Mortgage Advice in Cambridge: Property, Schools & Local Area Guide
Mortgage Advice in Cambridge: Property, Schools & Local Area Guide
Whether you're buying your first home in Cambridge, remortgaging, upsizing or simply researching the area — this guide covers what buyers and homeowners actually want to know.
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Click any question to expand the full detail and sources.
Is Cambridge a good place to live?⌄
Yes — a historic university city and the heart of "Silicon Fen", with fast rail to London, outstanding colleges and a famously walkable, cycle-friendly centre.
Cambridge's appeal is unusual: a world-famous collegiate university, one of Europe's leading technology and life-sciences clusters ("Silicon Fen"), and a compact, historic centre that is among the most cycle-friendly in the UK. Fast trains reach London King's Cross in around 50 minutes (under an hour on the quickest services), schools and sixth-form colleges are strong, and the green setting of the Backs, the River Cam and the surrounding fens gives a quality of life few cities match. The trade-off is cost and supply: Cambridge is one of the most expensive and most supply-constrained housing markets in the UK.
Sources: nationalrail.co.uk — timetables | reports.ofsted.gov.uk — school inspections
Is Cambridge expensive?⌄
Yes — one of the priciest, most supply-constrained markets in the UK outside London.
Flats and maisonettes typically start from around £240,000–£375,000, making them the most accessible entry point for first-time buyers. Terraced homes generally range from £400,000–£600,000, while semi-detached and detached family homes commonly sit between £600,000 and £900,000+, with premium central and college-fringe streets going well beyond. Demand is supported by the university, the biotech and technology economy and tightly limited supply — competition for well-presented homes near the centre and the Biomedical Campus remains strong across market conditions. Always verify current prices via Land Registry data.
Sources: landregistry.data.gov.uk — Price Paid Data | gov.uk/council-tax-bands — VOA band checker
What salary do you need to buy in Cambridge?⌄
Roughly £72,000 for a flat up to £165,000+ for a detached family home — based on 4.5x income multiples.
Most mortgage lenders apply affordability multiples of around 4–4.5x annual income, though some go higher for certain profiles. Using 4.5x as a guide: a flat at ~£325,000 may require a household income of approximately £72,000; a terraced home at ~£525,000 requires roughly £117,000; a semi-detached or detached family home at ~£740,000 requires around £165,000. These are illustrative only — actual affordability depends on deposit size, existing commitments, credit profile and lender criteria. A whole-of-market adviser can confirm exactly what's achievable for your circumstances.
Sources: thatsfamilyfinance.co.uk/mortgages | landregistry.data.gov.uk
Are schools good in Cambridge?⌄
Yes — Hills Road Sixth Form College is Outstanding, and Chesterton and Parkside are Outstanding secondaries.
Cambridge has two highly regarded sixth-form colleges — Hills Road Sixth Form College (Ofsted: Outstanding) and Long Road Sixth Form College (Ofsted: Good). At secondary level, Chesterton Community College and Parkside Community College are both rated Outstanding, with The Netherhall School rated Good. Independents include The Perse School, The Leys School and St Mary's School (inspected by the Independent Schools Inspectorate rather than Ofsted), and the University of Cambridge and Anglia Ruskin University sit within the city. Admissions are often distance-based, so where you buy can directly affect access. Always verify the latest reports at reports.ofsted.gov.uk and isi.net.
Sources: reports.ofsted.gov.uk | cambridgeshire.gov.uk/schools-learning
Is Cambridge good for commuters?⌄
Yes — around 50 minutes to London King's Cross, plus Cambridge North, the M11/A14 and a guided busway.
Cambridge station and Cambridge North run fast services to London King's Cross in around 50 minutes (the quickest trains complete the journey in under an hour) and to London Liverpool Street in roughly 1h15. Cross-country services connect to Birmingham, Stansted Airport and Norwich. Road links via the M11 and A14, the Cambridgeshire Guided Busway and a famously cycle-heavy culture — Cambridge has among the highest rates of cycle commuting in the UK — give further flexibility. Many residents simply cycle into the centre rather than drive.
