Matt Cobb - Mortgage & Protection Adviser

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Matt Cobb - Mortgage & Protection Adviser

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Matt Cobb - Mortgage & Protection Adviser, Mortgage brokers, 8 Falsgrave Road, Scarborough.

12/03/2026

Loan to Value, or LTV, is the percentage of your property’s value that you borrow as a mortgage. The lower your LTV, the more competitive the interest rates can be — which could mean lower monthly payments.

Whether you’re buying your first home, moving, or remortgaging, I’ll help you understand how your deposit or equity impacts your options and find a deal that suits your circumstances.

If you’re not sure what your LTV is or how it affects you, let’s talk.
📞 07852 250192
✉️ [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will depend on your circumstances. Our typical fee is £399.

05/03/2026

Interest rates play a big part in how much your mortgage costs each month. If rates rise, your payments could increase. If they fall, you might be able to reduce what you pay.

Whether you’re on a fixed rate, tracker, or your deal is coming to an end, I’ll help you understand your options and decide what works best for your situation — clearly and without the jargon.

If you’re unsure how current rates affect you, let’s have a chat.
📞 07852 250192
✉️ [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will depend on your circumstances. Our typical fee is £399.

26/02/2026

Life insurance is about peace of mind. I’ll help you put cover in place that protects your family financially if the worst were to happen, helping them stay in the home, cover ongoing costs, and focus on what really matters.

Whether it’s linked to your mortgage or built around your family’s needs, I’ll make sure the cover fits your life, not the other way around.
📞 07852 250192 | ✉️ [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will depend on your circumstances. Our typical fee is £399.

19/02/2026

Family Income Benefit is about making sure your loved ones can still keep up with everyday life if the worst were to happen. I’ll help you put cover in place that provides a regular income for your family, helping with bills, the mortgage, and ongoing costs when they’d need it most.

It’s long-term protection designed to keep your family financially secure and your plans on track.
📞 07852 250192 | ✉️ [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will depend on your circumstances. Our typical fee is £399.

12/02/2026

Life doesn’t always go to plan, that’s where critical illness cover comes in. I’ll help you put protection in place that pays out if you’re diagnosed with a serious illness, giving you financial breathing space when you need it most.

It’s about protecting your home, your income, and your family, so you can focus on recovery, not money worries.
📞 07852 250192 | ✉️ [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will depend on your circumstances. Our typical fee is £399.

05/02/2026

Ready to get on the property ladder? 🏡
Buying your first home can feel overwhelming, but it doesn’t have to be. I’ll guide you through your mortgage options in plain English, help you understand what you can afford, and support you from your first conversation right through to getting the keys.

Whether you’re just starting out or ready to make an offer, I’m here to make the process clear, calm, and straightforward.
📞 07852 250192 | ✉️ [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will depend on your circumstances. Our typical fee is £399.

Thinking mortgage or insurance?Book an initial meeting with me to get things moving.📞 07852 250192 | ✉️ matt@pomfs.co.uk...

29/01/2026

Thinking mortgage or insurance?
Book an initial meeting with me to get things moving.
📞 07852 250192 | ✉️ [email protected]

What to bring:
✔️ ID
✔️ Proof of income
✔️ 3 months bank statements
✔️ Any existing mortgage or insurance details

Simple, relaxed, no pressure, just good advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

08/01/2026

🌟 Protection Matters: Week 3 – Critical Illness Cover

We often focus on life insurance to protect our families if the worst happens, but what about serious illnesses that affect your ability to work and live normally?

With mortgages, bills, and everyday costs, having a plan in place can make a huge difference. This week, we’re highlighting Critical Illness Cover, a protection product that can support you and your loved ones during challenging times.

💉 What is Critical Illness Cover?
Critical Illness Cover provides a lump sum payment if you are diagnosed with a specified serious illness, such as cancer, heart attack, or stroke.
The pay out can be used to cover mortgage payments, everyday bills, medical expenses, or anything else you need while you focus on recovery.

👤 Who Can Get It?
✔️ Anyone wanting to protect their income and family finances
✔️ Homeowners with a mortgage
✔️ Families with children
✔️ People looking for additional protection alongside life insurance

🛡️ Why it matters
A serious illness can have a big impact on your finances and lifestyle. Critical Illness Cover helps to:
✨ Cover mortgage payments and household bills
✨ Pay for medical or care costs
✨ Provide financial peace of mind for you and your family
✨ Reduce stress during a difficult times

🤝 How I Can Help
As a Mortgage and Protection Adviser at Peace of Mind Financial Solutions Limited, I can help you:
✔️ Understand Critical Illness Cover and what illnesses are included
✔️ Choose the right cover amount and term
✔️ Compare policies to suit your circumstances
✔️ Build a tailored protection plan to support your family financially

📞 07852 250192
🖲 [email protected]

I’m here to make protection simple and give you peace of mind.

⚠️ Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances. Our typical fee is £399.🌟

25/12/2025

🎄 Merry Christmas & Thank You 🎄
As the year comes to an end, I’d like to wish all my clients, a very Merry Christmas and a Happy New Year 🎅✨
Thank you to everyone I’ve worked with this year, helping you with your mortgage and insurance needs. Your trust and support mean a great deal, and it’s been a pleasure supporting you on your homeownership journeys and ensuring the right protection is in place for you and your loved ones.
Looking ahead to 2026:
🏠 If you’re thinking of moving
📅 If your mortgage deal is ending in 2026
🛡️ Or if you’d like to review your protection policies
I’d be more than happy to help, getting organised early can make all the difference.
📞 07852 250192
🖲 [email protected]
Enjoy the festive season, and I look forward to helping you in the year ahead 🎁✨
⚠️ Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances. Our typical fee is £399.

