Welcome to CM Finance Experts, where mortgage advice is built around clarity, personal service and helping clients move towards the right financial solution with confidence.
CM Finance Ltd trades as Custom Mortgages and Finance, a Windsor-based mortgage and finance firm with a clear property-led identity. Its brand is centred around a blue key and house logo, reflecting the business’s purpose: helping clients unlock the right mortgage route for their home, investment property, or finance need.
For clients buying their first home, moving house, remortgaging, investing in property, reviewing later-life lending, arranging protection, or managing a more specialist case, CM Finance Ltd provides guidance tailored to individual circumstances.
CM Finance Ltd supports clients with:
- Residential mortgages
- First-time buyer mortgages
- Home mover mortgages
- Remortgages
- Self-employed and director mortgages
- Adverse credit mortgages
- Second charge mortgages
- Buy-to-let mortgages
- HMO mortgages
- Limited company mortgages
- Holiday let mortgages
- Commercial mortgages
- Semi-commercial mortgages
- Bridging finance
- Development finance
- Auction finance
- Later life lending
- Lifetime mortgages and equity release
- Retirement mortgages
- Life cover
- Critical illness cover
- Income protection
- Landlord and portfolio insurance
- General insurance
About CM Finance Experts
CM Finance Ltd trades as Custom Mortgages and Finance and is based in Windsor, Berkshire. The firm helps clients find suitable mortgage and finance solutions across residential, commercial, specialist property finance, later-life lending, and insurance.
The business presents itself as a friendly, professional team covering the wider Berkshire area, helping clients on their mortgage journey. Its message is clear: buying a property as a home or investment is exciting, but it can also feel stressful because it is one of the biggest financial decisions many people will make. CM Finance Ltd aims to remove stress and worry by searching the market, explaining options clearly and helping clients focus on the journey ahead.
The company’s own values are easy to understand: simple, quick processing, and trustworthy. These should sit at the heart of the page. CM Finance Ltd wants the mortgage process to feel clear, transparent, and simple while building strong, long-term relationships with clients.
The business also highlights access to more than 180 lenders, enabling the team to search across a broad market and recommend products based on each client’s circumstances. The service includes mortgage advice, application support, document preparation, lender communication and guidance around the client’s schedule.
Through Connect Experts, CM Finance Ltd currently has four listed advisers across Berkshire and Cambridgeshire.
A Brand Built Around Keys, Homes and a Clear Route Forward
The CM Finance Ltd brand is practical, approachable and property-focused.
The Custom Mortgages and Finance logo combines a house and key, using a blue and light blue palette. This gives the brand an immediate connection to homeownership, mortgage access and practical guidance. The key symbol should be treated as the main visual cue across the page because it reflects unlocking a mortgage, opening the next door and helping clients progress through the property journey.
Use the CM Finance Ltd colour direction throughout the page:
- Deep navy: for trust, structure and professional mortgage advice
- Royal blue: for key calls to action, buttons and headings
- Soft sky blue: for supporting panels, icons and approachable brand accents
- White: for clean space, clarity and readability
- Light grey: for section backgrounds, adviser cards and calm contrast
The design should feel clear, calm and professional rather than overly corporate. It should reflect a client-first mortgage firm that values personal service, plain English explanations and steady progress from enquiry to completion.
Here to Make the Mortgage Journey Easier
CM Finance Ltd is built around the idea that mortgage advice should reduce stress, not add to it.
Whether a client is buying a first home, moving, remortgaging, investing in buy-to-let property, arranging commercial finance or reviewing protection, the process can involve many moving parts. Affordability checks, lender criteria, documentation, estate agents, solicitors, valuation stages and product choices can all feel difficult without guidance.
CM Finance Ltd supports clients by helping them understand their options, preparing the application, liaising with relevant parties and keeping communication clear throughout the process.
Clients may speak to CM Finance Ltd when they need support with:
- Buying their first home
- Moving to a new property
- Remortgaging an existing property
- Managing self-employed or director income
- Reviewing options with adverse credit
- Purchasing or refinancing buy-to-let property
- Funding an HMO or limited company investment
- Arranging commercial or semi-commercial lending
- Securing bridging, auction or development finance
- Reviewing later life lending options
- Protecting income, family, mortgage or property commitments
Adviser Locations, Languages and Expertise
CM Finance Ltd has four listed advisers on Connect Experts.
The adviser locations shown through the company filter are:
Berkshire is the main visible adviser base, with Toby Wheeler, Claire Wheeler and Lee Devereux listed there. Flaviu Luca is listed in Cambridgeshire.
