Expert mortgage and insurance advice for Bedfordshire, Hertfordshire and London.

Now more than ever it is important to seek professional advice.
With rates changing all the time, the right mortgage strategy is essential!

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

Meet Prabs

Prabs

Owner and Executive Mortgage & Protection Broker – CeMAP

Mortgage Specialism: Self employed Dentists, Senior Bankers, Senior Management with RSU (Stocks) Bonuses, Large Loans & Limited Company Buy to let

Thanks for visiting our website! I’m Prabs, owner of P&M Financial. Getting mortgage advise shouldn’t be complicated or confusing! The team and I are here to give you a truly personal experience, clear of jargon and confusion. If you’re thinking of buying your first or next home or remortgaging, get in touch with me now and let me help you find the most suitable product available today.

Meet the Team

Priti Shah

Mortgage & Protection Broker - HND Business Information Technology and CeMAP

Mortgage Specialism: New Builds, Help to Buy and Shared Ownership

Fabian Kapadia

Mortgage & Protection Broker - CeMAP

Mortgage Specialism: First Time Buyers and Remortgaging

People Say The Nicest Things!

We love going above and beyond for all our clients 🤩

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David Quenault
02/10/2024

We have used Prabs in the past and he was excellent then in helping us navigate the mortgage market and getting the best possible deal that suited our requirements. We recently reached out again for advice, and although he wasn't able to help us resolve our particular situation, he provided invaluable advice which we were able to action ourselves for a great result. Highly recommended.

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Jai Patel
30/08/2024

A highly supportive company that guided me as a first time buyer through much of the purchasing process on more than just mortgages. Always reliable with prompt responses from Fabian, highly recommend!

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amar shah
27/08/2024

Prabs has been efficient, knowledgeable and has got us a great rate on our new mortgage. Communications are always quick. 100% recommend using the firm for your next mortgage!

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Just like a proficient tax advisor, a reliable mortgage broker with good connections in the industry is essential and difficult to come by. Prabs has helped us with two purchases and two remortgages now and he’s been faultless every-time. Yes, of course we can apply for a bog standard mortgage on our own but our situation is a little ‘out of the box’ so we use P&M Financial to navigate our circumstances and Prabs just makes the process so easy. He’s knowledgable and a great resource, we’ll be using him again and again for a very long time. Thanks Prabs!

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Vimoth Rasa
15/08/2024

“I had an excellent experience with P&M Financial Ltd. Their team was incredibly efficient, handling everything quickly and with great accuracy. I was impressed by how smoothly the entire process went, and it was clear from the start that they value trust and reliability in their services. If you’re looking for a financial company that prioritizes your needs and delivers results promptly, I highly recommend P&M Financial Ltd.”

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Zafar Iqbal
14/08/2024

P&M Financial Ltd provided exceptional service for my mortgage needs. Fabian was professional, knowledgeable, and guided me through the process with clear communication. He tailored options to my situation and secured a great rate, making the entire experience smooth and stress-free. I highly recommend them for anyone seeking mortgage services. Aqil

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Sejal Patel
05/08/2024

As a first-time homebuyer, the mortgage process felt daunting, but Prabs made it smooth and manageable. He was always available to answer questions and explained every step clearly. His expertise and dedication gave me confidence and peace of mind. Prabs's professionalism and friendly demeanor made working with him a pleasure. I highly recommend him to anyone looking for a knowledgeable and supportive financial broker. He's made my first home-buying experience a positive one!!

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theazab17
01/08/2024

Ran a smooth remortgaging process for us and stayed regularly in touch to check in on progress. Easily contactable and always looking to help. Know their stuff and are great at highlighting the options and trade offs. Thank you!

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Chandnee
29/07/2024

This is the second time using P & M Financial LTD and it has been great! Fabian took all our considerations onboard and dealt with our queries fast. We have had regular communication/updates and our questions are all answered sufficiently. Thank you Fabian!

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Beverley Eames
25/07/2024

Used twice now and despite lots of complications the first time round, I received excellent service both times. More than happy to recommend them - Beverley

You can provide feedback or make a complaint to our network Sesame. Please contact them on the details below:

Write to: The Customer Relations Department, Sesame Limited, Fourth Floor, Jackson House, Sibson Road, Sale, M33 7RR.

Email: CustomerRelations@sbg.co.uk
Telephone: 0345 0456 800 (Mon-Fri 9 am to 5 pm)

Mortgage & Insurance News

Mortgage and insurance tips, advice and local area news for Luton and London.

The Benefits of using a Mortgage Advisor over going direct: Why P&M Financial can help you make the right choice

Understanding Recent Stamp Duty and Tax Changes: What You Need to Know

Common Mortgage Application Pitfalls and How to Avoid Them

UK Stamp Duty Changes: What First-Time Buyers Need to Know and How It Affects Your Finances