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

People Say The Nicest Things!

We love going above and beyond for all our 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 😊

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James Dawkins
27/03/2024

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.

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Stephani Gassi
22/03/2024

We have used Prabs now for 5 years, he helped us with our first ever home and we have been back to him every time our fixed rate has ended. He is very professional and approachable and we feel we are in safe hands with him. Highly recommended!

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Jack Chappell
18/03/2024

Prab is fantastic, always available to answer any questions I have, alongside reminders for when mortgage terms are coming to an end. All around great guy with alot of knowledge and experience.

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Paul Konnully
17/03/2024

Prabs has been superb in guiding us through the mortgages offerings. He follows up prudently and advices as well as the market allows him to. Would definitely recommend!

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O M
15/03/2024

I cant believe how quick and efficent Prabs has been throughout the process. He is by far superior to the main stream banks. Nice login portal with all info, easy to do, and easy to understand options. Will be using again

Priti and Prabs were excellent in guiding us through this process and getting the best deal for us after a nightmare previously.

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Shiv Thakrar
12/03/2024

Prabs has helped me secure new mortgages for residential properties, buy to lets, mortgage renewals and a ‘let to buy’ - all at competitive rates with superb advice!

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Julio Patino
08/03/2024

Fantastic service! We have always done our mortgages directly with lenders, but had we know how easy Prabs would make it we’d have used him earlier. Great knowledge and held our hands through the remortgage process.....highly recommended!!

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Patino
08/03/2024

Brilliant service - quick, easy and financially beneficial to us! Highly recommend!

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)

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