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Expert Financial Mortgage & Protection Advisors

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United Kingdom
St Ives
Expert Financial Mortgage & Protection Advisors

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Independent Mortgage & Protection Advisers in St Ives, Cambs. Helping clients across the county and the UK. Straight-talking advice, tailored to you.

Expert Financial Ltd is an experienced mortgage broker offering fee free whole of market mortgage advice in Huntingdon, St Neots and the surrounding Cambridge areas. We offer a convenient service with the ability to meet you at your home or in one of our offices (Huntingdon, St Neots and Cambridge available). Alternatively, if you would prefer we can complete the whole process over the telephone, by post or by email. Our role as your mortgage broker is to make the process of choosing and applying for a mortgage as simple and as straightforward as possible for you whilst ensuring you also get the best mortgage suited to your circumstances. Our fully qualified mortgage advisers have specialist software to source mortgages that you may not be able to find doing your own internet research. We will offer you completely impartial mortgage advice specific to your situation. So whether you are looking for fixed rate, variable tracker rate, offset, shared ownership or any other type of mortgage advice we will be able to take care of your needs.

01/11/2026

Its age alone isn't usually a dealbreaker for lenders. 🤔

But things like construction type and the materials used can affect which mortgage options are open to you.

A lender's valuation can also flag issues that affect how much they're willing to lend, so it pays to know what you're working with early on. 🏴

Here's the thing though: one lender saying no doesn't mean they all will.

Criteria varies a lot when it comes to property type, age and construction, and there are specialist options out there for properties that don't tick the usual boxes.

Getting the details checked before you apply can save a lot of stress later.

If you're eyeing up an older or unusual property, speak to us first. We'll help you figure out where you stand. 📋

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

29/10/2026

First-time buyer with a lot of questions about the mortgage market? We're here to clear up any confuson! 🔊

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

28/10/2026

The big announcement from the Autumn Budget is that the Your First Home Scheme has officially been confirmed! ✅

We mentioned this a few weeks ago, but it's now official!

The scheme is designed to help more people get onto the property ladder.

Eligible first-time buyers could purchase a new-build home with just a 2.5% deposit, alongside a 20% government equity loan that's interest-free for the first 5 years! 🏡

Applications aren't open yet, but pre-registration will open before the end of 2026, with applications expected to open in February 2027 📆

Pre-registering won't commit you to purchasing, but will help you understand your eligibility and local property price limits.

You can read more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

There's also news about a new First Time Buyer ISA!

The Government is planning to introduce a new, simpler savings account to help first-time buyers save towards their first home.

It's intended to replace the Lifetime ISA for new savers, although existing Lifetime ISA holders will still be able to continue saving under the current arrangements.

There's no confirmed launch date for the new ISA yet, but we'll keep you updated!

It's great to see some positive announcements for first-time buyers! 🤩

If you're planning to buy your first home, we can help you understand these changes, explore your mortgage options and prepare for your purchase 🏡

Get in touch today!

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

27/10/2026

Selling your home? Check the numbers before you put it on the market. 🏡

Your equity, current mortgage terms and any early repayment charges could all affect your next move.

Let’s review your options early, so you know what to expect and can plan your next step with confidence.

Get in touch before you sell!

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

26/10/2026

It's not always as simple as one figure on a tax return. 🤔

Depending on how your business is set up, lenders might look at salary, dividends, drawings, net profit, or a mix of these.

You may need to share things like accounts, SA302s, tax year overviews, bank statements, and proof of current income. 📄

Two years of accounts isn't always the full picture either. Some lenders need more trading history; others are happy with 12 months of accounts. It's all about knowing who's who!

Sole traders and limited companies get assessed differently too, so your business structure matters.

If your income has shifted recently, it's worth understanding how that might be viewed before you apply. 🔎

Thinking about a mortgage soon? Speak to us first and we'll talk you through it. 🏡

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

25/10/2026

Most new buyers put all their energy into the mortgage, the deposit and the monthly numbers. 🏠

Protection sometimes gets left off the list. 🤫

Here's the thing, your mortgage doesn't care if you're off work ill or unable to earn. It still needs paying.

If your household relies on two incomes, losing either one could make things tight fast.

Protection doesn't just stop at life cover either. It can include income protection if you can't work, or critical illness cover if you're diagnosed with a serious illness. 🛡️

You may decide on one type of protection or decide to cover all your bases by combining income protection, critical illness cover and life insurance.

We'll talk through the benefits of each to help you decide which suits your needs (and budget)!

Getting the keys to your first place is a good moment to check your cover actually matches your new situation. 🔑

Want to talk it through? Speak to us, no pressure, just a proper look at what fits you. 💬

Source: https://theintermediary.co.uk/2026/09/more-than-a-third-of-ftbs-do-not-recall-receiving-protection-advice-data-finds/

22/10/2026

Not sure how long a mortgage actually takes? This ones for you! 🔊

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

21/10/2026

Some lenders will let you borrow up to 6x your income instead of the usual 4.5x. 📈

Sounds appealing, but more borrowing power isn't always a good thing.

A bigger mortgage means bigger monthly payments, so it's worth thinking about what actually feels manageable alongside your bills, savings, and everyday spending. 🔎

6x income also isn't something everyone qualifies for. It comes with its own set of criteria, so it's not just a case of asking for more.

The amount a lender offers you and the amount you actually want to commit to each month can be two very different numbers.

Our advice? Work out what suits your life, not just what you're able to borrow.

Want to talk through your numbers properly? Speak to us. 🏡

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

20/10/2026

Wondering how much you need to earn to buy your first home? 🏡

For a £270,000 property with a 10% deposit, you’d need a £27,000 deposit and a mortgage of £243,000.

Based on borrowing 4.5 times your income, that means earning around £54,000 a year, individually or jointly.

Your debts, spending and credit history also play a part, so let’s look at your numbers and see what could be possible.

Get in touch today to take the first step.

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

18/10/2026

Turns out, working with us doesn't just save you stress. It could save you cash too.

79% of borrowers told researchers they're still saving money because they used a broker. 🤩

That's not just about spotting the lowest rate on a comparison site.

It's about the whole package. The fees attached, the flexibility if your plans change, and the true cost once everything is added up.

A mortgage with a slightly higher rate but lower fees could work out cheaper overall.

A deal with more flexibility could save you money down the line if life throws a curveball.

This is where speaking to us makes the difference. We look at the full picture, not just the headline number.

Want to see what you could be saving? ☎️

Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

Source: https://www.santander.co.uk/about-santander/media-centre/press-releases/mortgage-brokers-continue-to-score-with-homeowners/

Address

8 The Pavement
St Ives
PE275AD

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 4pm

Telephone

+441480718719

Website

http://www.expert-financial.co.uk/

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