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Profile photo of Flaviu Luca | Mortgage Broker in Newmarket, Cambridge

Flaviu

Luca

Location:

Cambridgeshire

Additional Language(s):

Romanian.

Qualifications:

CeMAP

Appointment Options:

 
Online, Telephone

Gender:

Male
Custom Mortgages and Finance logo featuring a blue key and house icon above the company name.
Flaviu’s top skills:
Helping clients secure residential, buy-to-let & limited company mortgage solutions with clear guidance tailored to affordability, goals & lender criteria.
Supporting property investors seeking commercial mortgages & bridging finance for auctions, refurbishments, mixed-use properties & time-sensitive purchases.
Providing support with protection, general insurance & second charge mortgages to help clients review borrowing options alongside financial security planning.
Contact Flaviu
Book an appointment with Flaviu

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More about Flaviu:

Flaviu Luca, Mortgage Broker at CM Finance Ltd and Mortgage Broker in Newmarket

 

Flaviu Luca is a mortgage broker at CM Finance Ltd, supporting clients across Cambridgeshire and surrounding areas with a wide range of property finance solutions. Fluent in both English and Romanian, Flaviu works with first-time buyers, home movers, landlords, and property investors who require clear and straightforward mortgage guidance.

CM Finance Ltd provides advice on Residential Mortgages, HMO Mortgages, Buy-to-Let Mortgages, Limited Company Mortgages, Commercial Finance, Bridging Finance, Second Charge Mortgages, Protection, and General Insurance.

Mortgage advice is tailored to individual circumstances and provided in line with current UK regulatory standards.

Mortgage Advice in Newmarket and Across Cambridgeshire

If you are searching for a mortgage broker in Newmarket, it is important to work with an adviser who understands lender criteria, affordability requirements, and the importance of suitable recommendations. Flaviu supports clients purchasing their first property, moving home, refinancing existing borrowing, or expanding a property portfolio.

Advice is based on affordability, eligibility, and suitability. Where appropriate, options from a broad range of lenders are considered to help identify competitive solutions.

Flaviu also supports Romanian-speaking clients who may prefer discussing mortgage options in their native language to ensure greater understanding throughout the process.

How Mortgage Advice Is Delivered

Every mortgage journey begins with a detailed review of your financial circumstances and property objectives. This helps ensure recommendations are suitable and aligned with your needs.

The process may include:

  • Reviewing income, expenditure, and credit commitments
  • Explaining mortgage products and repayment options
  • Discussing lender criteria and associated costs
  • Supporting communication with lenders, solicitors, and estate agents
  • Providing guidance throughout the application process

Clients are encouraged to ask questions to make informed financial decisions with confidence.

Areas of Advice

CM Finance Ltd provides advice in the following areas:

Residential Mortgages: Support for first-time buyers, home movers, and clients purchasing a new main residence.

Buy-to-Let Mortgages: Guidance for landlords purchasing or refinancing investment properties. Tax treatment depends on individual circumstances and may change.

HMO Mortgages: Advice for landlords purchasing or refinancing Houses in Multiple Occupation, subject to lender criteria and property suitability.

Limited Company Mortgages: Support for property investors purchasing through limited company structures, where appropriate.

Commercial Finance: Funding solutions for commercial and mixed-use properties, subject to lender assessment.

Bridging Finance: Short-term lending options for time-sensitive purchases, refurbishments, or property chain delays.

Second Charge Mortgages: Advice for homeowners exploring additional borrowing secured against their property.

Protection and General Insurance: Guidance on protecting your home, income, family, and financial commitments.

Supporting a Range of Client Circumstances

Flaviu supports clients with a variety of financial situations, including:

  • First-time buyers entering the property market
  • Self-employed applicants with complex income structures
  • Property investors building or refinancing portfolios
  • Landlords purchasing HMOs or limited company properties
  • Homeowners reviewing existing mortgage arrangements

Each application is assessed on its own merits. Mortgage approval is subject to lender underwriting, affordability, and eligibility checks.

Location and Availability

Flaviu, a mortgage broker in Newmarket, works with clients in Newmarket and the surrounding parts of Cambridgeshire. Advice may also be provided remotely where appropriate.

Areas Near Newmarket

  • Cambridge
  • Ely
  • Soham
  • Haverhill
  • Bury St Edmunds
  • Saffron Walden
  • Royston
  • Huntingdon

Speak to Flaviu Luca

If you require mortgage advice in Newmarket or the surrounding areas, you can arrange an initial discussion to review your circumstances and property goals. The aim is to provide clear and transparent guidance so you can make informed decisions based on your needs and long-term plans.

Mortgage advice should always be based on suitability, affordability, and your individual financial circumstances.

Luca was very helpful with the re-mortgaging process. He went through everything in detail and took the time to make sure I understood my options. He helped us choose the best protection package to suit our needs, which was really reassuring. He was professional, friendly, and reachable at any time when I had questions throughout the process. His updates kept everything on track, and the whole experience was much smoother than I expected. I'd happily recommend him to anyone needing mortgage advice.

Dan Popa

Working with Luca was an absolute pleasure! He was very knowledgeable, responsive, and patient, guiding us through every step of the mortgage process with ease. His expertise and personalized advice made the entire experience smooth and efficient. Highly recommend!

Magdalena Popa

Thank you so much for your support in resolving our insurance! It is such a reassurance to receive sound guidance, patience in answering all our questions, and high quality expertise. Highly recommend when you require a reliable advisor that looks to your future as a whole.

Brindusa Lorena Dinita

I've recently taken out an insurance product with this company and in all honesty I wholeheartedly recommend them! The advisor I spoke to, Flaviu Luca, was extremely knowledgeable and helpful, patiently covered every aspect and answered all my questions, no issues whatsoever. I will definitely come back to discuss further needs! Thank you very much!

Razvan-Ioan Dinita

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Contact Flaviu:
CM Finance Ltd

is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.