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Mortgages
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We are able to provide an unparalleled mortgage placement service to all our clients. Selecting from over 8,000 mortgage products from our computer database which is updated daily, we can find a mortgage product to suit your own individual requirements. Please take advantage of our quotation service and go to our enquiry form or telephone us

For the self employed we have a selection of products available for customers who cannot prove income or have limited accounting information and for those interested in the buy to let market, we have some niche mortgage schemes ideally suited to this purpose.

First Time Buyers
CCJ's & Defaults*
Next Time Buyers Self Employed (No Accounts)**
Re Mortgages Right to Buy***
100% Mortgages**** Buy to Let


Click here for a Mortgage Calculator or here if you have an Enquiry.

If you have experienced credit problems or have been turned down
please click here for more information, we may be able to help.

*For adverse mortgages, the overall cost for comparison is 9.2% APR - actual rate available will depend on your circumstances. Please ask for a personalised illustration. Rate correct as of 28/03/2008
**For self certification mortgages, the overall cost for comparison is 8.2% APR . Actual rate available will depend upon your circumstances. Please ask for a personalised illustration. Rate correct as of 28/03/2008.
***For right to buy mortgages, the overall cost for comparison is 7.2% APR . Actual rate available will depend upon your circumstances. Please ask for a personalised illustration. Rate correct as of 28/03/2008.
**** Higher Lending Charges may apply.
 

We normally do not charge a fee for mortgage advice, however a fee paying option is available. Our typical fee is £295.

Personal Loans are not regulated and Buy to Let mortgages may not be regulated by the Financial Services Authority.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Smarter Mortgages UK Ltd is registered in England and Wales No. 05181925

Smarter Mortgages UK Ltd is an Appointed Representative of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Services Authority (FSA)