
Whole of market mortgage advice
MORTGAGES
At Cambridge & Country Financial, we offer a full suite of mortgage services designed to meet the diverse needs of our clients. We take a personalised approach, understanding your unique financial situation and goals to provide expert advice and solutions that best fit your requirements. Trust us to simplify your mortgage journey and empower you with the knowledge to make informed decisions.
We can simplify your mortgage journey
Types of mortgages
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First-time buyers
Buying your first home is an exciting step, but it can also feel overwhelming. Our expert team in Cambridge are here to guide first-time buyers through every stage of the process, from finding the right mortgage to understanding the costs involved. We work closely with you to secure a tailored solution, ensuring your journey to homeownership is smooth and stress-free.
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Moving home
Moving home is a significant milestone, and we are here to ensure the process is as simple as possible. Whether you are upgrading, downsizing, or relocating, we offer expert guidance and tailored mortgage and financing options to meet your needs. Let us assist you in finding the most suitable solutions, allowing you to concentrate on settling into your new home effortlessly.
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Remortgages
Remortgaging can be a smart way to reduce your monthly payments, release equity, or find a more suitable deal. We will assess your current mortgage and explore a range of options to help you make an informed decision. With access to competitive rates and expert advice, we ensure the remortgaging process is easy and beneficial for your financial future.
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Product transfers
A product transfer allows you to switch to a new mortgage deal with your current lender, often without the need for a full application or valuation. We will help you navigate this process, ensuring you find a competitive rate that suits your financial needs. With expert guidance, we make product transfers simple, saving you time and money.
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Green mortgages
Green mortgages offer rewards for making energy-efficient choices in your home, helping you save on both your mortgage and energy bills. We specialise in finding green mortgage options that support eco-friendly home improvements or purchases. We will guide you through the available incentives, helping you secure a mortgage that benefits both your finances and the environment.
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Self-build mortgages
Self-build mortgages are designed to support those building their own home, providing funds in stages as the project progresses. We offer expert guidance on securing the right self-build mortgage to fit your construction timeline and budget. With tailored advice, we help you bring your dream home to life, managing the complexities of financing a self-build project.
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Buy-to-let mortgages
Buy-to-let mortgages are ideal for those looking to invest in rental properties, offering tailored solutions for property investors. We are here to help you navigate the unique requirements of buy-to-let financing, from deposit sizes to rental income considerations. With expert guidance, we ensure you secure the most suitable deal to maximise your investment and achieve long-term success in the rental market.
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Multi-unit / HMO
Multi-unit and House in Multiple Occupation (HMO) mortgages are designed for property investors looking to maximise rental income by converting properties into multiple tenancies. We specialise in this niche market, offering expert guidance on the specific regulations and financial considerations involved. We will help you find the most suitable mortgage solutions tailored to your multi-unit or HMO investments.
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New build
New build products cater specifically to the unique needs and circumstances of buyers seeking brand-new homes. Many developers offer incentives, such as discounts, cash contributions, and work with schemes such as Deposit Unlock and Own New Rate Reducer. We will guide you through the variety of options available and help you find the most suitable product for your new build purchase.
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Bridging finance
A bridging loan is a short-term financing solution designed to provide immediate cash flow for individuals or businesses needing to "bridge" a financial gap until more permanent financing is secured or until an existing obligation is met. Our bridging loans are arranged by referral only. We are able to introduce you to a Bridging Specialist broker who can arrange suitable bridging finance
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Commercial
A commercial mortgage is a type of loan specifically designed for purchasing, refinancing, or renovating commercial properties. These loans are typically used by businesses to acquire real estate for business operations or investment purposes. Our commercial loans are arranged by referral only. We are able to refer you to a number of specialist brokers who are well equipped to find the right option for you.
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Shared Ownership
Shared Ownership is a type of housing scheme designed to help individuals and families afford their own home, particularly in expensive housing markets. This option allows buyers to purchase a share of a property, typically between 25% and 75%, while renting the remaining share from a housing association or developer. We will guide you through the various options to help you find the most suitable shared ownership product.
Your home may be repossessed if you do not keep up with the repayments on your mortgage
Some buy-to-let, HMO, commercial and bridging finance mortgages are not regulated by the financial conduct authority
We provide services for a wide-range of clients. These are some of the industries and people we support.
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Our specialised team understands the unique challenges foreign nationals face when securing a mortgage in the UK. Even if you have recently relocated to the UK, we provide expert guidance and access to lenders who are experienced in working with international clients, helping you navigate the process with ease.
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As a prominent institution, Cambridge University attracts a diverse community of faculty and staff. We offer tailored mortgage solutions that accommodate the specific needs of university employees, ensuring you find the right financing for your home or investment property. We also provide personalised assistance for the Cambridge University Shared Equity Scheme.
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For professionals in the medical research field, we recognise the importance of stability and flexibility in financing. Our team are experienced in working with researchers, helping you secure competitive mortgage options that support your career and personal goals.
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Biotech professionals often have unique financial situations, and we are here to provide personalised mortgage solutions that align with your career advancements. Our team understands the industry and is dedicated to helping you achieve your homeownership aspirations.
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Dedicated to serving those in the NHS, we offer tailored mortgage options for healthcare professionals at all stages of their careers. Our expert team are committed to helping you navigate the mortgage process while understanding your specific financial needs.
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If you're on a fixed-term contract, securing a mortgage can be more challenging, but our experienced team are here to help. We specialise in finding mortgage solutions that consider your unique employment situation, ensuring you have access to the most suitable options available.
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As a limited company director, you have specific financial considerations when applying for a mortgage. Our knowledgeable team understands company directors unique circumstances and can help you secure favourable mortgage terms that align with your business goals.
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Running your own business as a sole trader presents unique challenges for mortgage applications. We are here to help you navigate the process, providing tailored mortgage solutions that reflect your income and business stability.
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For portfolio landlords, managing multiple properties requires specialised mortgage solutions. We have access to a wide range of products designed specifically for investors, helping you maximise your property portfolio while ensuring financial stability.
Speak to us for expert mortgage advice
We are here to guide you through every stage of the mortgage process. Contact us today for personalised advice and start your journey to homeownership with confidence.