Shared Ownership Calculator
Find out what share of a property you may be able to afford with our free, no-obligation Shared Ownership Calculator. Receive an instant indication in around five minutes before speaking with one of our advisers.
Try Our Shared Ownership CalculatorMortgage Services & Protection Advice
Cambridge is a competitive property market, and the right mortgage strategy can make a real difference. We support clients across Cambridge, St Ives, Huntingdon, St Neots, Biggleswade and the wider Cambridgeshire area. If you’re comparing lenders, trying to improve affordability, or need help navigating criteria, we’ll help you understand what’s realistic, what’s smart, and what gets you to completion with minimal stress.
Mortgage Protection
Protecting your family and your future means planning for more than just today. With the right financial protection in place, you can have peace of mind knowing that you and your loved ones could be financially supported if life takes an unexpected turn. From life insurance and critical illness cover to income protection insurance, these protection policies are designed to reduce financial stress during difficult circumstances, helping you protect your home, your income and the people who matter most.
Learn more about Equity Release
Equity release can be a practical way for homeowners aged 55 and over to access tax-free cash from their property without selling their home or moving out. You continue to live in your home and remain the owner, while releasing some of the equity built up over time. Some equity release plans allow voluntary repayments, although these are often optional. The loan is typically repaid from the sale of the property when the last borrower passes away or enters long-term care.
Hear from our clients:
What Does FCA Regulation Mean?
Making decisions about your mortgage, insurance or financial future is a significant step. Whether you are buying your first home, moving house or reviewing your existing financial arrangements, it is important to work with a financial services firm you can trust.
FCA authorisation means a firm has permission to carry out specified regulated activities and must meet the relevant regulatory requirements. These requirements help provide an important level of accountability when consumers are choosing financial services.
Expert Financial (FCA number 489561) is an Appointed Representative of JLM Mortgage Network Ltd. JLM Mortgage Network Ltd is authorised and regulated by the Financial Conduct Authority (FCA), registration number 300629.
Frequently asked questions
What does a mortgage broker do?
A mortgage broker helps you understand your borrowing options and find mortgage products that fit your circumstances. At Expert Financial, we look at your income, expenditure, deposit, credit history and plans before comparing suitable options from across the market. We can then guide you through the application process, from your initial conversation through to mortgage offer and completion.
Why should I use a mortgage broker instead of going directly to a bank?
A bank can generally only offer mortgages from its own range. An independent mortgage broker can compare options from a wider range of lenders, each with different lending criteria and affordability assessments. At Expert Financial, we take the time to understand your circumstances before considering which lenders and products may be suitable.
Can Expert Financial help me find a mortgage?
Yes. We help a wide range of clients, including first-time buyers, home movers, self-employed applicants, people with complex income, borrowers with historic credit issues and those looking to remortgage. We’ll look at your individual circumstances and explain your options clearly, rather than assuming one mortgage will suit everyone.
How much can I borrow for a mortgage?
There isn’t one standard borrowing figure because lenders assess affordability differently. Your income, existing financial commitments, household expenditure, deposit, credit history and employment circumstances can all affect how much you may be able to borrow. We can carry out an affordability assessment and help you understand what may be realistic for your circumstances.
How much deposit do I need to buy a house?
The deposit you need depends on the mortgage product, lender and property you’re buying. Some mortgages are available with a 5% deposit, while a larger deposit can potentially give you access to a wider range of options. We’ll help you understand how your deposit affects your borrowing and the mortgage products available to you.
Do you offer whole-of-market mortgage advice?
Yes. Expert Financial is an independent, whole-of-market mortgage broker. We’re not tied to one bank, which means we can consider a broad range of lenders and mortgage products when looking at your circumstances. Our role is to help you understand your options and find a mortgage that fits your needs.
