PHX Mortgages

A personal and straightforward approach

PHX Mortgages is an award-winning mortgage and protection broker dedicated to serving clients across Cambridgeshire, Peterborough, Lincolnshire, and Bedfordshire. Experience our 5-star personalised and straightforward advice service. Whether you’re looking to buy your first home, remortgage, invest in a property portfolio, or review your protection cover, we will assist you. 

Founded in St Neots in 2020 by experienced consultant Matt Cottrell. The PHX mission is to simplify securing a mortgage. All too often, personal finance can seem daunting and overly complicated. But it needn’t be. Our team is passionate about making arranging your next mortgage or protection cover hassle-free with our friendly, bespoke service.  

Rest assured, PHX Mortgages delivers comprehensive support throughout the entire process. We are with you every step of the way, guiding you to find mortgage and protection solutions that meet your specific requirements. 

 
 
 
 
  EXCELLENT  
  
 Based on 207 reviews 
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Kelsi Fairbairn 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We used PHX to buy our first home and honestly couldn't have been happier with the support and advice we received from Matt and Ryan. They made the whole process feel so much easier and were always there when we needed them.

Would 1000% recommend them to anyone - thank you!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Matthew Western 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Amazing knowledge and advice, always friendly and so helpful. He made our first house buying process so much easier and less stressful, I couldn’t recommend him enough
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Pauline Stevens 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We stumbled across PHX mortgages by accident, and are so grateful we did. We can not recommend Matt and team highly enough. They were the one part of the house buying process that didn’t cause frustration and/or stress. Very responsive and incredibly
knowledgable - they really do know their stuff!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Tom Sturges 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We honestly can’t thank Matt enough for everything he did for us. From our very first conversation, he made us feel completely at ease. Buying a house felt pretty overwhelming at the start, but he broke everything down in a way that actually made sense and never made us feel silly for asking questions (and we had a lot!).

He was always so easy to get hold of — whether it was a quick text, email, or call — and he always got back to us quickly. It really felt like he genuinely cared and wanted the best outcome for us, rather than just doing his job.

What we appreciated most was how patient and thorough he was. He took the time to explain all our options, talked us through the pros and cons, and made sure we fully understood what we were signing up for. He made what could have been a really stressful process feel smooth and manageable.

We’re so grateful for all his help and support throughout the whole journey. If you’re looking for a mortgage advisor who’s knowledgeable, approachable, and genuinely on your side, we wouldn’t hesitate to recommend Matt.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Richard P 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We are so glad we used Matt as our mortgage broker! It took us 16 months from offer being accepted on our first property to finally completing on our third property and, throughout the process, Matt was always there to answer our questions and offer his advice.

He was always available to explain things calmly and carefully and was a pleasure to work with. I can't recommend Matt enough and have already recommended him to friends who are looking to move.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Jessica Juillard 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Matt was brilliant start to finish! He was super quick to respond to all our queries, and as first time-buyers in this country, we had many. He was happy to talk us through all options and documents, and worked hard to find us a mortgage suitable for our unique set of circumstances. We cannot recommend Matt highly enough!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Abigail Mirekua 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Matt was very quick with his responses and was very patient with me and my husband. As first time buyers on visa in the UK we were not sure if it was possible to get a mortgage at a good rate but Matt made it very easy for us and we got our house under 3months and  at a very good rate. He answered all our questions and explained everything thoroughly even when he was on holidays at no fees at all.
He really knows what he is doing and I would always recommend him.
Thank you Matt
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 kingsley banahene 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
I want to say a big thank you to this amazing company for helping me and my wife secure our new home! As first-time buyers, the whole process felt overwhelming at first, but our financial advisor, Matt, made everything so simple and stress-free. He was incredibly patient, knowledgeable, and always available to answer our questions. Thanks to his expert advice, we got a very good mortgage rate and moved into our dream home without any hassle.

I would highly recommend this company and especially Matt to anyone looking for professional, friendly, and reliable financial advice.
  
 
  
 
 
 
 
   
 
 

At PHX Mortgages, we promise to:

• Provide free, no-obligation initial consultations, available face-to-face in Cambridgeshire, Peterborough, Lincolnshire, and Bedfordshire, as well as over the phone or via secure video call.
• Make the entire process of securing and completing your mortgage and protection products straightforward.
• Research a comprehensive range of lenders across the market to find suitable products that meet your needs.
• Fully explain the process and options available to you.
• Offer a complete ‘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 COTTRELL
matt@phxmortgages.co.uk
01480 400596

RYAN GIULLARI
ryan@phxmortgages.co.uk
07939 162094

Contact Us

• Facebook
• Instagram
• LinkedIn

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.