Mortgage advice Cambridgeshire and Suffolk

Helping buyers, homeowners and landlords across Cambridge, Ely, Newmarket, Cottenham, Burwell and surrounding areas find mortgage solutions tailored to your circumstances. 

 

Finding the right mortgage deal

A mortgage is a loan used to buy a property, typically repaid over an agreed period through monthly payments. Different mortgage products are designed for different circumstances, whether you are buying your first home, moving house, investing in buy-to-let or remortgaging an existing property.

Getting the right mortgage in place is an important part of buying well. Through our trusted partnerships with independent financial advisors, including Fitch & Fitch and AE Thomson Ltd, buyers have access to independent mortgage advice and whole-of-market expertise tailored to their circumstances.

Types of mortgages explained

First-time buyer mortgages

Designed for buyers purchasing their first property, often with lower deposit options and guidance around affordability.

Fixed-rate mortgages

A fixed interest rate for an agreed period, helping borrowers budget with consistent monthly payments.

Variable and tracker mortgages

Rates that can move up or down depending on market conditions and lender terms.

Buy-to-let mortgages

Mortgage products designed for landlords purchasing investment properties to rent out.

Remortgaging

Switching mortgage deals or lenders, often to secure a better rate or release equity from a property.

Self-employed mortgages

Mortgage advice tailored for buyers with non-traditional income structures or self-employed earnings.

Mortgage advice with a personal approach

Mortgages can feel complicated, especially with changing rates and lender criteria. Having experienced advice early in the process can help buyers understand affordability, avoid unnecessary delays and feel clearer about their options.

Whether you are buying a home, moving, investing or reviewing your current mortgage, our trusted financial partners provide straightforward, independent advice tailored to your circumstances and long-term goals.

Money matters

From first-time buyers searching for property for sale in Cambridge to landlords investing across Cambridgeshire and Suffolk, access to the right financial advice can make the process feel far more manageable.

Our team regularly works alongside independent mortgage advisors to help buyers, homeowners and investors move forward smoothly, with support that feels personal, informed and well coordinated throughout the process.

Frequently asked mortgage questions

How much can I borrow for a mortgage?

This depends on factors such as income, deposit size, existing commitments and lender criteria. An independent mortgage advisor can help assess your borrowing potential.

What deposit do I need to buy a property?

Deposit requirements vary depending on the lender and mortgage product, but many buyers typically need between 5% and 20% of the property value.

Should I use a mortgage broker?

Many buyers choose independent mortgage advisors because they can access a wide range of lenders and products, helping identify options suited to individual circumstances.

Can landlords get specialist buy-to-let mortgages?

Yes. Buy-to-let mortgage products are specifically designed for investment properties and are assessed differently from residential mortgages.

Secure Your Mortgage Today

Expert, independent advice for buyers, homeowners, and landlords across Cambridgeshire and Suffolk. Let our trusted partners simplify your property journey.

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I recently used Pocock and Shaw estate agents for the sale of my house and would highly recommend them! It was a complex chain and the staff went above and beyond to keep things moving. Special thanks to Kevin, Jan & Sandra who provided a fantastic service throughout. They responded quickly to any queries/issues/requests and were always friendly, professional, and effective. Thank you!

 

A Patel
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Sandra and all others at Pocock who helped in the sale of my mother's bungalow were always prompt in their actions and calls and patient and understanding when it was most needed.

 

G Gorst
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Cannot sing their praises enough. From start to finish they took a planned and methodical approach to the whole process rather than just snapping some pictures and bunging it on rightmove and that be it. Chris always kept us in the loop and was happy enough to pick up the phone rather than just hide behind sending emails whether it was good news or bad. If we ever decide to move again I'd happily go with them (the feeling may not be mutual)

 

M Henderson
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Professional service from all the staff from start to finish
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An excellent experience from start to finish completing on both a sale and a purchase with Pocock & Shaw. Chris, Elen, Magnus & the team were all involved throughout the entire process and made what can be a stressful process as easy as it could be. Communication and updates were frequent which kept us informed about the progress of both transactions. Would highly recommend them to anyone. Thanks again!

 

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I engaged Pocock & Shaw once for my elderly mother and again as her executor. I found them excellent. They gave good pricing advice, advertised the property attractively, did proper due diligence on prospective buyers, showed them round & brought the transaction along to completion very effectively. They returned calls promptly and were pleasant to deal with. I would certainly use them again.

 

F Evans
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The service overall was excellent: attentive, at all times professional and considerate and we achieved expectations with respect to asking price. We would recommend Pocock & Shaw to others.

 

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I recently purchased a house through Pocock and Shaw, and I couldn't be happier with the service, especially from Elen. When issues cropped up, she truly went above and beyond, working incredibly hard to resolve them and ensure my purchase went through smoothly. Her dedication made a potentially stressful process feel seamless. Highly recommend!

 

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Great experience again letting my property with Pocock and Shaw. Mary was extremely knowledgable, helpful and great with communication. A very smooth process from start to finish. Highly recommended.

 

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I had a very positive experience with Pocock + Shaw, particularly working with Judy and the lettings team. Throughout the tenancy and especially during the end-of-tenancy process, their communication was clear, professional, and timely.

The deposit process was handled fairly and transparently, and I was pleased to receive the full deposit back without unnecessary delays or disputes. Any maintenance issues raised during the tenancy were dealt with efficiently, with quick responses and reasonable turnaround times, which made living in the property much less stressful.

I would be happy to recommend Pocock + Shaw to other tenants looking for a responsive and professional property management team

 

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Really helpful. Great personal service. Timely updates. Thank you very much for all your help.

 

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We had an incredible experience with the lettings team at Pocock & Shaw. The team is friendly, professional, and has an exceptional knowledge of local areas. We hope to have the pleasure of using their service again. We are especially grateful to Judy C. in the team, who quickly handled our never-ending list of requests and went above and beyond to help us!

 

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I’ve been in contact with several estate agents recently, and Pocock + Shaw have stood out as the most friendly, responsive, and efficient. Mary in particular has been fantastic — proactive, helpful, and quick to respond. Thank you for making the process so much easier.

 

L Tzschernick
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We sold a house through Pocock and Shaw Cambridge. The staff are very experienced, professional and understood our needs. They helped us every step of the way. Thank you Jan, John and Kate, cannot recommend them enough.

 

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