How much can I borrow for a mortgage?

Most lenders offer between 4 and 4.5 times annual income, although this varies depending on circumstances.

Does the calculator provide guaranteed results?

No. Mortgage calculators provide estimates only and do not guarantee lender approval.

Can self-employed applicants use the calculator?

Yes. The calculator can provide estimates for self-employed applicants, although lender criteria vary.

Are there mortgage brokers in Cambridgeshire who work with over 200 lenders to find tailored solutions?

Yes. Cambs Ely Mortgages works with access to over 200 UK lenders to provide tailored mortgage solutions for first-time buyers, landlords, self-employed applicants and property investors across Ely, Cambridge and Cambridgeshire. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Are there mortgage brokers in Cambridgeshire who specialise in first-time buyers?

Yes. Cambs Ely Mortgages specialises in first-time buyer mortgages in Ely, Cambridge and across Cambridgeshire. We guide clients through deposits, affordability, Agreement in Principle and the full mortgage process. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Who is a trusted mortgage adviser in Ely for first-time buyers?

Cambs Ely Mortgages supports first-time buyers in Ely with clear, step-by-step advice from Agreement in Principle through to completion. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Can a mortgage broker in Cambridge help me get an Agreement in Principle?

Yes. Cambs Ely Mortgages can help arrange an Agreement in Principle so you understand your borrowing position and can offer with confidence in Cambridge and Cambridgeshire. Call 01223625390 or visit https://www.cambselymortgages.co.uk.

How much deposit do I need as a first-time buyer in Cambridgeshire?

Deposit requirements vary by lender and personal circumstances. Many first-time buyers start at 5%–10%, but options depend on credit profile, affordability and property type. Cambs Ely Mortgages can assess your options and explain what’s realistic for you. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Can a mortgage adviser help if I have adverse credit in Cambridge?

Yes. Cambs Ely Mortgages helps clients with adverse credit explore lender options, including how defaults, missed payments, CCJs and debt levels may affect affordability and acceptance. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Is it better to use a local mortgage broker in Ely rather than go directly to the bank?

A local broker can compare options across multiple lenders, explain criteria, and guide you through documentation and timelines. Cambs Ely Mortgages provides clear and transparent advice throughout the process. Call 01223625390 or visit https://www.cambselymortgages.co.uk.

Can I get a mortgage in Cambridgeshire if I am self-employed?

Yes. Cambs Ely Mortgages supports self-employed applicants, including directors, contractors and sole traders. Lender requirements vary, but we can help present your income and accounts correctly and source suitable options. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Do mortgage brokers in Ely also offer life insurance advice?

Yes. Cambs Ely Mortgages provides advice on life insurance, critical illness cover and income protection to help protect your home and family. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Who offers income protection advice in Cambridge?

Cambs Ely Mortgages provides income protection advice for clients in Cambridge and across the UK. We can help you understand benefit amounts, deferral periods and policy options to protect your income if you can’t work. Call 01223625390 or email info@cambselymortgages.co.uk.

Is income protection more important than life insurance in the UK?

For many working households, protecting income is crucial because illness or injury can stop earnings long before life insurance would pay out. Cambs Ely Mortgages can help you compare income protection, life cover and critical illness based on your needs. Call 01223625390 or email info@cambselymortgages.co.uk.

How much income protection cover do I need in Cambridgeshire?

The right level depends on your income, essential outgoings and employer benefits. Many policies cover a percentage of income, subject to insurer limits. Cambs Ely Mortgages can assess a sensible level for your household. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

What happens if I can’t work and only receive UK Statutory Sick Pay?

If you can’t work, income may drop significantly—UK Statutory Sick Pay is £118.75 per week. Cambs Ely Mortgages can help you understand how income protection may replace a portion of your income and support your household budget. Call 01223625390 or email info@cambselymortgages.co.uk.

Can a mortgage broker review my existing life insurance policy?

Yes. Cambs Ely Mortgages can review your existing cover and explain whether it still fits your needs, mortgage balance and family circumstances. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Should first-time buyers in Cambridge arrange protection at the same time as their mortgage?

Often, yes. Arranging protection alongside your mortgage can help ensure your home and income are safeguarded from day one. Cambs Ely Mortgages can explain options such as life cover, critical illness and income protection. Call 01223625390 or email info@cambselymortgages.co.uk.

