P&M Financial

P&M Financial - Mortgage Advice Luton | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About P&M Financial

At P&M Financial, I focus on guiding you through the intricate world of residential mortgages. Based in Luton, I take pride in my in-depth knowledge of the local property market and the various lending options available. My approach centres on understanding your unique situation, whether you are a first-time buyer, moving home, or looking to remortgage. Navigating mortgage applications can often feel overwhelming. I simplify the process by providing clear, concise advice tailored to your circumstances. From the initial consultation to the completion of your mortgage, I ensure you are well-informed at every stage. I prioritise transparency, so you can make decisions with confidence. Having developed strong relationships with a wide range of lenders, I am well-equipped to help you find the most suitable mortgage product. I analyse your financial profile and preferences to identify options that align with your needs, whether that involves securing a fixed-rate mortgage or exploring variable alternatives. I also keep abreast of the latest market trends and regulatory changes, which allows me to offer insights that can significantly impact your mortgage choice. With a keen eye for detail, I assist in preparing documentation and ensuring that your application is robust, minimising the chances of delays. My mission is not just to help you secure a mortgage, but to empower you with knowledge and confidence throughout the process. I believe in fostering open communication, so you’re never left in the dark. Should questions arise or if you need further clarification, I'm just a call or email away. Choosing a mortgage is a significant decision. At P&M Financial, I am committed to ensuring you feel supported and informed as you navigate this journey. Your home is important to you, and I understand the responsibility that comes with helping you finance it. Let’s work together to make your property aspirations a reality.

Specialisations

No specialisations listed.

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(397 reviews)

Adam Watkins

5 Mar 2026

A fantastic help when it came to remortgaging. Nothing was ever a problem and he made sure he got us the best deal possible. I wouldn’t use anyone else really friendly and helpful in Everyway. Don’t hesitate you will not regret!

sanhita sur

21 Feb 2026

I’ve just completed my third remortgage with P&M Financial Ltd, and once again the experience has been completely worry-free. What really stands out is how dependable and reliable he is throughout the entire process. I never have to chase for updates or worry about missing deadlines, he stays on top of everything. He consistently tracks the best deals available in the market and makes sure we’re matched with the most suitable product each time. His advice is always clear, honest, and tailored to our situation, which gives us great confidence in the decisions we make. It’s rare to find someone so proactive and committed to getting the best outcome for their clients. I wouldn’t hesitate to recommend him to anyone looking for a smooth and stress-free remortgaging experience.

Antonia

1 Feb 2026

First class service from Prabs - cannot recommend highly enough. He made the entire process of re-mortgaging stress free with his great communication and immense support and guidance throughout . So glad I have found P & M Financial Ltd, I shall be calling on Prabs for future financial advice .

Shouab Mehmood

10 Dec 2025

Prabs has been amazing. We have used his services twice now and have recommended him to others. For us, Prabs is easy to work with, contactable and available to answer even the simplest of questions. He has provided us assurance, reassurance and good advice with all that’s been happening in the economy. We have successfully remortgaged and Prabs even found us a cheaper deal just before our new mortgage was about to start. Saving us more money. Highly recommend Prabs and his company for their services and thorough approach.

Dan Foxler

3 Dec 2025

Prabs has been great with us (yet again)- think we’ve used him for four or five times at least. We did both a residential and a Limited Company BTL mortgage this time round and had mortgage offers within a few days of submitting the application. With working Prabs was also happy to jump on calls on the weekend or evenings. Highly recommend yet again!