The Mortgage Bureau

Mortgage Brokers in Cambridge


Providing expert advice on how to take out a mortgage

The Mortgage Bureau has been serving buyers in the Cambridge area for three decades, giving us unmatched expertise in the local market. Our mortgage advisers work face-to-face with clients to guarantee that they’re getting the best mortgage deal for their home or property.

We take great pride in our independence. Separate from all external mortgage lenders and estate agents, we put you, the purchaser, first. We are committed to finding you the right mortgage deal with the lowest interest rates. Because we are independent mortgage brokers, we have the freedom to provide top-quality services, giving you the security of knowing that you’re getting the best deal when you work with our mortgage brokers in Cambridge.

We pride ourselves on our long-term relationships with buyers. Whether you’re a first-time buyer or a returning customer, we understand that people’s financial situations change over time, so it’s a priority for us to make sure we’re meeting your needs even when they change.

About our brokerage in Cambridge

Our Cambridge office is located on East Road by The Grafton Centre, making it easily accessible from most parts of the city. The nearest car parks are Grafton East, Adam & Eve Street and Queen Anne Terrace at Gonville Place. Several of the local estate agents we work closely with are based nearby. Some of our other local offices are in Bury St. Edmunds, Ely and Peterborough.

Our independent mortgage advisers serve customers from Cambridgeshire, Essex, Norfolk, Suffolk, Bedfordshire and surrounding counties, and we also have a registered office in London.

Cambridge is a well-connected city, so traveling here from other parts of the country is relatively easy. Direct trains typically depart from London to Cambridge every 10 to 15 minutes throughout the day. Travelers can depart from London Kings Cross on Great Northern or from London Liverpool Street Station with Greater Anglia. It usually takes around 45 minutes to 1.5 hours to travel from London by train.

Taking out a mortgage

Even for residential buyers, filling out a mortgage application can be stressful. But it doesn’t need to be. There’s important information you should know to ensure you’re making the right financial decision.

We work with all property buyers, including first-time buyers, those remortgaging, home movers and returning buyers. One of the important pieces of information to know is you could be entitled to stamp duty relief to help offset some of the costs. Determining who qualifies as a first-time buyer is not as easy as it might seem, so our independent brokers in Cambridge can help you figure out if you’re eligible.

Some buyers might think it’s best to go straight to a mortgage lender when they’re ready to purchase a new property. But going through a brokerage firm gives you certain advantages. Mortgage brokers serve as the middleman between buyers and lenders.

We have access to approximately 100 lenders and thousands of different mortgage schemes from which we are able to access the most competitive mortgage products. We take into consideration such factors as arrangement fees, valuation/survey fees, interest rates and other incentives like free legal services and cashback options.

Expert mortgage advice

We don’t just help you find the right mortgage provider; we offer expert advice to help you navigate the market and find the perfect mortgage deal for your situation.

If you’re interested in purchasing a property specifically to let it out to tenants, you will need to apply for a buy-to-let mortgage, which is different from a standard residential mortgage. Not everyone qualifies for buy-to-let mortgages, so you should contact our mortgage advisers so we can determine if you’re eligible.

Many people run into financial difficulty that makes it hard for them to take out a mortgage. Our Cambridge mortgage advisors have access to the entire market, so when you work with us, you can feel confident you will find a lender willing to offer you the perfect mortgage rate depending upon your circumstances.

Remortgaging

When you remortgage a property, you’re using the proceeds you receive from a new mortgage deal with a different lender to pay off your first mortgage, using the same property as collateral. Frequently, there is an assumption that remortgaging involves moving homes or taking out a second mortgage, but that isn’t usually the case. The main difference when you remortgage, is you’re changing lenders.

Remortgaging can be beneficial for many property owners. Some choose to do so to reduce their monthly mortgage rates, while others do it to raise capital for other projects, perhaps to start a business. But remortgaging isn’t right for everyone. Fees can be high when you switch your mortgage lender, so it’s important to seek the right financial advice to ensure that remortgaging makes sense for you.

Relationships drive us forward

One of the greatest advantages to working with The Mortgage Bureau is that we prioritise our long-term relationships with buyers, so we’re committed to finding you the right mortgage throughout your time working with us. We periodically review your mortgage to assess whether we can work to adjust the terms to make sure it’s the right fit for your needs.

When it’s time to review your mortgage, we will search the entire market of lenders to see if there are better deals out there for you. If we find one, and you agree that it works for you, we’ll help you make the transition.

