PHX Mortgages

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. 

Matt Cottrell St Neots Cambridgeshire Mortgage protection broker adviser specialist

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. 

Bartek Mucha
Bartek Mucha
26 December 2023
Matt is the kind of mortgage advisor who turns what could be a stormy sea into a smooth-sailing experience. He’s got this exceptional knack for making the mortgage mumbo-jumbo crystal clear. Picture sitting down with a friend who can patiently walk you through the ins and outs of mortgages without making you feel lost at sea. He kept us in the loop with frequent updates, always letting us know where we stood in the process, even when he was away on holiday. It was like having a lighthouse guiding us through the fog — reassuring and invaluable. Best of all, he watched rates like a hawk, and when they were about to hop upwards, he swooped in and locked in a lower rate for us. He saved us a lot of money. Matt's the guy you want on your team when you're jumping into the mortgage game. He’s not just on the ball; he’s ahead of it, making sure you get the best deal while feeling completely supported along the way.
James
James
22 November 2023
Recently completed a first-time house purchase with Matt. Top notch service from start to end - highly knowledgeable, great communicator, takes the initiative and does a great job in making everything as simple as possible. Can't recommend enough.
suzanne jones
suzanne jones
12 November 2023
Matt has been amazing from Start to finish. Will definitely recommend to anyone ⭐️
James Sheath
James Sheath
11 November 2023
PHX mortgage did an amazing job getting me and my wife our first mortgage last year. Matthew made sure we knew all of our options regarding full mortgage or shared ownership etc. He would ring us on a regular basis to keep us updated with how the process was going. I would 100% recommend PHX Mortgages to anyone thinking of getting on the property ladder!
Dom Aloia
Dom Aloia
10 November 2023
Matt was absolutely fantastic. His service & professionalism made us feel comfortable that Phoenix Mortgage and Protection were the right guys for the job. He made everything nice and simple for us and found us a great deal. High recommend. Dom & Chloe
Charlene May
Charlene May
10 November 2023
Amazing friendly service !
Conor King
Conor King
10 November 2023
Matt is great! We went through Matt as First-Time Buyers and he guided us through the process with ease, keeping us updated at every hurdle. We had our mortgage, building and life insurance all sorted out through Matt with no issues what so ever giving us all the information we needed in a timely and convinient fashion! Would throughly recommend for anyone who is in need of a broker!
Anamaria Ana
Anamaria Ana
10 November 2023
Great service!! Highly recommended
Victoria Earp
Victoria Earp
10 November 2023
Matt provided an amazing service. His knowledge, support and advice were the best we could have wished for, which made our mortgage application process stress-free and easy. As first time buyers, Matt was able to ease all concerns with our purchase and provided 5-star support throughout the entire process which we greatly appreciate. Thank you PHX Mortgages!

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

PHX Mortgages Award Winning Best Mortgage & Protection Broker Cambridgeshire

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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