Sources: nationalrail.co.uk — journey planner | thetrainline.com — timetables
What should buyers know before offering on a Cambridge property?⌄
Check admissions, flood risk by postcode, stamp duty at high price levels and the full two-tier council tax bill.
School and college admissions are often distance-based, so confirm arrangements before relying on proximity. Flood risk should always be checked by individual postcode via the GOV.UK service — areas near the River Cam and Cherry Hinton Brook carry different fluvial risk to higher ground. Use the government's SDLT calculator to understand your stamp duty liability — at Cambridge price levels this is a significant cost. Council tax is two-tier (Cambridgeshire County Council, Cambridge City Council, plus police, fire and the mayoral precept) — confirm the band with the VOA and the bill with Cambridge City Council. And test cycling and parking before assuming a central location suits your routine.
Sources: check-long-term-flood-risk.service.gov.uk | SDLT calculator | cambridge.gov.uk/council-tax
Is Cambridge right for you?
Cambridge is one of the most desirable cities in the East of England — a historic university city and the heart of the "Silicon Fen" technology and biotech cluster, well-connected to London via fast rail (around 50 minutes to King's Cross), with outstanding schools and colleges, a famously cycle-friendly centre and a quality of life that keeps people here long-term.
| Buyer Type | Rating | Why |
|---|---|---|
| First-Time Buyers | ★★☆☆☆ | One of the UK's most expensive markets — flats offer the main route in, but affordability is stretched. |
| London Commuters | ★★★★★ | ~50 mins to King's Cross from two city stations — a strong commuter option with real city life at home. |
| Families | ★★★★★ | Outstanding colleges, strong secondaries, parks and the Cam — a consistent family favourite. |
| Upsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Good range of larger period and detached homes, though premium pricing applies near the centre. |
| Professionals & Researchers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | The university, AstraZeneca, ARM's legacy and the Biomedical Campus make Cambridge a magnet for skilled workers. |
Property prices & council tax in Cambridge
Understanding the cost of living in Cambridge goes beyond the purchase price — and council tax here is a two-tier bill with several components.
| Property Type | Approximate Price Range | Notes |
|---|---|---|
| Flats & Maisonettes | £240k–£375k | Entry point for first-time buyers; common near the centre, the station and Eddington (CB1–CB4). |
| Terraced Homes | £400k–£600k | Sought-after Victorian terraces in Romsey, Mill Road, Petersfield and De Freville. |
| Semi-Detached & Detached | £600k–£900k | Family homes in Cherry Hinton, Chesterton, Trumpington and surrounding villages. |
| Premium & College-Fringe | £900k+ | Newnham, Storey's Way, Castle and the most central streets near the colleges and the Backs. |
What income might you need?
Based on standard mortgage affordability multiples of 4.5x household income. Illustrative only — individual affordability depends on deposit, commitments and lender criteria.
What makes Cambridge so popular?
Three things consistently come up when buyers explain why they chose Cambridge.
Fast Rail to London
Around 50 minutes to London King's Cross from Cambridge or Cambridge North (under an hour on the quickest services), plus links to Liverpool Street, Stansted and cross-country routes. For knowledge-economy workers, Cambridge competes strongly on both journey time and quality of life.
Education & the University
The University of Cambridge, Anglia Ruskin University, Outstanding sixth-form provision at Hills Road and strong secondaries. Few cities can match the depth of education provision — a primary reason families and academics choose to settle here.
Silicon Fen Economy
Cambridge is the heart of "Silicon Fen" — the birthplace of ARM and home to the global HQ of AstraZeneca on the Biomedical Campus. The technology and life-sciences cluster underpins long-term demand for homes across the city.
What often surprises buyers is how walkable and cycle-friendly Cambridge is. Many residents rarely need a car for everyday journeys — something that matters a lot over the long term, and a genuine point of difference from most commuter towns.
Schools in Cambridge
Schools and colleges are one of the biggest reasons families research Cambridge. The city has two well-known sixth-form colleges, several strong secondaries and a wide spread of primaries across CB1 to CB5, so education often sits right at the centre of the property search.
For homebuyers, the key question is not just whether a school has a strong reputation. It is whether the property, admissions rules, daily journey, cycling route, wraparound care and long-term education route actually work for your family. That is why school research should sit alongside your search around Trumpington, Cherry Hinton, Chesterton, Newnham, Romsey and the city centre.