Contact one of our independent mortgage brokers in Cambridge today to begin the process of finding the perfect mortgage for your new property.

Contact a Mortgage Advisor in Cambridge


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    About our office in Cambridge

    The Mortgage Bureau has been a mortgage adviser to customers living near Cambridge for 30 years.  First-time buyers, in particular, can take advantage of quotes from the whole of the market rather than being tied to just one source of finance.  All clients benefit from the long-term relationship that includes regular reviews.  This means they can remortgage with a better deal when it makes financial sense for them to do so.

    Our Cambridge office enjoys a prime location on East Road by The Grafton Centre. A number of local estate agents with which we work closely are located nearby. Our nearest other offices are in Bury St Edmunds, Ely or Peterborough in case one of them is more convenient for you.

    We serve customers from Cambridgeshire, Essex, Norfolk, Suffolk, Bedfordshire and surrounding counties and we have an office in London.

    Parking:

    The nearest car parks are Grafton East, Adam & Eve Street and Queen Anne Terrace at Gonville Place.

    Transport:

    Direct trains typically depart from London to Cambridge on average every 10-15 minutes throughout the day. Travellers can choose to depart from London Kings Cross on Great Northern or from London Liverpool Street Station with Greater Anglia. The average journey time from London to Cambridge by train will take from 45 mins to 1.5 hours.

    You will find everything you ever needed to know about transport in Cambridge from Cambridge Online, www.colc.co.uk/about/transport.html.

    Information:

    Cambridge is a beautiful city in East Anglia. Cambridge lies on the River Cam, a tributary of the Ouse. It is the county town of Cambridgeshire. Nearby Towns and Cities include Ely, Huntingdon, Newmarket, Bedford, Peterborough, St Ives and St Neots.

    Cambridge is home to the world-renowned University of Cambridge, was founded in 1209. The buildings of the university include King’s College Chapel, Cavendish Laboratory, and the Cambridge University Library, one of the largest legal deposit libraries in the world. The city’s skyline is dominated by several college buildings, along with the spire of the Our Lady and the English Martyrs Church, the chimney of Addenbrooke’s Hospital and St John’s College Chapel tower. Anglia Ruskin University, which evolved from the Cambridge School of Art and the Cambridgeshire College of Arts and Technology, also has its main campus in the city.

    The City is at the heart of the high-technology Silicon Fen with industries such as software and bioscience and many start-up companies born out of the university. More than 40% of the workforce has a higher education qualification, more than twice the national average. The Cambridge Biomedical Campus, one of the largest biomedical research clusters in the world, is soon to house premises of AstraZeneca, a hotel and the relocated Papworth Hospital.

    The Backs is a picturesque area to the east of Queen’s Road where several colleges of the University of Cambridge back on to the River Cam, their grounds covering both banks of the river. The name “the Backs” refers to the backs of the colleges. The area consists of the rear grounds of the following colleges (north to south): St John’s with buildings on both sides of the river, spanned by the St John’s kitchen bridge and the famous Bridge of Sighs, Trinity College, Clare College, King’s College and Queens’ with buildings on both sides of the river, spanned by the Mathematical Bridge.

    Historically, much of the land was used by the colleges for grazing livestock or growing fruit. Cattle can still be found grazing behind King’s College. The river was also an important commercial thoroughfare to the mill at Silver Street.

    The favoured form of transport in the city is the bicycle and many of the outlying villages such as Granchester (home of Rupert Brooke the WW1 poet), Coton, Madingley, Girton, Trumpington, Fen Ditton, Barton, Comberton and Cherry Hinton are all within easy cycling distance of the City Centre. The village of Cottenham is famous for its racecourse which lies directly to the east of the village at Mason’s Pasture. The University of Cambridge horse racing clubs have been riding at Mason’s Pasture since the late 18th century.

    Many of the villages in the Cambridge area have become popular with commuters to London who benefit from the best of city and country life. Amongst others, the railway line passes through Foxton, Shepreth, Meldreth, Royston, Ashwell & Morden, Shelford, Whittlesford, Great Chesterford and Audley End.

    The Visitor Information Centre can be found at The Guildhall, Peas Hill, Cambridge, CB2 3AD telephone number 01223 791500.

    Here is a fascinating page of information courtesy of Cambridge Ultrasonics – https://www.cambridgeultrasonics.com/tourist_info/tourist_info.htm.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A typical fee is £295. Ask for a personalised illustration. The Mortgage Bureau is a trading name of A.M. Mortgages (UK) Ltd. Authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some aspects of Buy to Let mortgages.

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