation to application and completion, and the level of support and communication you can expect throughout.
8. Do you have professional indemnity insurance?
Ensure the mortgage advisers in Cambridge have professional indemnity insurance in case you need to make a claim for negligent advice.
9. Can you provide references or reviews?
Request references or read reviews from previous clients to gauge the adviser’s reputation and customer satisfaction levels.
By asking these questions, you can better evaluate a mortgage adviser’s qualifications, expertise, transparency, and ability to find the most suitable mortgage product for your needs.
These Cambridge Mortgage Advisers Cover The Following Postcodes.
CB1 to CB10 Postcodes
| CB1 | CAMBRIDGE | Cambridge (Central, South), Teversham (parts of) | Cambridge; South Cambridgeshire |
|---|---|---|---|
| CB2 | CAMBRIDGE | Cambridge (West) | Cambridge; South Cambridgeshire |
| CB3 | CAMBRIDGE | Cambridge (North-West), Girton | Cambridge; South Cambridgeshire |
| CB4 | CAMBRIDGE | Cambridge (North) | Cambridge; South Cambridgeshire |
| CB5 | CAMBRIDGE | Cambridge (East) | Cambridge; South Cambridgeshire |
| CB6 | ELY | Ely (west), Aldreth, Apes Hall, Black Horse Drove, Chettisham, Coveney, Haddenham, Little Downham, Little Thetford, Littleport, Mepal, Pymore, Stretham, Sutton, Wardy Hill, Wentworth, Wilburton, Witcham, Witchford | East Cambridgeshire; King’s Lynn and West Norfolk |
| CB7 | ELY | Ely (east and city centre), Barway, Brandon Bank, Brandon Creek, Broad Hill, Chippenham, Down Field, Fordham, Isleham, Prickwillow, Queen Adelaide, River Bank, Soham, Stuntney, Upware, Wicken | East Cambridgeshire |
| CB8 | NEWMARKET | Newmarket, Ashley, Brinkley, Burrough End, Burrough Green, Carlton, Cheveley, Clopton Green, Cowlinge, Dalham, Denston, Ditton Green, Dullingham, Dunstall Green, Exning, Gazeley, Great Bradley, Kennett, Kentford, Kirtling, Kirtling Green, Lady’s Green, Landwade, Lidgate, Moulton, Ousden, Saxon Street, Six Mile Bottom, Snailwell, Stetchworth, Stradishall, Thorns, Upend, Westley Waterless, Wickhambrook, Woodditton | West Suffolk; East Cambridgeshire; South Cambridgeshire |
| CB9 | HAVERHILL | Haverhill, Barnardiston, Great Thurlow, Great Wratting, Helions Bumpstead, Kedington, Little Bradley, Little Thurlow, Little Wratting, Steeple Bumpstead, Sturmer, Withersfield | West Suffolk; Braintree |
| CB10 | SAFFRON WALDEN | Saffron Walden (north and town centre), Ashdon, Church End, Great Chesterford, Great Sampford, Hempstead, Hinxton, Howlett End, Ickleton, Little Chesterford, Little Sampford, Little Walden, Radwinter, Red Oaks Hill, Sewards End, Wimbish, Wimbish Green | Uttlesford; South Cambridgeshire |
Postcodes CB11 to CB25
| CB11 | SAFFRON WALDEN | Saffron Walden (south), Arkesden, Audley End, Clavering, Debden, Debden Green, Duddenhoe End, Elmdon, Langley, Littlebury, Littlebury Green, Newport, Pond Street, Quendon, Rickling, Rickling Green, Shortgrove, Starling’s Green, Strethall, Upper Green, Wendens Ambo, Wicken Bonhunt, Widdington | Uttlesford |
|---|---|---|---|
| CB21 | CAMBRIDGE | Fulbourn, Great and Little Wilbraham, West Wratting, Weston Colville, Teversham (parts of), Abington (incl. Little), Hildersham, Bartlow, Hadstock, Horseheath, Shudy Camps, West Wickham, Castle Camps, Balsham, Linton | South Cambridgeshire; Uttlesford |
| CB22 | CAMBRIDGE | Sawston, Great Shelford, Duxford, Stapleford, Harston, Whittlesford, Foxton, Barrington, Little Shelford, Hauxton, Newton, Pampisford, Babraham | South Cambridgeshire |
| CB23 | CAMBRIDGE | Cambourne (Great, Lower and Upper), Barton, Comberton, Harlton, Great and Little Eversden, Bourn, Highfields Caldecote, Coton, Haslingfield, Kingston, Hardwick, Toft, Longstowe, Madingley, Dry Drayton, Papworth Everard, Lolworth, Bar Hill, Elsworth, Knapwell, Conington, Boxworth, Caxton, Papworth Saint Agnes | South Cambridgeshire; Cambridge |
| CB24 | CAMBRIDGE | Cottenham, Milton, Histon, Impington, Willingham, Longstanton, Over, Swavesey, Northstowe, Oakington, Fen Drayton, Rampton | South Cambridgeshire |
| CB25 | CAMBRIDGE | Burwell, Waterbeach, Bottisham, Lode, Landbeach, Swaffham Prior, Swaffham Bulbeck, Stow cum Quy, Horningsea, Reach, Chittering, Cottenham (parts of) | South Cambridgeshire; East Cambridgeshire |
More Cambridge Information.
| Coordinates: 52°12′18″N 00°07′21″E | |
| Sovereign state | United Kingdom |
|---|---|
| Country | England |
| Region | East of England |
| County | Cambridgeshire |
| Founded | c. 1209 as Granta Brygg |
| City status | 1951 |
| Government | |
| • Type | Non-metropolitan district council |
| • Body | Cambridge City Council |
| • Mayor | Anna Smith |
| Area | |
| • Urban | 15.7 sq mi (40.7 km2) |
| Population (2022) | |
| • City | 146,995 (ranked 151st) |
| • Urban | 181,137.[2] |
| Demonym | Cantabrigian |
| Ethnicity (2021) | |
| • Ethnic groups | List |
| Religion (2021) | |
| • Religion | List |
| Time zone | UTC0 (GMT) |
| • Summer (DST) | UTC+1 (BST) |
| Postcode | |
| Area code (IDD) | 01223 |
| Vehicle registration area code | AO, AP, AR, AS, AT, AU |
| ONS code | 33UK |
| Major railway stations | Cambridge Station and Cambridge North, |
| Primary airports | Norwich Airport, Southend Airport, Luton Airport & Stansted Airport |
| Police | Cambridgeshire Constabulary |
| Fire and Rescue | Cambridgeshire Fire and Rescue Service |
| Ambulance | East of England |
| Website | cambridge |
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