Connect Experts also shows Romanian language support through Flaviu Luca. This helps Romanian-speaking clients discuss mortgage and protection matters with greater clarity, especially when reviewing UK lender criteria, documents, protection options and application requirements.
Through Connect Experts, clients can find CM Finance Ltd advisers in areas including Windsor, Maidenhead, Reading and Newmarket.
Meet CM Finance Experts
Toby Wheeler CeMAP, BA, CeRER | Founder and Mortgage Broker
Toby Wheeler is the founder of CM Finance Ltd and an experienced mortgage broker in Windsor. He supports clients across Berkshire and surrounding areas, including first-time buyers, home movers, landlords, property investors and business owners. Toby provides advice across residential mortgages, buy-to-let, HMO finance, limited company mortgages, commercial finance, bridging finance, second-charge mortgages, protection, and general insurance. His background includes more than 25 years in financial services, leadership roles in lending businesses and firsthand property investment experience.
Claire Wheeler CeMAP | Director and Mortgage Adviser
Claire Wheeler is a director at Custom Mortgages and Finance and supports clients in Maidenhead and across Berkshire. She provides tailored guidance across residential mortgages, buy-to-let, commercial mortgages, bridging finance, protection and general insurance. Claire is also closely involved in client services, onboarding, document preparation and keeping the mortgage journey organised. Her approach is detail-led, deadline-focused and designed to keep clients updated throughout the process.
Lee Devereux CeMAP | Mortgage Broker
Lee Devereux is a mortgage broker at CM Finance Ltd in Reading. He supports clients across Berkshire with residential mortgages, buy-to-let, HMO finance, limited company mortgages, commercial finance, bridging finance and general insurance. Lee has more than 25 years of experience in financial services and a strong background in consumer lending. He is especially relevant for clients with complex circumstances, adverse credit, portfolio property needs or specialist finance requirements.
Flaviu Luca CeMAP | Mortgage and Protection Broker
Flaviu Luca is listed in Cambridgeshire and supports clients in Newmarket and the surrounding areas. He provides advice across mortgage products, commercial and semi-commercial mortgages, buy-to-let, HMOs, bridging finance, limited company mortgages, protection and general insurance. Flaviu speaks English and Romanian, helping Romanian-speaking clients better understand mortgage and protection options. His approach focuses on accuracy, clear explanations and tailored advice.
CM Finance Ltd Areas of Advice
CM Finance Ltd combines residential mortgage advice with commercial finance, later-life lending, specialist property finance, and protection. Its residential services include first-time buyer mortgages, home mover mortgages, remortgaging, self-employed and director mortgages, adverse credit support, and second-charge mortgages.
Its commercial and specialist property services include buy-to-let, holiday let, bridging finance, commercial mortgages, semi-commercial mortgages, development finance and auction finance.
Its later-life lending services include lifetime mortgages, equity release, and retirement mortgages.
Its insurance and protection services include life cover, critical illness cover, income protection, landlord and portfolio insurance, and general insurance.
This service range is useful for clients whose needs may span more than one area. A landlord may need buy-to-let finance, landlord insurance and future refinancing support. A homeowner may need a remortgage, a protection review, and second-charge advice. A business owner may need commercial property finance and clear guidance on affordability and structure.
Why Choose CM Finance Experts?
Clients may choose CM Finance Ltd because the firm combines a personal mortgage advice service with broad lender access, clear communication and practical support from enquiry to completion.
CM Finance Ltd stands out for:
- A Windsor-based mortgage and finance team
- A friendly, professional service covering Berkshire and wider areas
- Access to more than 180 lenders
- Support across residential, commercial and specialist finance needs
- Advice for first-time buyers, movers, remortgage clients and landlords
- Buy-to-let, HMO, limited company and bridging finance expertise
- Later life lending and second charge mortgage support
- Protection and general insurance advice alongside mortgage guidance
- Romanian language support through Flaviu Luca
- A brand identity built around the key, the home and opening the right door
CM Finance Ltd’s message is simple. The mortgage journey should feel clearer, quicker and easier to understand. With the right guidance, clients can move from uncertainty to a structured plan, supported by advisers who take the time to understand their goals.
Choose Your CM Finance Experts
Through Connect Experts, clients can find CM Finance Ltd advisers who combine mortgage knowledge, lender research, protection awareness and practical experience across residential and specialist finance.
Whether you need help with a residential mortgage, remortgage, buy-to-let, HMO finance, commercial lending, bridging finance, later life lending, second charge borrowing or insurance protection, CM Finance Ltd can help you understand your options and take the next step with greater confidence.
Thank you for reading our publication, “CM Finance Experts | Mortgage, Protection & Finance Advisers.” Stay “Connect“-ed for more updates soon!
