Meet the PHX Mortgages team
The PHX Mortgage team has over 20 years of experience in helping people arrange mortgages and protection cover. We make it our business to get to know our clients and understand what’s important to you. No two clients are the same, so there’s no one-size-fits-all approach here.
Meet Matt Cottrell, CeMAP
Mortgage & Protection Adviser & Founder of PHX Mortgages
matt@phxmortgages.co.uk
01480 400596




Matt is a fully qualified mortgage consultant and broker holding the Certification in Mortgage Advice and Practice (CeMAP). He established PHX Mortgages in 2020 in his hometown of St Neots and works tirelessly to provide an individually tailored approach to meet the needs of homeowners and property investors.
Starting his property career as a mortgage consultant with Countrywide PLC in 2010, he soon progressed to managing a team of advisers covering Bedfordshire, Buckinghamshire, Hertfordshire and Cambridgeshire.
Matt lives in beautiful St Neots with his wife Laura and their two young boys, who keep me very active! He’s crazy about cricket and plays for Blunham Cricket Club 1st team.
Meet Ryan Giullari, Cert CII (MP)
Mortgage & Protection Adviser
ryan@phxmortgages.co.uk
07939 162094

Ryan holds the Level 3 Certificate in Mortgage Advice from the Chartered Insurers Institute (CII) and is a member of the Society of Mortgage Professionals.
Working in the financial services industry since 2016, Ryan was a mortgage partner at The New Homes Group. He prides himself on exceptional customer service and goes the extra mile for all his clients, whether first-time buyers, home movers, those remortgaging or arranging a buy-to-let. As you’d expect, Ryan is well-versed in navigating the complexities of the home-buying process and has extensive experience working with national new-build developers.
Based in Market Deeping, Ryan operates across Lincolnshire and Peterborough, also providing national coverage for remote clients.
Ryan enjoys watching football in his spare time, especially his beloved Chelsea. He recently moved into a new home with his partner and is rapidly expanding his DIY skills!
Reviews
We genuinely appreciate our consistently positive feedback. Here are a few of the most recent testimonials.
Isabel Santos-Graney
“Ryan was fantastic! He listened to all my needs and worked with me to find the best protection product, especially with a few insurers not being able to offer me any cover at all! He is a lovely guy to speak to and made everything as easy as possible.”
Samuel Deacon
“Ryan Giullari has to be one of the best brokers I have had the pleasure of dealing with. Personable, professional and a great knowledge. I look forward to dealing with him in the future.”
Hannah Balaam
“Professional, informative and efficient. Always readily available and was able to provide amazing service for myself and my partner.”
Joel Oxlee
“Outstanding service from Ryan, he was very friendly and accommodating. He explained everything to us concisely and was easy to talk to.”
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.”
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
6 Priory Road, St Neots
Cambridgeshire, PE19 1AT
MATT COTTRELL
matt@phxmortgages.co.uk
01480 400596
RYAN GIULLARI
ryan@phxmortgages.co.uk
07939 162094

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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