Buy to Let and Investor Mortgages

Smart Home Finance are experienced in arranging the funding for individuals who own or intend to purchase a residential property for which they let out and receive a rental income.

With a Buy to Let and Investor Mortgage, we have access to specialist lenders and have up to the minute information regarding the best interest rates available.

Whether you are about to dip your toe into the rental market or are an experienced landlord, Smart Home Finance can help.Perhaps you are unsure of the best way to go about starting out we can give you all the help and guidance you need.

An example as to how we have helped someone who owned a property with a tenant producing rental income. Although his current mortgage payments cover the rent he thought maybe he could lower the repayments.

He contacted Smart Home Finance who reviewed his situation. Mr W also told us he had ambitions to purchase another property for rental purposes yet was not quite sure as to how to go about it. Smart Home Finance arranged a remortgage on his rental property for a deposit on his next property purchase and also reduced his payments on his current rental property by securing him a much better interest rate than he currently had.

Right to buy Mortgages

Smart Home Finance are specialists in helping local authority tenants take advantage of the governments 'Right To Buy' scheme.

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Home Mortgages

Whether you’re looking to purchase your first home as a first time buyer or are looking to move into a larger property, Smart Home Finance are here to help.

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Buy to Let Mortgages

Smart Home Finance are experienced in arranging the funding for individuals who own or intend to purchase a residential property for which they let out and receive a rental income.

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Remortgage

Smart Home Finance offer independent advice with Remortgages and are here to help if you are looking to lower your current mortgage payments, raise cash for those home improvements you have in mind.

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Equity Release

Equity release enables homeowners over 55 to unlock tax free cash from some of the value of their home.

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Homeowner Loans

Consolidate credit cards, banks loans and store cards into one affordable monthly payment or raise funds for home improvements.

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Insurance

Whether you’re buying a home, moving on or raising funds for home improvements; the insurances involved can be somewhat confusing. At Smart Home Finance we can untangle the confusion and give guidance in an easy to understand fashion.

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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.

SOME TYPES OF BUY-TO-LET AND COMMERCIAL MORTGAGES AND BRIDGING LOANS ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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