Local Mortgage Advisers in Cambridge

Getting a mortgage is one of the biggest decisions you will make in life and it is important that you find the right advice to make the correct decision for your future. Whether you are a first-time buyer, re-mortgaging your home, looking to release equity or searching for a new property, our advisers are here to help.

All you have to do to start the process is give us a call on 0345 450 4660, or send an email to enquiries@moneysprite.com. Then you can book in an appointment at a convenient time that suits you and discover the full range of options available to you.

Cambridge is renowned for its world famous university which owns much of the city centre, helping it to retain a traditional look and feel. It is situated only 50 miles from London and features a growing business and commercial sector that is making it an increasingly popular destination for London commuters.

The reputation of Cambridge University extends to a number of local schools in the south of the city, which is where the train station is also located. There is plenty of glorious countryside and parks to enjoy including Wicken Fen in Ely which is believed to be the oldest national park in England. Cambridge is also a vibrant cultural hub featuring a number of theatres, museums, art galleries and many restaurants and bars.

Around the city you will find a broad range of property types, including elegant Edwardian and Victorian terraces near to Hills Road, while in Newtown you’ll find highly desirable six and seven bedroom properties. Once you have your eye on a property in Cambridge you can’t live without, get in contact with Moneysprite and we’ll do the rest for you.

Our dedicated team in Cambridge can assist residential and commercial clients access the type of mortgage that best suits their requirements, preferences and long-term objectives.

Mortgage Advice for Home Buyers

We are frequently engaged to find residential mortgages for first-time buyers, upsizers and downsizers – or those seeking to remortgage for a better deal. We search a wide range of mortgages, including fixed-rate deals, variable-rate options and niche mortgage types, such as offset mortgages or cashback mortgages. Our mortgage adviser team covers Cambridge and the surrounding area and can access mortgage discounts and deals that aren’t available on the mainstream market.

Buy-to-let Mortgage Advice

We also assist clients to identify and apply for the most suitable buy-to-let mortgages to help fund the purchase of property investments. If you wish to buy a property and rent it out, you will need to use a buy-to-let mortgage rather than a residential mortgage. There are differences due to eligibility requirements which our team will fully explain and help you navigate. If you wish to rent your existing property out to help progress a planned home move, we can also assist by exploring the let-to-buy property market. Again, we always search the whole of the market to find the most advantageous investment mortgage options. Our advisers can provide related services in this area, such as discussing commercial vehicles to purchase and hold property, as well as tax-efficient strategies.

Equity Release Mortgage Advice

Our expert equity release advisers can provide the compulsory advice required before considering and applying for equity release products, such as a lifetime mortgage or Home Equity Line of Credit (HELOC). These products are available to mortgage-free homeowners over the age of 55 at least. They offer a lump sum or drawdown loan with no monthly repayments. The debt is only repaid when the property is eventually sold which becomes compulsory after the last surviving homeowner passes away. Equity release mortgages include pros and cons which must be carefully discussed and understood first. Our friendly advisers are on hand to help.

Commercial and Business Mortgages

Additionally, our professionals can service limited companies and other commercial entities. If you need a mortgage to help purchase property for your business, we provide commercial mortgage services that put your business and its growth first. We are active in this area and dedicated to finding the best commercial funding options for all businesses.