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


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 🤩

Matt Haslar

Great and efficient service, would definitely recommend

Sunny Verma

Prabs is really good at what he does and managed to sort out my mortgage without any hassle. Would definitely go back to him in the future.

Prachi Misra

One of the best mortgage agencies- Priti is highly dedicated, always available and supportive to clients needs.

Henry Freeman

A truly reliable and hardworking team who have worked tirelessly on an extended timeline to get us the mortgage we required, under a challenging set of circumstances. Could not recommended Prabs and his team more highly.

zena ellis

I felt very reassured by Priti, her advice was sound and she sought out the best mortgage deal for us. I would highly recommend.

Ghazi Chowdrey

Fabian was professional and recommended me the right product. Great service

nisha b

We have use P&M Financial Ltd for all our mortgage and remortgage and very highly satisfied. Definitely recommend as you will be in trusted hands.


Prabs made things so easy, would highly recommend.

Prabs has been brilliant. He came in at the 11th hour and saved the day... and saved us a ton of money and knocked years off another mortgage offer that we were about to sign. Very easy to deal with and very fast in getting everything arranged. I would happily recommend and will be getting in touch again when it's time to remortgage.

Adjoa Minta

The services P &M Financial Ltd offers is unmatched. Prabhakar is the fastest and most efficient Mortgage broker I have ever come across. He is ever ready to listen and address your concerns in the quickest time. I am happy to use P & M Financial over and over and would give them 100% recommendation.

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.

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 Best Ways for First-Time Buyers to Save a Deposit – and Why They Need a Lifetime ISA

Understanding Your Credit File and How to Improve It

Tips on Saving for Your First Deposit: A Mortgage Advisor’s Guide

Buying an Investment Property Under a Limited Company: Why It Could Be More Tax Efficient