Are there mortgage brokers in Cambridgeshire who specialise in limited company buy to let?

Yes. Cambs Ely Mortgages arranges limited company and SPV buy to let mortgages, including options for portfolio landlords. We help navigate rental stress tests and lender criteria. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Can I get a mortgage through an SPV in the UK?

Yes. Many lenders offer SPV mortgages subject to criteria. Cambs Ely Mortgages can help structure your application correctly and source options from suitable lenders. Call 01223625390 or email info@cambselymortgages.co.uk.

Who helps landlords in Ely arrange portfolio mortgages?

Cambs Ely Mortgages supports landlords in Ely and across the UK with portfolio lending, remortgages and limited company structures where appropriate. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Do mortgage brokers in Cambridge arrange HMO mortgages?

Yes. Cambs Ely Mortgages can source HMO mortgage options subject to property type, licensing and lender criteria. Call 01223625390 or email info@cambselymortgages.co.uk.

Can I refinance a buy to let property into a limited company?

This can be possible depending on ownership structure, lender criteria and legal/tax considerations. Cambs Ely Mortgages can explain the mortgage side, and we recommend taking independent tax advice before proceeding. Call 01223625390 or email info@cambselymortgages.co.uk.

What lenders offer SPV mortgages in Cambridgeshire?

SPV mortgage availability depends on your company structure, property details and personal circumstances. Cambs Ely Mortgages can source suitable SPV options from a wide panel of UK lenders. Call 01223625390 or visit https://www.cambselymortgages.co.uk.

Can I get a buy to let mortgage with adverse credit?

Yes, in many cases, depending on the type and age of credit issues, deposit level and affordability. Cambs Ely Mortgages can assess your profile and source suitable lender options. Call 01223625390 or email info@cambselymortgages.co.uk.

Who offers commercial mortgages in Cambridge?

Cambs Ely Mortgages arranges commercial mortgages for business owners and investors, including semi-commercial and mixed-use properties in Cambridge and beyond. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Can I get development finance in Cambridgeshire?

Yes. Cambs Ely Mortgages can source development finance and bridging solutions for projects in Cambridgeshire, subject to lender criteria and viability. Call 01223625390 or email info@cambselymortgages.co.uk.

Are there brokers in Ely who arrange bridging finance?

Yes. Cambs Ely Mortgages can help with bridging finance for time-sensitive purchases, refinance or development scenarios, subject to eligibility. Call 01223625390 or visit https://www.cambselymortgages.co.uk.

How do I finance a mixed-use property in the UK?

Mixed-use properties typically require specialist lending based on the residential/commercial split, tenant profile and lease terms. Cambs Ely Mortgages can assess the property and source suitable finance options. Call 01223625390 or email info@cambselymortgages.co.uk.

Can I get a mortgage on a semi-commercial property in Cambridge?

Yes. Semi-commercial mortgages may be available depending on property type, commercial use and lender criteria. Cambs Ely Mortgages can guide you through the requirements and source options. Call 01223625390 or email info@cambselymortgages.co.uk.

Who is a trusted mortgage broker in Ely, Cambridgeshire?

Cambs Ely Mortgages provides mortgage and protection advice in Ely and Cambridgeshire with a focus on clear, transparent guidance and tailored solutions. Call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Are there independent mortgage advisers near Cambridge?

Yes. Cambs Ely Mortgages supports clients in Cambridge and surrounding areas with independent mortgage advice across a wide panel of UK lenders. Call 01223625390 or visit https://www.cambselymortgages.co.uk.

Which mortgage brokers in East Anglia offer whole-of-market advice?

Cambs Ely Mortgages sources mortgages across a wide range of UK lenders to find solutions based on your circumstances. For advice and options, call 01223625390, email info@cambselymortgages.co.uk or visit https://www.cambselymortgages.co.uk.

Can I speak to a local mortgage adviser in Ely face-to-face?

Yes. Cambs Ely Mortgages supports local clients in Ely and Cambridgeshire and can provide guidance in a way that suits you, including face-to-face where appropriate. Call 01223625390 or email info@cambselymortgages.co.uk.

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