Sixth-form colleges & secondary schools
| School | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Hills Road Sixth Form College | Sixth-form college, ages 16–19 | Outstanding | On Hills Road (CB2 8PE), one of the country's most respected sixth-form colleges, rated Outstanding at its April 2025 inspection. Highly relevant for families in southern and central Cambridge planning beyond GCSEs. |
| Long Road Sixth Form College | Sixth-form college, ages 16–19 | Good | On Long Road (CB2 8PX), rated Good at its January 2025 inspection, with provision for learners with high needs rated Outstanding. A strong alternative sixth-form route across the south of the city. |
| Chesterton Community College | Secondary academy, ages 11–18 | Outstanding | On Gilbert Road (CB4 3NY), rated Outstanding at its February 2025 inspection. Strongly linked with Chesterton, De Freville and the northern side of the city. |
| Parkside Community College | Secondary academy, ages 11–16 | Outstanding | On Parkside (CB1 1EH), in the heart of the city, rated Outstanding. Part of the United Learning trust and a key option for families in central and eastern Cambridge. |
| The Netherhall School | Secondary academy, ages 11–18 | Good | On Queen Edith's Way (CB1 8NN), rated Good at its March 2024 inspection, with a sixth form. Relevant for families in Cherry Hinton and the Queen Edith's area. |
Independent schools (inspected by ISI)
| School | Type | Inspection | Buyer-focused summary |
|---|---|---|---|
| The Perse School | Independent co-educational day school, ages 11–18 (senior) | ISI — view report | Senior school on Hills Road (CB2 8QF). Inspected by ISI (not Ofsted); all regulatory standards met at its 2026 routine inspection. A leading independent option in the south of the city. |
| The Leys School | Independent boarding & day school, ages 11–18 | ISI — view report | On Trumpington Road (CB2 7AD), close to the centre and the Backs. Inspected by ISI; all standards met at its most recent inspection. Boarding and day places. |
| St Mary's School, Cambridge | Independent Catholic girls' day & boarding school, ages 11–18 (senior) | ISI — view report | On Bateman Street (CB2 1LY), central and close to the Botanic Garden. Inspected by ISI; review the latest published report directly before relying on a headline summary. |
What the schools mean for homebuyers
Hills Road & Long Road Sixth Form Colleges
Hills Road Sixth Form College (Outstanding) and Long Road Sixth Form College (Good) are two of the best-known post-16 destinations in the East of England, drawing students from across Cambridge and the surrounding villages.
For buyers, both colleges are part of the conversation when looking around southern and central Cambridge. Admission is competitive and largely distance-based, so check the latest entry arrangements directly each year rather than assuming a home guarantees a place.
Chesterton, Parkside & Netherhall
Chesterton Community College (Outstanding) serves the north of the city, Parkside Community College (Outstanding) sits in the centre, and The Netherhall School (Good) serves Cherry Hinton and Queen Edith's. Where you buy affects which secondary your child is most likely to access.
Because Cambridge admissions are heavily distance-based, the exact road and postcode can matter a great deal. Check Cambridgeshire County Council's admissions guidance and the school's own arrangements before relying on proximity alone.
Independent schools in Cambridge
The Perse School, The Leys School and St Mary's School are well-established independents, all inspected by the Independent Schools Inspectorate (ISI) rather than Ofsted. For some families, the independent route is a key part of the decision about where to live.
Do not rely on a school name alone. Check admissions, fees, distance, wraparound care, bus and cycle routes and the likely longer-term route before committing to a property.
