Financial mortgage advice, insurance brokers & advisors in Cambridge

Mortgages

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High net worth

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Insurance

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Wills

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With over 75 year’s industry experience, Limetree Financial Services are a friendly team of brokers who provide impartial financial advice. Whether you need information on a mortgage or an insurance policy, whatever your requirements, our Cambridge based advisors have the knowledge to help guide you through this complex area.

We understand the stress involved in buying a house so whether you are a first time buyer or an experience property owner, our brokers will listen to your requirements, ensure you understand the process and create a bespoke personal service that is perfect for you.

We pride ourselves on our depth of knowledge and high standard of customer service and can offer advice on the correct insurance policies for your new or existing property specific to your lender’s requirements. We explain the policy options open to you in a language you understand and ensure that you only take out the cover you need. From buildings to content insurance, we can advise on the most suitable policy for you.

From our Cambridge office, our advisors have a wide knowledge of the mortgage and insurance markets therefore can offer you the best deal available. As independent financial advisors we have access to a wide range of insurance and mortgage brokers therefore with no allegiance to a particular lender or underwriter, you are guaranteed the best deal available, including exclusive offers that are not available on the high street or online.

Being open, honest and transparent in our approach, we are also authorised and regulated by the Financial Conduct Authority so you can rest assured we will always act with integrity and a high level of professionalism.

So if you would like advice about mortgages or insurance packages, or would simply like some impartial guidance on our services, please don’t hesitate to get in touch. Give our friendly advisers a ring today on 01223 266140.

  • "Along with David they both pursued my case professionally but relentlessly until we secured the borrowing. The Limetree team are conscientious, knowledgeable, personable and dedicated. I would wholeheartedly recommend their services to my family and friends.

    Tessa Bolyn
    Huntington
  • "My borrowing requirements were complex and challenging, I had sought advice from many brokers but kept being told that my case was implausible. When I approached James, he had a very different and very positive outlook from the offset, he kept exploring options until he located a lender that was open to my criteria.

    Vanessa Comyn
    Cambridge
  • "Thanks so much for the support you gave me while purchasing a property in Cambridge. It was my first time buying property here and the process went very smoothly thanks to you.

    Tony Lin

Latest blog posts

New Rules for Lenders on Buy-To-Let Landlords from the Bank of England

The Bank of England (BoE) is introducing new mortgage regulations for landlords. They will come into effect from the 30th September 2017.

It will mean that when applying for mortgages for new properties, most landlords with three or more mortgaged properties that they rent out, will need to give much more information regarding their existing properties, assets, income, liabilities and costs.

How will things change?

At the moment the majority of lenders focus mainly on the value and rental income of the property they are lending against when underwriting buy to let mortgages.

With the new underwriting requirements from the BoE, all lenders will need to collect and validate information regarding every property that the landlord has an interest in when considering their application. This will include collecting information on rental income, property values, mortgages and costs from each and every property the landlord owns.

The reason the BoE has asked lenders to change their approach is that they want lenders to have a full understanding of the financial circumstances of landlords with multiple properties and the impact that any new lending might have on their finances.

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