They're proud of the relationship they have with their intermediary partners and understand the value you bring to their business when you introduce your customers to them.

They’re fully committed to working harder for you, offering flexible, responsible lending based on affordability and a manual underwriting process so each case is looked at individually.

Key Features Video Tools & Calculators

Proc Fees

Product Gross Net
Fee Min Max Fee Min Max
New Business 0.40% £150

0.37% £138.75

Product Transfer 0.30% £112.50

0.28% £71.25

Product Type When does the lender pay PMS? Frequency
All The following Tuesday. Weekly
Product switch The following Tuesday. Weekly

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.

Key Features

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    Access to real people, they’ve got a great team of experts waiting to help you – they’re just a call or a click away.

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    A manual underwriting process so each case is looked at individually.

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    Your clients are yours - they’ll let you know when their term is coming to an end and pay you for retaining clients with them. They won’t cross sell and don’t dual price.

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    They’ll give you information you can trust - their service levels are open and honest.


Post Code Restrictions: Lender-InfoBoxWhite

Shared Ownership Mortgages: England and Wales

BTL Mortgages: England and Wales

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Register to place business with Cambridge:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Your trickiest mortgage cases. Completed with a bit of common sense. We love technology. But we’ll always pride ourselves on human-made mortgage decisions when the time’s right.

Whether it’s buy-to-let, shared ownership or Holiday Let, The Cambridge team can bring a breath of fresh air to our intermediaries’ most complex cases.

No upper age limit across their range of residential and BTL mortgages.

First Time Buyers

They have a comprehensive First Time Buyer proposition.

  • 95% LTV products 
  • Shared Ownership 
  • Help to Buy 
  • 40 year maximum term 
  • They’ll accept applications on flats up to 8 storeys high

Shared Ownership 

Their Shared Ownership mortgage range is exclusively available to Sesame and PMS members throughout England and Wales.  

  • 95% of the share can be purchased including new build flats
  • 100% staircasing not required
  • 25% share upwards
  • Further Advances allowed to buy further shares
  • Free valuation

Self Employed

The Cambridge prides themselves on their expertise to fully understand Limited Company Accounts, Partnerships and Sole Traders.

  • All residential mortgages are available to those that are self employed 
  • A self employed mortgage range specifically for clients with 1 year's accounts 

Buy to Let 

They continue to develop and enhance their BTL criteria.

  • BTL mortgages available throughout England and Wales exclusively available to Sesame & PMS
  • ICR of 125% on BTL remortgages
  • 5 Year Fixed  BTL mortgage stressed at pay rate plus 1.50% 

Expat BTL 

Products are available for purchase and remortgage up to 75% loan to value. 

  • Most countries considered
  • No limit in the number of properties in their portfolio
  • Minimum loan amount of £20,000 & maximum of £750,000

Holiday Let

  • Rent calculated using 30 week average of Low Medium & High Season Rent
  • Rental coverage stressed at 140% of either 8,5% or pay rate + 1.5
  • Min Loan £50,000 Max Loan £500,000
  • Air BNB Accepted
  • 90 day Owner Occupancy allowed

Credit Assist 

Their Home Solutions Mortgage supports those with a low credit score. 

  • They’ll consider the following within the last two years:     
  • Up to 2 missed secured payments 
  • 3 or more missed loan, credit card, or financial commitment payments 
  • CCJs if the total does not exceed £5,000

To find out more about their products and criteria visit

Proud to partner with you

Watch the video to see why the Cambrdge are proud to partner with you.



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