P & M Financial Ltd

P & M Financial Ltd Your trusted mortgage and insurance broker for Luton, Bedfordshire, Hertfordshire and London.

Your home may be repossessed if you do not keep up repayments on your mortgage.

𝗀&𝗔 𝗠𝗒𝗑𝗗𝗔𝗬𝗦! πŸ’¬πŸ’· You've saved your deposit β€” but should you keep saving?Going from a 5% to a 10% deposit, or from 10% to ...
07/09/2026

𝗀&𝗔 𝗠𝗒𝗑𝗗𝗔𝗬𝗦! πŸ’¬

πŸ’· You've saved your deposit β€” but should you keep saving?

Going from a 5% to a 10% deposit, or from 10% to 15%, could change the mortgage deals available to you.

But there's also a balance. Waiting another year to build a bigger deposit isn't automatically the right decision.

Let P&M Financial compare the numbers and help you understand whether buying now or saving more could work better for you.
☎️ 0800 634 9250

π—–π—Ÿπ—œπ—˜π—‘π—§ π—₯π—˜π—©π—œπ—˜π—ͺWe love to hear feedback from our clients & we are always grateful that they take time to leave reviews! πŸ‘D...
04/09/2026

π—–π—Ÿπ—œπ—˜π—‘π—§ π—₯π—˜π—©π—œπ—˜π—ͺ

We love to hear feedback from our clients & we are always grateful that they take time to leave reviews! πŸ‘

Did you know P&M Financial LTD has a 5.0 star rating across Google & Facebook! ⭐⭐⭐⭐⭐

Are you looking for mortgage advice?

Find out why we have so many loyal clients and send us a message today πŸ’¬
Or call us on 0800 634 9250 ☎️

04/09/2026

Low deposit? Still might be able to buy!

🏠 𝗠𝗒π—₯π—§π—šπ—”π—šπ—˜ π—‘π—˜π—ͺ𝗦 πŸ“ˆSo-called β€œmarathon mortgages” are fast becoming the norm, new analysis suggests, as two-thirds of borr...
02/09/2026

🏠 𝗠𝗒π—₯π—§π—šπ—”π—šπ—˜ π—‘π—˜π—ͺ𝗦 πŸ“ˆ

So-called β€œmarathon mortgages” are fast becoming the norm, new analysis suggests, as two-thirds of borrowers aged under 30 have terms of between 30 and 40 years.

The overpayment app Sprive found 66% of borrowers under 30 have mortgage terms of this length, compared with 42% of those aged between 30 and 39 and just 6% of homeowners aged 40 to 49.

Click below to read more
https://www.mortgagestrategy.co.uk/news/mortgage-terms-of-30-40-years-become-norm-for-younger-borrowers/

Or contact us for more info
☎️ 0800 634 9250
https://pm-financial.co.uk/

31/08/2026

𝗛𝗔𝗣𝗣𝗬 𝗠𝗒𝗑𝗗𝗔𝗬!

Still renting because you think you won't qualify for a mortgage? Think again! 🏑

Many people assume they need a huge deposit before they can buy their first home - but that isn't always the case.

There are now mortgage options available from as little as 2–5% deposit, and some lenders even offer no deposit mortgages for eligible buyers.

The best part? You won't know what's possible until you ask.

If you're ready to stop paying your landlord's mortgage and start investing in your own future, we're here to help.

πŸ“ž Speak to the team at P&M Financial today and let us explore the mortgage options available to you.

π—–π—Ÿπ—œπ—˜π—‘π—§ π—₯π—˜π—©π—œπ—˜π—ͺWe love to hear feedback from our clients & we are always grateful that they take time to leave reviews! πŸ‘D...
28/08/2026

π—–π—Ÿπ—œπ—˜π—‘π—§ π—₯π—˜π—©π—œπ—˜π—ͺ

We love to hear feedback from our clients & we are always grateful that they take time to leave reviews! πŸ‘

Did you know P&M Financial LTD has a 5.0 star rating across Google & Facebook! ⭐⭐⭐⭐⭐

Are you looking for mortgage advice?

Find out why we have so many loyal clients and send us a message today πŸ’¬
Or call us on 0800 634 9250 ☎️

🏠 π—‘π—˜π—ͺ π—•π—Ÿπ—’π—š πŸ“ˆFor many first-time buyers in the UK, one of the biggest obstacles to buying a home isn’t necessarily being ...
26/08/2026

🏠 π—‘π—˜π—ͺ π—•π—Ÿπ—’π—š πŸ“ˆ

For many first-time buyers in the UK, one of the biggest obstacles to buying a home isn’t necessarily being able to afford the monthly mortgage payment. It’s saving enough money for the deposit in the first place.

That is why Halifax’s new Β£5,000 Deposit Mortgage could be an interesting development for prospective homeowners in 2026.

Click below to read more
https://pm-financial.co.uk/halifaxs-new-5000-deposit-mortgage-could-it-help-first-time-buyers-get-on-the-property-ladder/

Or contact us for more info
☎️ 0800 634 9250
https://pm-financial.co.uk

𝗀&𝗔 𝗠𝗒𝗑𝗗𝗔𝗬𝗦! πŸ’¬πŸ“‰ "Should I wait for mortgage rates to come down?"It's one of the biggest questions buyers are asking righ...
24/08/2026

𝗀&𝗔 𝗠𝗒𝗑𝗗𝗔𝗬𝗦! πŸ’¬

πŸ“‰ "Should I wait for mortgage rates to come down?"

It's one of the biggest questions buyers are asking right now.

Waiting might result in a better rate, but it might not β€” and the property market could change while you're waiting too. Current mortgage pricing remains sensitive to wider economic and geopolitical developments.

Instead of trying to predict what happens next, find out what buying would actually cost you today.

πŸ“ž Speak to P&M Financial and we'll help you understand the numbers.

Contact us for more info!
☎️ 0800 634 9250
https://pm-financial.co.uk/

🏠 𝗠𝗒π—₯π—§π—šπ—”π—šπ—˜ π—‘π—˜π—ͺ𝗦 πŸ“ˆMortgage lending was higher last month despite increases in rates for homeowners, according to Bank of ...
19/08/2026

🏠 𝗠𝗒π—₯π—§π—šπ—”π—šπ—˜ π—‘π—˜π—ͺ𝗦 πŸ“ˆ

Mortgage lending was higher last month despite increases in rates for homeowners, according to Bank of England figures.

The central bank said in its regular money and credit report that net borrowing of mortgage debt jumped to Β£7.7 billion in June, compared with Β£3.3 billion in the previous month.

Click below to read more
https://www.ledburyreporter.co.uk/news/national/26418918.mortgage-lending-increases-despite-elevated-rates-homeowners/

Or contact us for more info
☎️ 0800 634 9250
https://pm-financial.co.uk/

Address

655 Hitchin Road
Luton
LU27UP

Opening Hours

Monday 8:30am - 9pm
Tuesday 8:30am - 9pm
Wednesday 8:30am - 9pm
Thursday 8:30am - 9pm
Friday 8:30am - 9pm
Saturday 10am - 6pm

Telephone

+448006349250

Website

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