Home Purchase

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 to provide a mortgage that is suitable for you.

Being an independent mortgage broker we are able to search the whole of the market. We have access to financial providers from high street lenders through to specialist lenders who are not directly available to the general public offering competitive rates of interest.

We are also able to help those clients who have a less than perfect credit profile.

We are also able to help those clients who have a less than perfect credit profile. In short, we are able to help many different individual circumstances and offer personal friendly service.

Before you start your property search we are able to provide you with an indication as to how much you are able to borrow and a guide as to the monthly repayments. Smart Home Finance can also arrange insurances in connection with a mortgage. Buying your first home or moving to another property can sometimes be quiet daunting and stressful, our aim at Smart Home Finance is to help and guide you through this journey.

Buying your first home or moving to another property can sometimes be quiet daunting and stressful, our aim at Smart Home Finance is to help and guide you through this journey. Just one example of how Smart Home Finance has helped a young couple buy their first home.

Mr B and his partner were in rented accommodation and had ambitions to move to a place of their own. They previously approached their bank for a mortgage and were turned down. Their next port of call was a Mortgage Broker who also could not help. Smart Home Finance came to their rescue. We advised and arranged a mortgage to suit their needs with the mortgage repayments being affordable. Being first time buyers they appreciated the help and guidance of Smart Home Finance.

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.