Cambridge mortgage broker
Cambridge property is among the UK's most expensive outside London, driven by the university and the surrounding biotech cluster. We work with lenders that price competitively for high-LTV, high-value cases.
- High-value lender specialists for £600k+ purchases
- Lenders comfortable with academic / research-grant income
- Buy-to-let products for university-area student stock
- Help-to-Buy guidance for the Cambridge Biomedical Campus area
Where we work in Cambridge
Not in Cambridge centre? We work across Cambridgeshire and the wider UK. Call us with your postcode for a tailored answer.
Cambridge mortgage FAQs
Do I need a local mortgage broker for Cambridge?
Not legally — UK lenders work nationwide — but a broker who knows Cambridge property stock and lender preferences typically secures better rates than a generic one. We've placed hundreds of loans in the city.
How much deposit do I need to buy in Cambridge?
For residential mortgages, lenders typically require 5-10% deposit (95-90% LTV). For buy-to-let, expect 25% (75% LTV). High-value properties (>£1m) usually need 25-40% deposit.
How fast can you arrange a mortgage offer?
Decision in Principle: same day. Full mortgage offer: typically 2-4 weeks once we have your full document pack and a property under offer. We push hard to compress this where chains are time-sensitive.
Do you charge fees?
No — we are paid by the lender, not by you. There are no broker fees on a standard residential or buy-to-let mortgage placed through our network.
What if I am self-employed or have complex income?
We have direct relationships with lenders that specialise in self-employed (1 year accounts), contractor day-rate, foreign income, and bonus-based applications. Pre-application packaging is where we add the most value.