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 🤩

Udit Tandan

Fantastic service once again. Prabs is a thorough professional and highly experienced broker. He has the ability to pre-empt your questions and proactively addresses them before you get the chance to even ask. He has your best interests and is always providing sensible guidance. Must recommend to anyone looking for a new /remortgage.

Tattiana Taffs

Prabs has recently arranged our mortgage. We are utterly thrilled with his efficiency and professionalism throughout. Would highly recommend his services.


P & M Financial Ltd provided exceptional service for our refinancing needs, assisting with additional borrowing seamlessly. Their professionalism and efficiency made the process smooth and stress-free. Highly recommend!

Malgorzata K

We have used P&M financial for our remortgage. I was feeling a bit overwhelmed with this chain buy but Prab was great starting with tips how to negotiate best price, finding mortgage and then explaining all our questions and doubts. We will definitely use P&M in future! Thanks Prab!

Couldn’t recommend P&M Financial enough. We will definitely be returning customers 🤩 we were not really sure what was our best option for remortgaging with the current interest rates and Prabs explained everything along the way, making sure we made the most of our money. Thanks

Alex King

Detailed, thorough and able to adjust to the relative experience of their clients. Thank you Prabs!

Arun Khan

My first remortgage, Prabs managed to lock in the best possible rate for me, i am really impressed with his speed and efficiency in putting the mortgage application through for me, we had a tight deadline and Prabs delivered, excellent service and comms reccommended highly and will be using again in future.

Joanna Jenkins

Priti has been a constant point of support throughout my house-buying process. Priti has advised and supported me through every step: recommending the right product, supporting me when the first house fell through, helping me navigate a lot of the legal jargon and advising me through a particularly complicated house purchase now. I was referred to Priti by my sister and BIL who similarly had a great experience, and I would strongly recommend her - she is a brilliant mortgage advisor who goes above and beyond for her clients.

Cannot recommend Prabs and Priti enough! 🙌 As a first time buyer who is thinking about a Mortgage I had lots of questions that I needed to be answered! The team at P&M Financial were so patient with me in explaining the steps I need to take in order to progress to looking for a mortgage, this included tips on saving for a deposit, questions on lending, stamp duty, rates and everything in-between! I am happy with all the info provided and have a clearer mindset on how to go about the process, I will 100% be back to do the mortgage with P&M Financial in due course 😊

James Dawkins

We have been using Prabs and P&M as our mortgage advisor for close to ten years now - and for good reason. Not only did he managed to get us a great deal when the rates were low, he has also managed to pull off the near impossible when we had to renew our mortgage in early 2024 when interest rates had jumped from what was 0.5% when we took the first mortgage to 5.25% today. We were genuinely concerned that our outgoings were going to jump by £400 or £500 per month. In fact we are locked in for the remainder of the term with only a £130 increase.. which means we now know exactly how much we will need each month until we own the house outright. In an uncertain financial world this security is worth it's weight in gold. Massive thanks to Prabs and all at P&M, we can sleep more comfortably now knowing exactly what are commitments are.

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)

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