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Your Trusted Mortgage Broker in Huntingdon
Expert Financial is a mortgage brokerage firm established to provide comprehensive mortgage solutions tailored to individual client needs. With access to over 80 lenders and 15,000 mortgage schemes, we specialise in sourcing competitive rates and bespoke financing options across Huntingdon, St Neots, and Cambridge. Our team of experienced professionals offers end-to-end support, from initial consultation to fund release, ensuring a streamlined process for first-time buyers, remortgagers, and clients with complex financial circumstances.We maintain transparency through no client fees, operating on lender commissions while prioritising client education and market expertise. Our services extend to insurance products, including life and home coverage, further enhancing our holistic approach to financial planning.
Services
Shared Ownership Mortgages
Complex Income Mortgages
Bad Credit Mortgages
Equity Release
Mortgage Review
Life Insurance
Home & Contents Insurance
Insurance Review
Remortgaging
Mortgage Application Assistance
Highlights and features
- We offer access to 80+ lenders and 15,000 mortgage schemes
- Our team includes CeMAP-certified specialists in shared ownership
- We provide fee-free services through lender commissions
- We handle applications from initial consultation to fund release
- We offer tailored insurance solutions alongside mortgage services
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Shared Ownership Mortgages
Shared Ownership Mortgages enable buyers to purchase a property share (25-75%) while renting the remaining portion. This solution benefits first-time buyers facing affordability challenges, offering lower deposit requirements and gradual equity accumulation. Expert Financial provides CeMAP-certified advice to navigate eligibility criteria and secure optimal terms.
Complex Income Mortgages
Complex Income Mortgages cater to self-employed individuals, contractors, and those with irregular earnings. Our specialists analyse unconventional income streams to demonstrate affordability to lenders. We maintain updated knowledge of lender criteria to secure approvals for clients who might struggle with traditional mortgage applications.
Bad Credit Mortgages
Bad Credit Mortgages address clients with past financial difficulties. We assess credit history patterns to identify lenders accommodating past issues while advising on steps to improve mortgage eligibility. Our approach balances realistic expectations with access to specialist lenders offering competitive rates for improved credit profiles.
Equity Release
Equity Release allows homeowners aged 55+ to access property equity without selling. We explain lifetime mortgage terms, including interest roll-up mechanisms and inheritance implications. Our advice ensures clients understand long-term financial impacts while meeting regulatory safeguards for vulnerable customers.
Mortgage Review
Mortgage Review services evaluate existing deals to identify savings opportunities. We analyse exit fees, new rate terms, and insurance policy competitiveness. Our whole-of-market approach ensures clients transition to optimal products aligned with current financial circumstances and long-term objectives.
People
Matt Hays
Director
Former stockbroker with expertise in independent mortgage advice. Founded Expert Financial to expand access to quality mortgage solutions for first-time buyers and investors across Cambridgeshire.
Sam Shortt
Director
Ex-stockbroker specialising in first-time buyer guidance. Joined Expert Financial in 2013, became Director in 2017, focusing on client education and mortgage process transparency.
Sam Pinner
Office Manager
Financial services professional with 15+ years' experience. Provides operational support and customer service excellence since joining Expert Financial in 2016, ensuring smooth transaction processes.
Paul McGeoch
Senior Mortgage & Protection Consultant
Transitioned to financial services in 2019, quickly gaining client trust through clear communication and comprehensive mortgage & protection advice tailored to individual circumstances.
Yasmin Aboujieb
Mortgage & Protection Consultant
Joined Expert Financial in 2019, progressing from back-office roles to become a CeMAP-certified shared ownership specialist. Provides expert guidance on affordable homeownership solutions.
Questions
What mortgage types do you specialise in?
We specialise in Shared Ownership, Complex Income, Bad Credit, and Equity Release mortgages, offering tailored solutions for diverse financial situations.
How do you source competitive mortgage rates?
Our access to 80+ lenders and proprietary software enables us to identify exclusive deals unavailable through high-street banks or online searches.
Do you charge fees for mortgage services?
No, we operate on lender commissions, providing fee-free advice while maintaining transparency throughout the mortgage process.
Can you assist with insurance products?
Yes, we offer life insurance, home & contents coverage, and policy reviews to complement our mortgage services.
What areas do you cover?
We serve clients in Huntingdon, St Neots, Cambridge, and surrounding Cambridgeshire areas with flexible consultation options.
Reviews (6)
Callum Wilkins
Nov 01, 2021
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Matt Hays was so helpful, experienced and very professional
Made the process very easy for us! It was all done over the phone as well, so no need to take time out of my day to visit the office!
10/10 best thing since sliced bread
Made the process very easy for us! It was all done over the phone as well, so no need to take time out of my day to visit the office!
10/10 best thing since sliced bread
Simona Sim
Sep 04, 2021
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Very impressed with the service provided by Paul McGeogh @ Expert Financial .He was professional and personal all the way through the mortgage application process which showed me that he actually cares about his clients as much as he cares about how he represents the company that he works for. Very knowledgeable all round as he answered questions that my solicitors have not been able to!!!
Kept me updated at all the time ..replying to my emails at 6 am in the morning or on Sundays ..truly impressed with that. English is not my first language however, Paul was always available via phone or emails
Kept me updated at all the time ..replying to my emails at 6 am in the morning or on Sundays ..truly impressed with that. English is not my first language however, Paul was always available via phone or emails
Emily Smith
Apr 30, 2021
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Positive:Professionalism,Responsiveness
Third time using Expert Financial at Huntingdon, each time Sam provided amazing service, care and time with us to provide us with the best options for our mortgage. Recommended to many people for this reason. Quick replies and explained many different things to us unexperienced buyers.
Third time using Expert Financial at Huntingdon, each time Sam provided amazing service, care and time with us to provide us with the best options for our mortgage. Recommended to many people for this reason. Quick replies and explained many different things to us unexperienced buyers.
Amy Thornton
Mar 27, 2021
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Positive:Professionalism
Paul was great, pushed through the original application last minute due to a rates change, chased the lender when necessary and great communication.
Paul was great, pushed through the original application last minute due to a rates change, chased the lender when necessary and great communication.
Ellie Drury
Jan 27, 2021
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From start to finish Paul from Expert Financial couldn't of been more helpful. As a first time buyer Paul was happy to answer any questions i had and keep me updated with progress on my application. He took away a lot of the stress and went above and beyond to make sure i got the best possible outcome. I am now very happy in my new home! Would highly recommend.
A. S.
Jan 24, 2021
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Sam was very helpful throughout the process and always promptly answered any queries I had and advised me appropriately. I was recommended Sam by a friend and was so happy with his service that I would surely recommend to others! I would definitely be coming back as I couldn't be happier with my mortgage application, thank you very much :)
