A personal and straightforward approach
PHX Mortgages is a St Neots Cambridgeshire-based mortgage and protection broker with over ten years of property industry experience. We pledge to provide personal and straightforward advice. So, whether you want to buy your first home, remortgage, or invest in a property portfolio, we are here to help.
Started in 2020 by experienced broker Matt Cottrell, we are based in St Neots and work with clients across Cambridgeshire and the surrounding areas. UK nationwide coverage is also available with secure online correspondence. With over ten years of industry experience, Matt holds full certification in Mortgage Advice and Practice (CeMAP). The PHX mission is to provide an individually tailored approach to meet the needs of homeowners and property investors.
Finding the right mortgage finance and protection products can be complicated and stressful. Rest assured, with PHX, you receive 360-degree support throughout the whole process. We are with you every step, guiding you to find mortgage and protection solutions to meet your individual requirements.
At PHX Mortgages, we pledge to:
- Offer free no-obligation initial consultations, either face-to-face in the Cambridgeshire area, over the phone or on a video call.
- Make the whole process of securing and completing your mortgage and protection products straightforward.
- Research from a comprehensive range of lenders across the market to find suitable products to meet your needs.
- Fully explain the process and options available.
- Provide a full ‘Advice and Recommendation Service’.
- Keep you updated at every stage of the process.
Mortgage Advice
We help homeowners and business customers with the full spectrum of mortgage requirements. We walk you through the transaction process, step by step, to understand the fundamentals. We have the answers to your questions,
- How much can I borrow?
- What will it cost?
- Can I improve my current home?
- How can I reduce my monthly outgoings?
Mortgages we offer:
- First-Time Buyer Mortgages
- Remortgage & Rate Switches (up to six months before your product ends)
- Buy-to-Let Mortgages
- Debt Consolidation & Home Improvement Financing
- Right-to-Buy, Shared Ownership / Shared Equity
- Adverse credit / Poor credit mortgages
- 0% Deposit Options
- Parent/Family Assist Mortgages
- And much more
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.
You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.
Protection Advice
Your mortgage is probably your biggest monthly outgoing. If you could not work due to illness or redundancy, you’d still need to make your repayments, or you could risk losing your home. Ask yourself,
- Is your family adequately protected?
- Do you understand all your protection options?
- When did you last review your current cover?
- Have you thought about what could cause you to lose your home?
At PHX Mortgages, we advise to ensure coverage and financial stability if the unexpected occurs. We will review your existing cover and provide advice to protect you, your family and your home. We search and compare quotes for products based on an analysis of a number of insurers.
Protection cover we offer:
- Life Cover
- Critical Illness & Serious Illness Cover
- Income Protection
- Building & Contents Insurance
- Public Liability Insurance (we act as introducers only)
- Whole of Life Plans
- Private Medical Insurance
Reviews
We are immensely proud of our consistently positive feedback. Here are a few of the most recent client testimonials. At PHX Mortgages, we believe that happy clients are the best clients. So we take great pride in offering the highest level of service to ensure our customers always feel completely satisfied.
Referrals
We know there is no higher praise than you recommending us to your friends and family. Our referral scheme is our way of saying thank you to our loyal clients. Refer PHX Mortgages and receive a £50 John Lewis voucher as a thank you.
Contact PHX Mortgages
6 Priory Road, St Neots
Cambridgeshire, PE19 1AT
matt@phxmortgages.co.uk
01480 400596
Our opening hours are 8 am - 8 pm Monday to Friday and 8 am - 12 pm on a Saturday. However, please contact us outside of these times and we will be in touch at the earliest opportunity.
PHX Mortgages is a trading style of Stratton Thorpe Mortgage Solutions Limited which is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office 21 Avocet Way, Banbury, United Kingdom, OX16 9YA. Stratton Thorpe Mortgage Solutions Limited - Registered in England. Company No. 12091628. Firm FCA Number - 911905
We typically charge a fee for our advice which will be discussed at our initial meeting. This fee amount will be based on the complexity and individual circumstances of each case.
- For equity release, we act as introducers only.
- The FCA does not regulate conveyancing and some forms of tax planning. For these services, we act as introducers only.
- For valuation & estate agents, we act as introducers only.
- The FCA does not regulate commercial lending, solicitors, estate agents, valuation, and some forms of buy-to-let mortgages & bridging finance.
- For solicitors, savings, and investments, we act as introducers only
On clicking the third-party website links, you will leave the regulated site of PHX Mortgages. Neither PHX Mortgages nor Sesame Ltd is responsible for the accuracy of the information contained within the linked site.
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