Expert Financial Mortgage & Protection Advisors

Expert Financial Mortgage & Protection Advisors 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.

Being a first-time buyer comes with loads of questions, and it's so easy to become confused when you're dealing with cco...
08/09/2026

Being a first-time buyer comes with loads of questions, and it's so easy to become confused when you're dealing with cconflictingadvice.

So we've cut out the noise and left behind the facts so you don't fall victim to any fake news on your mortgage journey! 🧭

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

When your current deal ends, you don't have to stay with the same lender out of habit. 🔊A lot can shift in a few years. ...
07/09/2026

When your current deal ends, you don't have to stay with the same lender out of habit. 🔊

A lot can shift in a few years. Your rental income, the property value, even your own personal circumstances.

All of that affects what deals you can actually get.

Some situations open up more lender options than others, and criteria for buy-to-let mortgages can vary a lot from one lender to the next.

So don't just glance at the headline rate 👀

Fees, rental calculations and the overall cost all matter just as much.

A remortgage review could show you choices you didn't know were there.

Deal coming up for renewal? Speak to us first 🏠

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

Interest-only mortgages are still an option for many homeowners! 🤔These mortgages can significantly lower your monthly p...
06/09/2026

Interest-only mortgages are still an option for many homeowners! 🤔

These mortgages can significantly lower your monthly payments, as you're only covering the interest owed.

The most important thing to remember is that the original amount you borrowed, the capital, will still need to be paid back in full when the term ends. 💷

Because of this, our team always has a really in-depth chat with you.

We'll carefully look at your plans and how you intend to repay the capital. 🔎

This helps us work out if this type of mortgage could be a suitable option for you. We're here to help you understand it all. ✅

Let's chat about your options. 📱

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

06/09/2026

Fixed or variable rate? It depends on what matters most to you. 🏡

A fixed rate gives you payment certainty, while a variable rate could save you money if rates fall, but your payments can also increase.

The right choice comes down to your plans, budget and attitude to risk.

Get in touch and we'll help you find the mortgage that's the best fit for you. ☎️

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

04/09/2026

Can you add stamp duty to your mortgage? 💷

Unfortunately, no. But the good news is you don't usually need the funds until exchange, giving you extra time to save or sort your finances.

Planning ahead can make the buying process much less stressful.

Get in touch and we'll help you understand the costs and prepare every step of the way. 📲

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

03/09/2026

What to do before viewing a new home? 🤔

1️⃣ Check how much equity you have
2️⃣ Check what price range you can look at
3️⃣ Find out whether you have an early repayment charge

Let's have a chat today! ☎️

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

02/09/2026

Worried an Agreement in Principle will damage your credit score?

Most of the time, an AIP only involves a soft credit check, but some lenders may carry out a hard search instead.

We know which lenders use which type of check, which can help you avoid unnecessary marks on your credit file.

Get in touch and we'll help you choose the right route from the start. ☎️

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

01/09/2026

Fixed rate coming to an end? Don’t just accept the first offer 📩

If you fixed during lockdown, your next deal could look very different from what you’re used to.

But you have options. There may be better rates or terms available elsewhere, depending on your circumstances.

We can search across multiple lenders and help you find a deal that fits.

Your renewal is worth a closer look. 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.

Your monthly mortgage repayment is likely the most important and expensive bill; therefore, it needs to stay stable to k...
31/08/2026

Your monthly mortgage repayment is likely the most important and expensive bill; therefore, it needs to stay stable to keep your home in your name. 🏠

But what happens when illness stops you from working and sick pay runs out? 😥

This is where Critical illness cover comes in - it's a tax-free lump sum paid out after diagnosis, and it could help you keep your mortgage afloat, cover other bills, and keep the fridge full! 💷

This is especially important if you’re self-employed, as you probably don't have any sick pay in place.

Get in touch today to see how CIC could help you. 📲

Self-employed? We've got some really positive mortgage news for you. 🙌The market is moving in your favour, with criteria...
30/08/2026

Self-employed? We've got some really positive mortgage news for you. 🙌

The market is moving in your favour, with criteria changing for those who work for themselves.

Historically, two or three years of accounts was the norm. But our team knows lenders who work with just one year of accounts!

And the cherry on top? That's not the only positive change, we’re also seeing suitable options available with reduced rates for self-employed people! 🤩

These changes are helping to remove old barriers for entrepreneurs looking for a mortgage.

We know exactly which lenders to speak to and how to present your unique situation.

Let's chat about your options. 📞

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

Source: https://theintermediary.co.uk/2026/08/newcastle-for-intermediaries-relaunches-90-ltv-products-and-expands-mortgage-offering/

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

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