18/12/2025

Protection Matters: Week 2 – Income Protection

When we think about protecting our families, many people focus on what would happen if they passed away. But what about if you were unable to work due to illness or injury?

With mortgages, household bills, and everyday living costs to consider, protecting your income can be just as important as protecting your life.

This week, we’re focusing on Income Protection, one of the most important, yet often overlooked, protection products available.

💼 What Is Income Protection?

Income Protection is designed to pay you a regular monthly income if you’re unable to work due to illness or injury.
The policy pays out until you return to work, retire, or the policy term ends—depending on the cover you choose.

👤 Who Can Get It?

Income Protection can be suitable for:
✔️ Employed individuals
✔️ Self-employed workers
✔️ Contractors and freelancers
✔️ Anyone who relies on their income to meet monthly commitments

If your income pays the mortgage, this is a vital layer of protection.

🛡️Why It’s Important

Statutory Sick Pay and employer sick pay often fall short, or run out entirely. Income Protection helps to:
✨ Cover mortgage payments and bills
✨ Maintain your lifestyle during recovery
✨ Reduce financial stress at a difficult time
✨ Support you and your family while you focus on getting better

Illness or injury can happen to anyone, being financially prepared makes all the difference.

💪 Strengths of Income Protection

🔸 Long-term cover—can pay out for years if needed
🔸 Flexible policies tailored to your occupation and income
🔸 Covers a wide range of illnesses and injuries
🔸 Particularly valuable for the self-employed
🔸 Provides peace of mind when you need it most

This is one of the strongest ways to protect your financial independence.

🤝 How I Can Help

As a Mortgage and Protection Adviser at Peace of Mind Financial Solutions Limited, I can help you:
✔️ Understand how Income Protection works
✔️ Choose the right benefit amount and waiting period
✔️ Compare providers and policy options
✔️ Tailor cover around your job, income, and lifestyle
✔️ Build Income Protection into a wider, long-term protection plan

My aim is to make sure you and your family are protected, no matter what life throws your way.

📞 07852 250192
🖲 [email protected]
I’m always happy to help, answer questions, or provide advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances. Our typical fee is £399.

04/12/2025

Protection Matters: Week 1 – Family Income Benefit (FIB)
When we talk about protection, most people instantly think of life insurance, and while that’s incredibly important, there are other products that can make a huge difference to families, especially when managing large monthly commitments like your mortgage, utilities, childcare and everyday living costs.

This week, we’re focusing on a lesser-known but incredibly valuable option: Family Income Benefit (FIB).
What Is Family Income Benefit?
Family Income Benefit is a type of life insurance designed to pay out a regular, tax-free monthly income to your family if you pass away during the policy term.
Instead of a lump sum, it provides a steady stream of income, helping your loved ones maintain their lifestyle and keep on top of bills.

👨‍👩‍👧 Who Can Get It?
Family Income Benefit is ideal for:
✔️ Families with young children
✔️ Anyone with ongoing monthly bills or a mortgage
✔️ Couples wanting affordable long-term cover
✔️ People looking for a simple, practical way to replace lost income

If you have dependants, it’s definitely worth considering.

💪 Why It’s Important
When one household's income disappears unexpectedly, the financial impact can be huge. FIB helps to:
✨ Cover day-to-day living costs
✨ Maintain stability for children
✨ Ease money worries during difficult times
✨ Support long-term goals and commitments

It gives families the breathing room they need, month after month.

Strengths of Family Income Benefit
🔸 More affordable than many traditional life policies
🔸 Designed around real life—monthly income, just like a salary
🔸 Long-term support for children and partners
🔸 Flexible terms to match your family’s needs
🔸 Can be combined with other protection products for a full safety net

This is one of the most underrated protection products, yet one of the most impactful.

🤝 How I Can Help
As a Mortgage and Protection Adviser at Peace of Mind Financial Solutions Limited, I can support you in:
✔️ Understanding how FIB works
✔️ Choosing the right term and cover amount
✔️ Comparing providers
✔️ Building FIB into a wider protection plan tailored to your circumstances
✔️ Making sure your loved ones are properly protected for the long term

Protection should give you peace of mind, not confusion. I’m here to make the process simple.

📞 07852 250192
🖲 [email protected]

Happy to help, answer questions, or provide advice whenever you need it.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances. Our typical fee is £399.

21/10/2025

Buying your first home is an exciting milestone — but it can also feel overwhelming with so many options and decisions to make.

As a Mortgage and Protection Adviser, I’m here to make the process smoother, from explaining your options to finding a mortgage that fits your needs and budget.

Whether you’re just starting to save or already house-hunting, having the right advice can make all the difference. Let’s get you one step closer to your first set of keys! 🔑

📞 07852 250192
🖲 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances. Our typical fee is £399.

Address

8 Falsgrave Road
Scarborough
YO125AT

Telephone

+447852250192

Website

https://pomfs.co.uk/

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