Flaviu Luca – Trusted Mortgage and Protection Broker in Newmarket, Cambridgeshire.

Are you searching for a Mortgage Broker in Newmarket who can help you secure the right mortgage for your needs? I’m Flaviu Luca, a dedicated mortgage and protection adviser, committed to offering expert advice to homebuyers, homeowners, and property investors.

Expert Mortgage Advice Tailored to You

With extensive knowledge of the UK mortgage market, I provide straightforward guidance to help you make informed decisions. Whether you are buying your first home, moving, remortgaging, or investing in property, I work to find a mortgage that suits your financial situation.

Newmarket is one of the areas where Flaviu Luca offers expert mortgage services. Based in Cambridgeshire, she provides specialist advice on a wide range of property finance needs.

Whether you need help with buy-to-let, commercial, semi-commercial, HMOs, bridging finance, or limited company mortgages, support is available every step of the way.

You’ll also receive guidance on protection plans and general insurance that meet UK lender standards.

Specialist Advice for Complex Property Finance

Flaviu Luca brings tailored expertise to clients in Newmarket and nearby towns. If you’re expanding a property portfolio or purchasing mixed-use premises, you’ll benefit from mortgage recommendations built around your business and income profile.

She offers support for:

• Commercial and semi-commercial mortgages

• Buy-to-let and HMOs

• Bridging finance for purchases or refurbishments

• Limited company buy-to-let mortgages

• Life cover, income protection, and property-related general insurance

All advice complies with UK mortgage lending rules and reflects up-to-date lender policies.

Bridging Finance Guidance in Newmarket

Bridging loans suit time-sensitive purchases or renovation projects. Whether buying before a chain completes or funding a conversion, Flaviu helps identify suitable lenders.

You’ll be advised on:

• Exit strategies acceptable to lenders

• Loan-to-value limits based on the asset type

• Terms for regulated and unregulated bridging loans

• Whether rolled-up interest or serviced payments suit your case

Applications are reviewed for speed and accuracy, helping you act quickly in competitive local markets.

Buy-to-Let and HMOs

If you’re buying rental property in Newmarket or letting to multiple occupants, you’ll receive tailored options based on your ownership type.

This includes:

• Single-let and multi-unit options

• HMO-specific lender criteria

• Licencing rules in Cambridgeshire

• Stress-testing calculations for affordability

Limited company applications can also be arranged for tax efficiency.

Commercial and Semi-Commercial Property Mortgages

Business owners and investors can access commercial and semi-commercial mortgages suited to local properties. This covers:

• Retail units with flats above

• Warehouses, offices, or storage sites

• Business premises with residential sections

Flaviu works with lenders who understand complex ownership structures and varying income types.

General Insurance and Protection

Securing property is just one step—protecting it matters too. Flaviu helps arrange:

• Buildings and contents insurance

• Landlord policies with loss-of-rent cover

• Life insurance and income protection plans

These meet lender requirements and are tailored to your personal situation.

Local Knowledge: Supporting Clients Near Newmarket

While based in Cambridgeshire, Flaviu supports clients in six nearby towns:

• Ely

• Bury St Edmunds

• Cambridge

• Saffron Walden

• Royston

• Haverhill

Each town has unique lender appetites, property values, and planning requirements. Flaviu adjusts the advice accordingly. Find a mortgage broker in Newmarket.

Why Newmarket Clients Choose Flaviu Luca

Newmarket is one of the areas where clients benefit from her practical, detail-focused approach. You’ll receive:

• Lender-matched solutions based on property type

• Clear timelines from application to completion

• FCA-regulated advice with no jargon or pressure

• Full support with documentation and conveyancing coordination

Whether you’re a landlord, business owner, or first-time commercial buyer, she ensures your case meets current lending criteria.

Bilingual Mortgage Broker: English and Romanian

Flaviu Luca speaks both English and Romanian. For Romanian-speaking clients in Newmarket and surrounding areas, this means clearer communication and fewer delays during the mortgage process.

Complex terms are explained in your preferred language, making the experience more transparent and less stressful.

Speak to a Mortgage Broker in Newmarket, Cambridgeshire

If you’re exploring commercial mortgages, bridging loans, or HMOs in Newmarket, help is just a call away. Flaviu Luca delivers reliable, FCA-compliant advice with personal attention to every client.