Financial mortgage advice, insurance brokers & advisors in Cambridge

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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, we are a friendly Mortgage Broker Cambridge based and 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 Landlords: 10 Costs To Consider.

Are you thinking of becoming a landlord in Cambridge?  If you’re new to the buy-to-let market and property investment read on for our financial advice to make sure you aren’t caught on the hop.  You should always keep a reserve of money for…

  1. Repairs: If something goes wrong or breaks, in some cases it’s up to you to pay for the repairs. e.g. costs for a plumber to fix a leak, or to replace a broken appliance. Do keep all receipts for repairs you’ve paid for, as these could be tax deductible.
  2. Mortgage repayments: If you don’t own your property outright, you’ll still need to pay your mortgage even if you aren’t getting rental income.
  3. Bringing your property up to standard: You’ll need to spend a bit of money to make sure it’s up to code. Includes fire safety precautions, electrical upgrades & more. There are extra compliances to consider if it’s going to be a ‘House in Multiple Occupation’. Legislation does change so you have to keep abreast of laws pertaining to rental properties.
  4. Refurbishment costs: e.g. painting and decorating. You may need to refresh the decor between renters.
  5. Agency fees: letting an agency handle your property means you don’t have to be ‘on-call’ for tenants. It also reduces some of the admin work. The typical charge is 10-15% of the rent, another cost to consider.
  6. Furniture: If you’ve decided to rent your property as ‘furnished’, you need to ensure sofas are fire resistant (and have the fire safety label attached). You’ll also need budget to replace furniture that becomes damaged or unsafe as a result of wear and tear.
  7. Insurance: tenants usually take on the responsibility for most monthly bills like gas and electricity but you are responsible for sorting out (and paying for) buildings insurance.
  8. Energy performance certificate: costs between £50 – £100 and is a legal requirement if you’re renting or selling a property. It lasts 10 years, so you don’t need to renew it for every tenancy.
  9. Membership of a Landlord Association: an optional consideration. They charge anywhere from £50 to £184 per year, depending on which one you choose and which level of membership you go for.
  10. Solicitors’ fees: it’s a good idea to get your tenancy agreement looked over by a legal professional to ensure it’s watertight. If you join a landlord association, you’ll may have access to solicitor-approved tenancy agreements.

Our team of advisors have decades of experience sourcing and managing buy-to-let mortgages, we are independent so have access to the entire buy-to-let mortgage market. Whether this is your first or 50th property investment we have the skills and expertise to guide you through your purchase.