About

About PHX Mortgages

My name is Matt Cottrell, and I am a fully qualified mortgage consultant and broker. With over ten years of mortgage industry experience, I am proud to hold full Certification in Mortgage Advice and Practice (CeMAP). 

I established PHX Mortgages to simplify securing a mortgage. Sometimes working in a large corporate broker, there can be too much focus on profits, figures and company shares rather than doing the right thing for each individual customer.  My mission is to provide an individually tailored approach to meet the needs of homeowners and property investors. I am passionate about helping people make mortgage finances as straightforward and hassle-free as possible. 

I started work as a mortgage consultant with Countrywide PLC in 2010. Initially based in Teddington, Middlesex, and later in Letchworth Garden City, Hertfordshire, in 2012. At Countrywide, I progressed to managing a team of mortgage advisers, covering consultants in Bedfordshire, Buckinghamshire, Hertfordshire and Cambridgeshire. The experience was invaluable; I loved to share my knowledge while supporting my team’s personal development. 

A little more about me: I live in St Neots, and I’m a family man with two young boys who keep me very active! I’m crazy about cricket and play for Blunham Cricket Club 1st team.

PHX Mortgages began in July 2020. I absolutely love my work and am so proud of all I do to help my clients. I genuinely appreciate our consistently positive feedback. Here are a few of the most recent testimonials.

Reviews

Cara-Mia King

“Me and my partner would highly recommend Matt! As first time buyers he guided us through the process with ease, from start to finish we couldn’t fault him at all. Very helpful and professional.”

Emily Brough

“A big thank you to Matt for helping me obtain my first Buy-To-Let mortgage. A very friendly and professional service, answering all my questions, laying out all my options and just generally showing me I was in good hands. Thank you!”

Craig Losh

“Matt has been an amazing help during our lengthy house move process, his personable, timely and knowledgeable responses to all questions have been a great help during the stressful time. I would thoroughly recommend his services and I would not hesitate to use again.”

Amy Thomas

“We were recommended Matt by our good friends. We were first time buyers and had never gone through this whole process before, and we are so glad that we were pointed in Matts direction. Right from the beginning, he was extremely helpful, honest and explained things to us in laymen’s terms so we completely understood what we were doing. He was always available to arrange calls in the evenings which were convenient for us due to work commitments. He answered any questions we had at any time without any trouble. He is so easy to talk to, I actually feel like I’ve known him for years (that’s how easy he is to talk too!) Even on the day of us making an offer on our house, we messaged Matt and he was replying to us all day and offered his congratulations – we didn’t even realise he was actually away with friends at the time! Overall, we would recommend Matt to anyone and his dog – seriously – we have already been passing his details along to others looking to get a mortgage. Thank you so much for all of your help Matt, you made a stressful situation a very straight forward one and we will always be grateful for that. Speak to you again in a few years for remortgage.”

Amelia Davies

“Matt was so helpful and knowledgeable from beginning to end! He kept us up to date for the whole duration of our house purchase. He worked extremely hard for us and we couldn’t be more thankful for the help he provided!”

Conor King

“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 convenient fashion! Would thoroughly recommend for anyone who is in need of a broker!”

James Hampson

“Matt was so easy to deal with from start to finish. We were first time buyers in a very competitive market but Matt let us know exactly what we could borrow, explained all our options and the costs associated with them. Matt came highly recommended to me by not 1 person but 2 and he certainly stood up to the reputation. I have also recommended him myself & would recommend to anybody looking for a mortgage.”

Nik Perry

“Matt has been amazing at supporting us through this lengthy process of buying and selling with his recommended advice and sound business knowledge. He has been very accommodating to times of business in view of the fact that I work shifts. I would highly recommend him to other people seeking financial advice.”

Wayne & Kim Goldsmith

“We approached matt when our mortgage was up for renewal, and asked for advice about what we can afford going into the future. Matt really helped us through this process. Very professional and gave us great advice. Thanks to Matt we have moved house with a new mortgage. All stress-free. We highly recommend Matt for all your mortgage needs. We will definitely use him in the future. Thanks again Matt.”

Rebecca Beldam

“Matt was absolutely outstanding. As first-time buyers we were apprehensive about getting a mortgage but Matt put us at ease straight away. No question was too silly and he responded via email or phone call very promptly. We had a slight hiccup a couple of days before completion but Matt helped us through it. If you’re looking for a mortgage broker go with Matt – you won’t be disappointed.”

Ryan Ulmer

“What a great service. A re-mortgage in our case. Something which I have very little knowledge about. Matt helped us through the process and made it very straightforward and easy – Thank you”

Piotr Gorski

“Matthew was a great help for us while buying our first home. He was available for us always when we had questions, he explained everything clearly and patiently. At the end he found us great mortgage and insurance deals and made sure the purchase was stress free for us. We will definitely come back to Matt in the future and we recommend him to everybody.”

Imogen Batt

“Matt helped us get our first mortgage and he was brilliant. I would highly recommend! Right from the start Matt was responsive and always made time to answer any questions we had. He was reassuring and helped us through every step of the process. Even up until the very last minute Matt helped us get over the line before the stamp duty holiday and we couldn’t be more grateful! We will definitely be using Matt’s services again, thanks very much Matt!”

Phoebe Berridge & Tom Partridge

“We first got in touch with Matthew a few weeks back when we wanted to see what our options were to be able to get a mortgage. We’re both self-employed and first-time buyers we’ve heard different stories from family and friends and wanted to get some advice from someone with more knowledge.

Matthew was quick to respond and was clear on what information he needed from us to have a look. Very professional, quick responses and a phone call to talk through our opinions let us ask questions and explain what would be the best path for us to take. No question was silly; he was very helpful and has given us a much clearer picture of how to move forward and get our first mortgage. I’m so glad we got in touch with him. Thanks again for your help so far.”

Find out more about our services and how to get in touch.

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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