Business Details
25 Years
experience
Your Trusted Mortgage Broker in Larkfield
At Smarter Mortgages, we are committed to delivering exceptional mortgage solutions tailored to our clients' unique needs. With over two decades of experience in the industry, we have established ourselves as a trusted name in mortgage advisory services. Our team of seasoned professionals, each boasting a minimum of 20 years' expertise, is authorised and regulated by the Financial Conduct Authority, ensuring the highest standards of service. We leverage cutting-edge technology to access thousands of mortgage deals from high street lenders and exclusive broker-only providers, ensuring our clients secure the most competitive rates. Our approach combines the efficiency of a large team with the personal touch of a small, dedicated team, offering clients a consistent point of contact throughout their mortgage journey.We specialise in first-time buyer mortgages, remortgaging, buy-to-let portfolios, and complex cases such as bad credit or self-employment. Our fee structure is transparent, starting at 495, with costs confirmed upfront to avoid surprises. We prioritise client satisfaction, evidenced by our 10,000+ satisfied customers and long-term relationships built on trust and reliability. Our services extend beyond mortgages, including advice on income protection, bridging finance, and secured loans, ensuring comprehensive financial guidance. We are proud to operate from our Larkfield office, serving clients nationwide with the same dedication that has defined us since 2001.
Services
First Time Buyer Mortgages
Remortgage Solutions
Buy to Let Advice
Bad Credit Mortgages
Help to Buy Schemes
Shared Ownership Guidance
Income Protection Advice
Bridging Finance
Secured Loans
Redundancy Cover
Details
- Year established: 2001
Highlights and features
- We offer 20+ years of mortgage advisory expertise.
- Our FCA-regulated team ensures compliance and trust.
- Dedicated brokers provide consistent, personalised service.
- Smart technology accesses exclusive mortgage deals.
- Transparent fees confirmed before work begins.
Associations and certifications
- Financial Conduct Authority
What people say
Great Service
Great Advice
Lots of Experience
Fantastic
Above and beyond
Services
First Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers, simplifying the process of purchasing a first home. We offer competitive rates and expert guidance to navigate eligibility criteria and deposit requirements. Our service ensures a stress-free experience from application to completion.
Remortgage Solutions
Expert remortgaging advice to help clients save money or access equity. We provide free valuations and legal work, comparing thousands of deals to secure optimal rates. Our brokers manage the entire process seamlessly for a smooth transition.
Buy to Let Advice
Specialist guidance for property investors seeking buy-to-let mortgages. We offer insights into portfolio growth, tax implications, and lender-specific criteria. Our service helps clients maximise returns while navigating complex market conditions.
Bad Credit Mortgages
Solutions for clients with credit challenges, including defaults or bankruptcies. We connect clients with lenders specialising in adverse credit cases and provide strategies to improve eligibility. Our brokers ensure transparent terms and manageable repayment plans.
Income Protection Advice
Comprehensive income protection strategies to safeguard clients against job loss or illness. We assess individual needs and recommend policies covering essential expenses. Our advice ensures financial stability during unforeseen circumstances.
People
Richard Harris
Mortgage Broker
Richard Harris brings decades of mortgage expertise, offering tailored advice to help clients secure competitive deals. His client-focused approach ensures clarity and confidence throughout the mortgage process.
Adam Makewell
Mortgage Broker
Adam Makewell specialises in complex mortgage cases, providing strategic solutions for unique financial situations. His dedication to client satisfaction ensures a seamless and informed mortgage journey.
Kayleigh Harris
Mortgage Broker
Kayleigh Harris combines in-depth market knowledge with personalised service, helping clients navigate first-time purchases or portfolio expansions. Her proactive communication ensures clients feel supported at every stage.
Jayne Harris
Case Manager
Jayne Harris has managed mortgage applications since 2003, coordinating with lenders and solicitors to ensure smooth transactions. Her attention to detail guarantees efficient processing and client peace of mind.
Questions
How do you find competitive mortgage deals?
We use advanced technology to compare thousands of mortgages from high street and exclusive broker-only lenders, ensuring optimal rates for your circumstances.
What fees are involved?
Our standard fee is £495, confirmed upfront based on case complexity. There are no hidden costs, and your broker will clarify all details before proceeding.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit cases, connecting clients with lenders who cater to unique financial histories while offering clear repayment terms.
How long does the mortgage process take?
Timelines vary, but our dedicated brokers streamline applications, typically completing transactions within 4-8 weeks, depending on lender requirements.
Is your advice regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority, ensuring compliance with strict industry standards and client protections.
Do you offer ongoing support after completion?
Absolutely. We provide lifelong mortgage advice, assisting with remortgaging, portfolio growth, or financial changes to ensure your mortgage evolves with your needs.
