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.

If you've had your mortgage for a while, it could be ageing terribly, especially if you've gone onto your lender's SVR. ...
24/09/2026

If you've had your mortgage for a while, it could be ageing terribly, especially if you've gone onto your lender's SVR. 😬

Sticking with your current rate might feel easy, but it could mean you're getting the short end of the stick!

We've helped lots of people switch from a rate that just didn't suit them - and paired them with the perfect one (just like a fine w**e)! 🍷

We'll talk through all the options like sommeliers at a w**e tasting, so you know just what to expect!

We'll do all the research to find a mortgage that's much more suited to your circumstances.

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.

22/09/2026

Your mortgage rate might not be the same forever. 👀

As your circumstances and the market change, the deal that suited you a few years ago might not be the most suitable option today.

Your property value, equity and current mortgage can all play a part in what’s available, so it’s worth reviewing the bigger picture rather than simply renewing and moving on.

Could a remortgage work better for you? Get in touch and let’s explore your options. 🏠📲

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

21/09/2026

What do fixed rates, parking tickets, and that weird sound your car makes have in common? The longer you ignore them, the more expensive it gets!

Ignoring your fixed rate often means falling onto your lender's SVR, and it could cost you hundreds more every month! 💷

If your fixed rate is due to end in the next few months, it's time we had a chat! 📲

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

Thinking about moving but not ready to say goodbye to your really low rate? 🏠You might not have to.If your mortgage is p...
20/09/2026

Thinking about moving but not ready to say goodbye to your really low rate? 🏠

You might not have to.

If your mortgage is portable, there's a chance you can pack it up and bring it along to your new place 📦

But it's not always as simple as lift and shift.

That's where our team of experts is here to help you - we know how to navigate the more niche mortgage options.

A lot of people may not know that leaving your current deal early could mean early repayment charges so porting could be the answer for you!💷

Speak to us before you commit to your next place. A bit of planning now means more options later 🏡

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

17/09/2026

Facing a serious diagnosis is difficult to begin with, having to worry about paying bills and keeping the mortgage afloat makes a tough experience even tougher.

That's where Critical Illness Cover could step in, the payout comes in the form of a lump sum after diagnosis.

We could help you keep your home in your name even when you're too ill to work, let's chat about your options today! 📲

The base rate has been held for the 6th time in a row! 🏦Despite plenty of talk about a possible increase, the base rate ...
17/09/2026

The base rate has been held for the 6th time in a row! 🏦

Despite plenty of talk about a possible increase, the base rate stays where it is.

It’s actually good news, but it’s important to remember that individual lenders can still increase or decrease their mortgage rates, regardless of what the base rate is doing.

And we’ve been seeing plenty of movement recently.

So, if you’ve got a mortgage decision coming up in the next 6 months, it’s definitely best to look at your options sooner rather than later.

Rates can change quickly; get ahead of them.

Get in touch, and we can help you understand what’s available to you right now. ☎️

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

15/09/2026

Company director? Your salary might not tell the whole story 👀

Some lenders look beyond your salary and consider things like company profits and retained earnings.

That could give you more borrowing options without changing how you pay yourself. 💼

Want to know what you could borrow? Get in touch with us today.

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

Full-time doesn't come with a whistle in the mortgage world; it just creeps up on you. ⚽One minute you're settled on you...
14/09/2026

Full-time doesn't come with a whistle in the mortgage world; it just creeps up on you. ⚽

One minute you're settled on your rate, the next your deal's ending and you're back in the transfer window.

Sitting tight and hoping for extra time isn't a strategy.

Your current lender had a good run, but they're not the only team in the league.

Your circumstances might have changed since kick off, and so might your property's value.

Other lenders could be offering some enticing rates and criteria, and the cheapest one on paper isn't always the winning move once the other fees come into play.

Reviewing early means you're picking your team with time to think, not scrambling before the clock runs out!

Most people think they can only start searching for a new deal 3 months before their rate ends, but we actually recommend starting 6 months early.

With new products dropping every week, it's important to give yourself time to switch to a new deal before completion, (subject to criteria). 🗓️

Get ahead of your next rate instead of reacting to it.

Fancy a pre-match chat? Speak to us before the whistle blows. 📲

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

Your home may be protected from fire, water damage, theft, and more. 🏠But what about the income that pays your mortgage?...
13/09/2026

Your home may be protected from fire, water damage, theft, and more. 🏠

But what about the income that pays your mortgage?

Your bills and mortgage don't stop if you're unable to work.

Illness or injury could mean time away from your job, and your sick pay may not be enough.

Income protection can replace a portion of your regular income for the duration of your illness. 💷

Life insurance can help your loved ones if you pass away. 💔

Critical illness cover offers a lump sum for diagnosed conditions (like stroke, heart attack, or cancer). 🎗️

Your individual circumstances shape the protection you need.

Protecting your house is important. Protecting the income behind it matters too.

Let's chat about your protection needs. ☎️

10/09/2026

Waiting for the “perfect” mortgage rate? You might be waiting a while 👀

Rates move, lenders change their offers, and what looks best today might not be right for you tomorrow.

Rather than trying to time the market, let’s focus on finding a deal that fits your circumstances. 🏡

Want to know what’s available for you? 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.

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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