Popular parts of Cambridge
Cambridge covers a wider area than many people realise. Buyers often start with "Cambridge" as one search, but the feel can change significantly depending on whether you are near the colleges and the centre, in affluent Newnham or Trumpington, vibrant Romsey and Mill Road, leafy Chesterton, Cherry Hinton, Petersfield, Castle and Storey's Way, the new Eddington development or out towards Cambourne and the villages.
| Area | Best For | Typical Buyer |
|---|---|---|
| City Centre & the Colleges | History, the Backs, walkability and prestige | Professionals, academics and downsizers |
| Newnham & Trumpington | Affluent, green and well-connected to the south | Established families and senior professionals |
| Chesterton & De Freville | Period terraces, the river and Cambridge North | Families and commuters |
| Romsey / Mill Road | Vibrant, independent and characterful | First-time buyers, creatives and young families |
| Cherry Hinton & Queen Edith's | Family homes near the Biomedical Campus | Families and healthcare/science workers |
| Eddington & the Villages | New-build, Cambourne and surrounding settlements | Upsizers and value-conscious buyers |
This area suits buyers who want true walkable, car-light city living. It can be especially attractive for professionals, academics and downsizers. The trade-off is price and supply — central homes command a significant premium, and parking, listed-building constraints and smaller plots may matter depending on the street.
Appeals to: Professionals, academics and downsizers.
Both areas appeal to families who want green surroundings, strong schools within reach and a settled, affluent feel without losing connection to the centre. As with much of Cambridge, individual streets vary widely in price and character.
Appeals to: Established families, academics and senior professionals.
These areas work well for families and commuters who want period character, good schools and quick access to the A14 and Cambridge North. Demand for the best terraces is consistently strong.
Appeals to: Families, commuters and period-home buyers.
For buyers, Romsey and Mill Road suit those who want character, energy and walkability over a quieter suburban feel. It is popular with first-time buyers, creatives and younger families, though terraces here are no longer cheap and the area's popularity supports prices.
Appeals to: First-time buyers, creatives and young families.
Both areas appeal to buyers who value being close to the centre and the station while keeping a residential street feel. Storey's Way nearby is one of the city's most prestigious addresses.
Appeals to: Professionals, commuters and central-living buyers.
These areas are especially practical for healthcare, science and biotech workers who want a reasonable commute to the Campus, plus families wanting more space than the centre allows. Cherry Hinton Brook adds green character.
Appeals to: Families, healthcare and science workers.
For buyers, Eddington offers contemporary, energy-efficient homes with strong sustainability credentials, though a good proportion is linked to university and key-worker housing. Check tenure, eligibility, estate charges and management arrangements carefully before assuming a home is available on the open market.
Appeals to: Buyers wanting modern, sustainable homes.
Check estate charges, parking, broadband, management responsibilities and how each development connects to schools, the Biomedical Campus and the centre. For current planning applications, use Cambridge City Council's planning portal rather than relying on old sales listings.
Appeals to: Buyers wanting modern homes and lower initial maintenance.
These areas can suit families and value-conscious buyers who are open-minded about location. Surrounding villages are parished, so council tax will include a parish precept on top of the figures shown for central Cambridge. Test the commute carefully before committing.
Appeals to: Upsizers, families and value-conscious buyers.
Things people don't tell you about Cambridge
Most property listings tell you about the bedrooms and the square footage. These are the things that come up in real conversations with people who know the city.
Healthcare & local services
For families and those planning long-term, knowing the specific local services nearby matters as much as the property itself. Cambridge is unusually well served — its main hospital is a national centre of excellence.
GP surgeries in Cambridge
Cambridge is served by a number of NHS GP practices across the city, supported by the Cambridgeshire and Peterborough Integrated Care System. Registration availability changes and catchment boundaries apply — always contact the surgery directly and check nhs.uk before completing a purchase.
| Provision | Area | Notes |
|---|---|---|
| City-centre & central practices | CB1 / CB2 around the centre, Mill Road and the station | Several established practices serve the central neighbourhoods. Verify registration availability and catchment directly. |
| Northern practices | Chesterton, De Freville and the Cambridge North area | Practices serving the north of the city. Contact directly to confirm registration availability. |
| Southern & Campus-area practices | Cherry Hinton, Trumpington and the Biomedical Campus side | Practices serving the south and the area around Addenbrooke's. Verify availability directly. |
Practice names, lists and catchment areas change — use the NHS service search above for current, named practices accepting registrations at your specific postcode.
Dental practices in Cambridge
Cambridge has both NHS and private dental provision across the city centre and suburbs. NHS availability changes frequently — always contact practices directly and check nhs.uk for current status.
| Provision | Area | NHS / Private |
|---|---|---|
| City-centre dental practices | Central Cambridge, Mill Road and the station area | Mixed NHS & Private — contact directly to confirm current NHS availability |
| Suburban dental practices | Chesterton, Cherry Hinton, Trumpington and Newnham | Mixed NHS & Private — verify registration availability directly |
NHS dental availability is limited in many areas — confirm current registration status via the NHS service search above before assuming availability.
