P & M Financial Ltd

Prab was superb - experienced and patient in guiding me through a BTL mortgage, and I'm particularly demanding given the economic climate! The range of quality mortgages offered also beat my previous mortgage broker, and my own independent approaches.

I couldn’t recommend Prabs from P&M Financial highly enough. He makes the whole process feel incredibly straightforward and stress-free, always keeping on top of everything and making sure nothing gets missed. He’s professional, responsive and always happy to explain things clearly, which makes such a difference. It’s been a pleasure dealing with him, and I would absolutely recommend Prabs and P&M Financial to anyone looking for a reliable and knowledgeable financial adviser.

Prab came in to our mortgage journey after things had fallen through and we wished we had used him from the start. He is efficient, puts you first and continues to have your interests at the forefront. I would highly recommend using his services for any financial matters you need help with.

I can't thank Prabs enough for all his help with my mortgage. From the very beginning, he was friendly, patient and always happy to answer my questions, making what could have been a stressful process much easier. What really stood out was that he kept monitoring the mortgage rates throughout the process and contacted me whenever there was a better deal available. It was reassuring to know he was looking out for my best interests and doing everything he could to get me the best rate possible. Communication was excellent, and I always felt supported and well informed. I would definitely recommend Prabs and P&M Financial to anyone looking for a trustworthy and dedicated mortgage adviser. Thank you again for all your hard work!

Prabs was brilliant throughout my remortgage process — knowledgeable, responsive, and genuinely supportive. He made everything easy and delivered exactly what I needed. He kept me updated at every step and was incredibly proactive, securing better interest rates whenever they became available. Thanks to his attention and effort, the whole experience felt smooth and stress‑free. Highly recommended.

I have used Prabs as my mortgage adviser for over ten years. He has seen me through three house moves and never fails to astound me with his efficiency and speed! He is extremely friendly and has always guided me with his professional opinion. 12/10 review!!

From start to finish, Prabs and his team handled our mortgage application seamlessly, taking care of absolutely everything so we barely had to lift a finger. They secured us an excellent mortgage rate and made what can often be a stressful process feel incredibly straightforward and hassle-free. On top of that, Prabs reviewed our existing protection arrangements and was able to improve our life insurance, critical illness cover and income protection, making subtle but highly effective changes that have saved us over £250 per month. Prabs is knowledgeable, responsive, proactive and genuinely looks after his clients’ best interests. If you’re looking for a mortgage broker who goes above and beyond to secure the best outcome possible, look no further. Thank you again to Prabs and the team for all your hard work.