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 🤩

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.

Paul Minta

Prabhakar Kapadia of P & M Financial Ltd has been my broker since 2019 when he helped me get my first mortgage. He has helped to renew my mortgage two times with very competitive rates. He is highly knowledgeable in what he does and extremely efficient in getting the best deals on the market. He is very customer focused, approachable and is always ready to help. He makes the whole process very simple and seamless. I highly recommend him to any one who needs mortgage advice.

I have been lucky enough to have P&M looking after me for 8 years now. I honestly would never use anyone else. I had the pleasure of dealing with Fabian, he was really helpful, attentive and came back to me super quick. If you're looking for a honest , helpful broker that will work round the clock and super fast look no further. I feel like ive made friends with P&M and know they have my best interests at heart. Thanks again Debbie & Ryan

Eduard Seuruk

Thanks for the professional advices, being always responsive and very descriptive. It was very important for us. Highly recommended.

Edward Rong

Amazing broker, always has time to answer your questions. Responds promptly and will arrange the best product for you. Also doesn’t charge an extra fee and is better than many of those who do.

Prabs is friendly and very easy to speak with. He helped us get our first mortgage many years ago and has helped us with our remortgages ever since. Highly recommend.

Extremely efficient and very helpful indeed. The service we received was fantastic. I would recommend them to friends and family. Thanks a million Prabs!

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.

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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