Nearest hospitals
Map, Police & Fire Services in Cambridge
A useful local guide should show the practical services buyers actually check before choosing an area — the station, neighbourhood policing, fire cover, emergency healthcare and local crime context for Cambridge.
Flood risk in Cambridge
Flood risk is easy to overlook when a property looks right online, but it can affect insurance premiums, mortgage lender underwriting and long-term peace of mind. In Cambridge, the picture varies depending on exactly where you're buying — particularly near the River Cam.
Famous connections & local history
Cambridge has a history that few cities in the world can match — centuries of scholarship, scientific breakthrough and architecture that defines the city today.
Sports, leisure & community
For families and active buyers, Cambridge's leisure offer is a real part of the quality-of-life calculation. The parks, the river, the museums and the clubs here are the ones residents actually use week after week.
Cambridge has a mix of historic attractions, green spaces, river activities, sports clubs and community groups that help explain why many residents stay long-term. For buyers moving from London or elsewhere, this lifestyle element can be just as important as the train line — and the city's compact, cycle-friendly layout makes it all genuinely accessible.
For families and active residents, the river provides a year-round backdrop to weekend life that few cities can offer.
These spaces matter for buyers: they support walking, running, cycling and family time within easy reach of central neighbourhoods, adding real value to the city's lifestyle appeal.
For relocation buyers, attractions like these answer the practical question: "What will we actually do here at weekends?" In Cambridge, the answer is plenty.
For buyers, this is a real differentiator — it shapes how you live day to day, and good cycle storage and routes are worth checking when viewing a home.
For families, access to organised sport can be a practical lifestyle benefit. It is worth checking journey and cycle times to clubs as carefully as you check the school run.
For commuters away in London during the week, having a genuine, lively city to come home to is a major part of Cambridge's appeal.
Buying a home in Cambridge
Cambridge consistently attracts buyers who have made a deliberate decision about where they want to live — drawn by the university and the economy, the schools and colleges, the lifestyle or a combination of all three.
For some buyers the calculation is primarily practical — commute time, school admissions, proximity to the Biomedical Campus. For others it's about lifestyle — wanting a genuine, world-class city with green space, culture and a cycle-friendly centre. Cambridge delivers on both, though affordability and supply make it a competitive market. If you are still comparing mortgage types, our cashback mortgages guide explains one option buyers sometimes ask about.
Who tends to move to Cambridge?
Transport & commuting
Cambridge's rail, road, busway and cycling connections are a defining strength for buyers — with two stations, fast trains to London and a famously bike-friendly centre.
| Route | Approx. Time | Notes |
|---|---|---|
| Cambridge ‚Üí London King's Cross | ~50 min | Fast services; quickest trains under an hour, from Cambridge and Cambridge North |
| Cambridge ‚Üí London Liverpool Street | ~1h15 | Greater Anglia services; slower but a useful alternative route |
| Cambridge → Stansted Airport | ~30–40 min | Direct cross-country rail — convenient for travellers |
| Cambridge ‚Üí Birmingham / Norwich | varies | Cross-country services to the Midlands and East Anglia |
Road links via the M11 (south to London and the M25) and the A14 (east–west, to the A1 and the Midlands) make Cambridge well-connected by car, though congestion at peak times is a known factor. The Cambridgeshire Guided Busway — one of the longest of its kind in the world — links the city with St Ives and the Biomedical Campus, and Cambridge's extensive cycle network means many residents simply ride into the centre.
Things to think about before buying
The property itself is only one part of the decision.
Already live in Cambridge?
Not everyone searching for mortgage advice here is planning to move. Many visitors are existing homeowners reviewing their arrangements.
Looking beyond the mortgage
Buying a home is one of the largest financial commitments most people will ever make.
Many households spend weeks comparing properties and mortgage rates, yet very little time considering what would happen if circumstances changed unexpectedly — illness, redundancy or worse. Life insurance, critical illness cover and income protection exist precisely for this reason. Our mortgage protection insurance guide explains the main options in plain English.
