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.

We can help by arranging an appropriate policy from a large range of providers including all the well-known names. This means that you have the right type of cover depending on individual circumstances.

Just as with other aspects of buying your home with your mortgage, we arrange any insurances that you need with a choice of household names.

We are an independent broker and therefore provide you with the insurance cover you need from an impartial point of view. To see the benefits of how an insurance policy can help you have peace of mind, please click on the following links.

Many of our clients wish to have insurance cover in case they lose their job so as the monthly mortgage payments are covered. We can also arrange cover just in case a serious illness occurs so that the mortgage could be paid off in full. Many of our clients have asked for the full amount of the mortgage to be covered in the form of a life insurance policy tailored to their individual needs. The mortgage lender will usually insist on their being building cover in place at the time of house purchase. Usually, it is more cost effective to arrange home contents cover at the same moment.

Smart Home Finance can do this for you without you having the hassle of shopping around for the most appropriate cover at a competitive price. Although comparison sites provide a good service, not all insurances that are out there are always featured. Smart Home finance are completely independent and therefore can offer you insurance cover from the whole of the market. Just as with mortgages and home finance Smart Home Finance are your one-stop shop for insurance protection.

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.

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

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.

We can help by arranging an appropriate policy from a large range of providers including all the well-known names. This means that you have the right type of cover depending on individual circumstances.

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.

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.