About Us

We are a Leicestershire based family business who specialise in arranging and advising on secured loans for homeowners. We are independent and are not tied to a network or panel of lenders. We can offer loans from a wide range of lenders as we work with well known high street household names.

We are a Leicestershire based family business who specialise in arranging and advising on secured loans for homeowners. We are independent and are not tied to a network or panel of lenders. We can offer loans from a wide range of lenders as we work with well known high street household names.

We also work with lenders whose loans are not usually available to the general public directly. We can therefore offer secured loans to customers who don’t meet the strict criteria of high street lenders. Therefore we can usually meet the needs of those whose credit rating is less than 100%.We can offer secured loans to customers who don’t meet the strict criteria of high street lenders. Therefore we can usually meet the needs of those whose credit rating is less than 100%.

The owners of Smart Home Finance are Graham and John who are father and son with over 50 years combined, financial services industry experience catering for both employed and self-employed clients.

We are directly authorised and regulated by the Financial Conduct Authority (formally the FSA) who are the UK financial services watch dog. As well as arranging secured loans we can also arrange insurances to run alongside the secure loan if necessary.

We offer a friendly stress free service guiding you and advising you through the process. We talk in straightforward language with products and advise tailored to individual needs. We do all the legwork for you and if you wish in the comfort of your own home.

Financial Solutions for Homeowners
Secured loans representative example: If you borrow £10,000 over 10 years at an Annual Interest Rate of 6.7% (variable) you would make 120 payments of £136.60 per month. The total amount repayable will be £16,392.50 (This includes a lender fee of £495 and a broker fee of £1,495 which have been added to the loan.) The overall cost for comparison is 7.03% APRC representative.
Smart Home Finance is a credit broker not a lender.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
Smart Home Finance is a credit broker and not a lender. Nothing on this website constitutes financial advice. If you need financial advice you should speak to a qualified financial advisor. This website provides information only, and the choice of product is for you alone to choose. As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability.
Rates from 1.39% APRC to 16.5% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-30 years
TYPICAL 7.03% APRC variable.
Lowest APR at which not less than 10% of the agreements that would be entered into, highest at which credit would be provided under any of the agreements
Calls may be recorded for training purposes. The lender and or broker may charge a fee of 0% up to 15% on your loan.