Living in Cambridge
Beyond the commute and the schools — what is it actually like to live here day to day?
Safety & Crime
Cambridge is policed by Cambridgeshire Constabulary, with Parkside Police Station as a central base and neighbourhood teams across the city's wards. As a busy university and visitor city, crime patterns vary by area and time of year. For current crime data by specific postcode, use police.uk rather than relying on general reputation alone.
Community & Demographics
Cambridge has a distinctive mix — a large student and academic population alongside families, knowledge-economy professionals and long-term residents. The result is a young, international, highly educated community with a strong sense of identity rooted in the university and the city's history.
Green Spaces
Jesus Green, Midsummer Common, Parker's Piece, Lammas Land, the commons along the River Cam and the 40-acre Cambridge University Botanic Garden. Cambridge is unusually well-served with accessible green space for a city of its size, much of it within walking or cycling distance of central homes.
Cycling & Getting Around
Cambridge is among the most cycle-friendly cities in the UK, with extensive cycle routes, the guided busway and park-and-ride. Many residents rely on bikes and the bus for everyday journeys. Check cycle storage, routes and parking provision when viewing any home.
New Build Homes
Cambridge has seen significant new development, including Eddington (North West Cambridge) and Trumpington Meadows, alongside its historic housing stock. For current planning applications and new-build schemes, visit Cambridge City Council.
Useful Council Links
Cambridge City Council — council tax and local services.
Cambridgeshire Schools Admissions — catchments and applications.
police.uk — local crime data by postcode.
Nearby areas worth considering
Many buyers researching Cambridge also compare it with neighbouring towns and cities before deciding.
Peterborough
A larger, more affordable Cambridgeshire city with fast rail to London and good amenities — popular with value-conscious buyers.
Read guide ‚Üí [LINK WHEN LIVE]Oxford
Cambridge's historic counterpart — another world-famous university city, often compared directly for lifestyle and education.
Read guide ‚Üí [LINK WHEN LIVE]Milton Keynes
A modern, well-connected city with excellent road and rail links and a wide range of housing.
Read guide ‚Üí [LINK WHEN LIVE]Northampton
A well-connected town with more accessible pricing, popular with buyers commuting across the region.
Read guide ‚Üí [LINK WHEN LIVE]Cambourne & the Villages
For buyers priced out of the city, the villages around Cambridge offer more space — though council tax includes a parish precept.
Read guide ‚Üí [LINK WHEN LIVE]All Cambridgeshire Guides
Browse our full range of local guides across Cambridgeshire.
Explore Cambridgeshire ‚ÜíFrequently asked questions
Is Cambridge a good place to live?
Is Cambridge safe?
Does Cambridge have good schools?
How long does it take to get to London from Cambridge?
What salary do you need to buy in Cambridge?
What is the flood risk in Cambridge?
How much is stamp duty on a Cambridge property?
What is Cambridge known for?
What green spaces are near Cambridge?
What is the nearest hospital to Cambridge?
How much is council tax in Cambridge?
Can existing homeowners benefit from reviewing their mortgage?
Useful resources
Need help?
Whether you're researching Cambridge, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.
By submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated whole-of-market mortgage adviser.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.
Journey times are approximate — always verify at nationalrail.co.uk. Ofsted ratings are based on the most recent publicly available inspections — verify at reports.ofsted.gov.uk; independent schools are inspected by the Independent Schools Inspectorate (ISI) — verify at isi.net. Catchment areas and admissions criteria should be confirmed directly with each school or college and Cambridgeshire County Council. GP and dental registration availability changes — always verify directly with the practice. Healthcare information is based on publicly available NHS data — always verify directly. Crime information is general in nature — always check current data at police.uk. Flood risk context is general — always check the exact property postcode at check-long-term-flood-risk.service.gov.uk. Council tax figures are 2026/27 Band D for a central (unparished) Cambridge property and should be verified with Cambridge City Council and Cambridgeshire County Council. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.
The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an FCA-regulated protection adviser (FCA Reference Number 1038034) and introduces clients to carefully selected, FCA-regulated mortgage advisers.