Cambridge and Country Financial

Whole-of-market mortgage advice from Cambridge

Cambridge and Country Financial operates as a whole-of-market mortgage broker based in Cambridge, working with individuals, families and professionals in the city and its surroundings. The firm presents its advice as tailored to a fast-moving local property market, covering first-time purchases, moves within Cambridge and remortgage decisions. Its stated approach combines knowledge of the local market with mortgage guidance aimed at securing an appropriate solution.

The practice is registered with the Financial Conduct Authority under reference 1021222, and its published material notes that the guidance it provides falls under the UK regulatory regime and is directed at consumers based in the UK.

Mortgages across the property journey

Mortgage work is the core of the business. The firm advises first-time buyers, homeowners remortgaging and investors acquiring buy-to-let properties, and it also handles the financial side of property ownership more broadly. Beyond standard residential lending, it specialises in land investment and self-build projects, where it assists with self-build mortgages, associated insurance and risk management for the duration of the project.

The site carries the standard regulatory warnings that a home may be repossessed if repayments are not maintained, and that some buy-to-let, HMO, commercial and bridging finance mortgages are not regulated by the Financial Conduct Authority.

Insurance and protection

Alongside mortgages, the company offers insurance guidance intended to protect family and assets. Its advisers review existing policies and employee benefits, and discuss cover such as long-term sickness protection to help with monthly expenses, life insurance to support a family in the policyholder's absence, and other policies designed to safeguard income and assets.

Private healthcare

The firm also presents itself as a specialist in private healthcare, a service line listed alongside mortgages and insurance in its main navigation.

Fee policy

According to the information published by the company, most clients pay no fees, and mortgage advice is free in the majority of cases. It states that no fees apply to mortgage applications over £300,000, to new-build purchases, or to product transfers and changes with an existing lender, and that other situations may also qualify. For smaller loans or more complex cases, fees are described as competitive, with the firm noting that it aims to avoid charging where possible because it receives commission from the lender once a mortgage completes.

How clients meet the advisers

The company maintains an office at The Quad, No. 9, Journey Campus, Castle Park, in Cambridge, which it describes as a setting for face-to-face meetings. It presents in-person appointments as a way to build trust and explore needs in a calm setting, while also offering video calls and telephone conversations for clients who prefer them.

Complaints procedure

Complaints are handled through a customer complaints manager at Quilter, Sunderland SR43 4JP, with a dedicated email address and telephone number. The site also notes that clients who cannot settle a complaint with the firm may be entitled to refer it to the Financial Ombudsman Service.