Mortgage Advice

Smart Independent Financial Advice Ltd can introduce you to an independent Mortgage Adviser, so you will always be recommended the most suitable product on the market.

First Time Buyers

Buying a house is one of the most important purchases you will ever make, but you can rest assured the mortgage recommended will be the most suitable for your individual circumstances. You will have the peace of mind knowing, a detailed analysis of your income and expenditure would have taken place in order to secure a mortgage you can afford to pay now and in the future.

Moving Home

Before you state your home buying journey, it is important to know how much you can borrow and how much you can afford to repay. It is therefore important to speak to a trusted and experienced mortgage adviser.

Moving home can be a busy and stressful time, and the one thing you shouldn’t need to worry about is your mortgage. You can rest assured we will help you as much as possible with any queries and worries along the way.

Remortgaging

Remortgaging is simply moving your mortgage from one lender to another without moving home. However, small percentage differences in interest rates can have a big impact on your repayments, so it is crucial for you to receive whole of market advice from an experienced mortgage adviser so the most suitable product in the market can be recommended.

If you have enough equity in your property, you may be able to release some capital from your home to carry out home improvements, to raise capital to purchase a Buy to Let property or to consolidate debt, although you should think very carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.