Meet Niki Phillips: Your Mortgage Broker in Cambridge

Niki Phillip works for More Commercial, a company with the name that does exactly what it says on the tin – he provides structured and compliant mortgage advice across Cambridge and the wider Cambridgeshire area. Advice is based on individual circumstances and current UK lender criteria.

Clients include landlords, property investors, developers, and business owners seeking clear guidance and suitable finance solutions. Recommendations focus on lender affordability rules, property type, and long-term suitability.

Commercial and Semi-Commercial Mortgages

Niki Phillips arranges commercial mortgages in Cambridge for shops, offices, warehouses, and semi-commercial properties with mixed residential and business use.

Each case is assessed using rental income, business accounts, lease terms, and property valuation. Lender criteria and affordability requirements are applied at every stage of the process.

Advice remains aligned with current commercial lending standards and valuation policies.

Buy to Let and HMO Mortgages

Buy-to-let mortgages: Cambridge advice covers both single-property purchases and portfolio lending. Options are available for first-time landlords and experienced investors.

For larger properties, HMO mortgages in Cambridge are arranged with due consideration for licensing status, room numbers, rental yield, and local authority requirements.

Bridging Finance

Bridging finance: Cambridge Solutions supports short-term funding needs for time-sensitive property transactions. Common uses include auction purchases, chain breaks, and refurbishment projects.

Applications are assessed based on property value, exit strategy, and overall risk. Exit routes may include sale, refinancing, or conversion to a long-term mortgage.

Limited Company Mortgages

Limited company mortgages in Cambridge are arranged for property investors using SPVs or trading structures.

Lenders review company setup, director profiles, rental coverage ratios, and portfolio exposure. Products are selected to support compliant investment planning and portfolio growth.

Development Finance

Development finance Cambridge funding supports residential developments, conversions, and heavy refurbishment projects.

Lenders assess build costs, schedules, planning status, and gross development value. Funds are released in stages following professional inspections and valuation checks.

This type of finance is suitable for experienced developers and structured projects.

Second Charge Mortgages

Second-charge mortgages in Cambridge allow homeowners to raise capital without replacing their existing mortgage.

Advice considers affordability, credit profile, and lender consent. Funds may be used for property investment, business purposes, or financial consolidation.

All recommendations follow FCA guidance and responsible lending principles.

General Insurance

Advice also includes landlord insurance in Cambridge, as well as other property-related insurance solutions.

Cover options may include building insurance, landlord policies, and appropriate protection products.
Recommendations meet lender conditions and regulatory requirements.

Bilingual Mortgage Advice

Niki Phillips speaks English and Spanish. Clients benefit from clear communication and an accurate understanding of mortgage documentation, lender criteria, and financial commitments.

This supports informed decision-making throughout the mortgage process.

Areas Covered Across Cambridgeshire

Mortgage broker in Cambridge services extend across Cambridgeshire, including Ely, St Neots, Huntingdon, Wisbech, March, and Soham.

Advice remains consistent and compliant regardless of location.

Speak With Niki Phillips

If you require professional guidance, please contact Niki by completing the form below.

All advice is based on current lender criteria and individual financial assessment.