your biggest financial investment

Buying a property is the biggest financial investment most of us will ever make and we want our customers to have access to the widest market.

The team will give you honest and professional advice when deciding which mortgage is best for you whether you are;

• First Time Buyer
• Homemover
• Remortgaging an existing property
• Investor looking to buy your first Buy to Let
• Portfolio Landlord (whether on personal or Limited Company basis)

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

Initial Consultation

Whether you are a first-time buyer, remortgaging, moving home or even a landlord, our mortgage advice and recommendation services are here to help you

Charlotte our qualified in-house Independent mortgage adviser will discuss your current situation and circumstances to enable us to source the right mortgage product for you that match your needs, priorities and budget. 

This advice given will enable you to determine what financial planning you would need to afford your new home. Charlotte can recommend mortgages from the whole of the market, will answer all of your questions with honesty, integrity and professionalism and is sure to find you a better option.

Full Application Submission

You will receive advice on which is the most suitable mortgage product to obtain, you will also be provided with a Smart Homes Application Package, we will organise your mortgage and submit this on behalf of you to the lender, prepare protection for your family and provide you with a Will for added security. Wills are referred to a third party. Neither Smart Homes nor The Mortgage World are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.

Monitoring and communication

Not only will The Mortgage World provide you with a personal recommendation, but Charlotte will also monitor and track your house purchase alongside Smart Homes so buying your home is stress free and seamless. Charlotte and her Client Account Team will be in contact with you,  your solicitors to provide the full customer service you need along the way.

You can use Smart Homes Mortgage Services no matter which estate agent you are buying or selling with as we simply want to help you get the right mortgage for your needs. You are not tied to our estate agency services in using our Mortgage Services. 

Information You Will Need to Provide

To ensure we find the best mortgage for your circumstances, you will need to provide:

• Income details – salary, bonuses, commissions, and any other sources of income.
• Expenses and liabilities – current mortgage/rent, loans, credit cards, or hire purchase agreements.
• Credit history – including your credit score and any adverse credit.
• Employment details – whether employed, self-employed, or operating as a Sole Trader/Limited Company.
• Assets – such as property or savings.
• Dependents – children, elderly parents, or others who may affect affordability.

It’s important to be as honest and accurate as possible when providing this information, as it is used to make important decisions about your finances and ability to afford a mortgage.