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. You may wish to consolidate loans, credit cards and other borrowings into one monthly payment.

Not only do we work with well-known high street lenders we also have access to some lenders you may not have heard of as they are not available to the general public directly.

With our knowledge, we can save you time and the hassle in trawling around the mortgage maze. Don’t worry if your credit profile is less than perfect we maybe able to help.

One example of how Smart Home Finance has helped. Mr D had his mortgage with one of the high street names and had never missed a mortgage payment and thought it wouldn’t be a problem to raise funds for a home improvement project. He approached his mortgage adviser who in turn approached his existing lender and Mr D was advised they could not help him.

The alternative solution recommended by his broker seemed to be expensive incurring lending fees alongside a high-interest rate. He had heard about Smart Home Finance from a friend we were able to arrange the funds he needed at a lower interest rate than he was currently paying and was delighted with the service 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.