Business Details
25 Years
experience
Trusted Mortgage Brokers in Larkfield | Smarter Mortgages
Established in 2001, Smarter Mortgages has built a reputation as a trusted mortgage brokerage firm serving clients across the UK. Our team of highly experienced brokers, each with over 20 years of industry expertise, utilises cutting-edge technology to source tailored mortgage solutions from thousands of options available through high street lenders and exclusive broker-only providers. As an authorised and regulated entity by the Financial Conduct Authority (FCA), we prioritise transparency, client education, and long-term relationships, having supported 10,000+ clients through property purchases, remortgaging, and portfolio expansions.Our dedicated approach ensures a single point of contact throughout the mortgage journey, offering flexibility through phone, email, online chat, or in-person consultations. We specialise in first-time buyer mortgages, buy-to-let portfolios, bad credit scenarios, and complex cases, while maintaining a commitment to affordability assessments and risk transparency. Our fee structure, typically 495 per case, is confirmed upfront, ensuring no hidden costs. With a focus on combining the efficiency of technology with the personal touch of a small team, we aim to simplify the mortgage process while maintaining rigorous compliance standards.
Services
First-Time Buyer Mortgages
Remortgaging Services
Buy to Let Mortgages
Bad Credit Mortgages
Help to Buy Schemes
Details
- Year established: 2001
Highlights and features
- We have 20+ years of combined experience in mortgage advisory services
- Our brokers are FCA-authorised and regulated for compliance assurance
- We utilise smart technology to access 1,000s of exclusive mortgage deals
- Dedicated single-point contact throughout your mortgage application process
- 10,000+ satisfied clients supported with transparent fee structures
Associations and certifications
- Financial Conduct Authority
What people say
Great Service
Highly recommend
Fantastic service
Expert advice
Long-term support
Services
First-Time Buyer Mortgages
Specialist mortgage solutions for first-time property purchasers. We provide comprehensive guidance through the entire process, from initial affordability assessments to final approval. Our brokers compare thousands of deals to secure competitive rates tailored to individual circumstances, including help-to-buy schemes and shared ownership options. With dedicated support from experienced advisors, clients receive clear explanations of all requirements and documentation needed.
Remortgaging Services
Expert assistance for homeowners seeking better mortgage terms. We analyse existing agreements and market alternatives to identify savings opportunities. Our service includes free valuations, legal work coordination, and penalty calculations for early repayment charges. Brokers negotiate directly with lenders to secure optimal rates while ensuring clients understand all financial implications and long-term commitments associated with new arrangements.
Buy to Let Mortgages
Tailored financing solutions for property investors. Our specialists understand the unique requirements of buy-to-let portfolios, including tax implications and rental income assessments. We connect clients with lenders offering competitive rates for multiple properties, providing strategic advice on portfolio growth and risk management. The service includes market analysis, cash flow projections, and guidance on regulatory requirements specific to investment properties.
Bad Credit Mortgages
Specialist mortgage options for applicants with credit challenges. We work with lenders who consider individual circumstances beyond credit scores, including explanations for past issues. Brokers provide detailed guidance on improving approval chances and demonstrate how to present financial histories effectively. The service includes realistic affordability assessments and recommendations for credit-building strategies to support long-term homeownership goals.
Help to Buy Schemes
Expert navigation of government-backed home ownership programs. We explain eligibility criteria for equity loan schemes and shared ownership models, helping clients determine the most suitable options. Our brokers coordinate with housing associations and developers to facilitate smooth applications, ensuring compliance with all program requirements while maximising financial benefits for first-time buyers.
People
Richard Harris
Mortgage Broker
Experienced mortgage advisor with over 20 years in the industry, specialising in complex cases and long-term client relationships. Provides expert guidance through property transactions while maintaining FCA compliance standards.
Adam Makewell
Mortgage Broker
Dedicated mortgage professional with extensive knowledge of buy-to-let investments and portfolio management. Focuses on delivering tailored solutions while ensuring clients understand all financial commitments.
Kayleigh Harris
Mortgage Broker
Client-focused mortgage advisor committed to providing clear explanations of available options. Specialises in first-time buyer mortgages and remortgaging strategies with a track record of successful case completions.
Jayne Harris
Case Manager
Experienced case manager since 2003, coordinating mortgage applications between clients, lenders, and legal representatives. Ensures smooth processing through effective communication and documentation management.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let investments, bad credit solutions, help-to-buy schemes, and shared ownership mortgages.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 302007.
How much do your services cost?
Our standard fee is £495 per case, though this may vary depending on transaction complexity. Your broker will confirm costs before starting work.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit cases and work with lenders who consider individual circumstances beyond credit scores.
Do you offer online mortgage applications?
We provide online chat and document submission options while maintaining personal advisor support throughout the process.
