Business Details
Expert Mortgage & Loan Services in Leicestershire
Smart Home Finance is a Leicestershire-based family business with decades of experience in the financial services sector, specialising in mortgages and secured loans. We operate independently, unaffiliated with any lender networks, and offer access to a wide range of products from high-street lenders and exclusive providers. Our expertise caters to both employed and self-employed clients, including those with less-than-perfect credit histories. We are directly authorised and regulated by the Financial Conduct Authority (FCA), ensuring compliance with rigorous industry standards.Our approach prioritises tailored solutions, transparent communication, and stress-free service, guiding clients through mortgage applications, remortgaging, equity release, and insurance arrangements. With over 50 years of combined experience, our team delivers personalised advice, leveraging deep market knowledge to secure competitive rates and meet diverse financial needs. We pride ourselves on accessibility, offering home visits and clear explanations without jargon, ensuring clients feel supported at every stage of their financial journey.
Services
Right to Buy Mortgages
Home Mortgages
Buy to Let Mortgages
Remortgage Services
Equity Release
Homeowner Loans
Insurance Arrangement
Highlights and features
- We offer independent mortgage advice with access to exclusive lenders.
- Our team has over 50 years of combined experience in financial services.
- We specialise in tailored solutions for clients with complex credit histories.
- FCA authorisation ensures adherence to strict regulatory standards.
- We provide stress-free, jargon-free guidance from application to completion.
Associations and certifications
- Financial Conduct Authority
What people say
Professional and knowledgeable
Helpful every step
Excellent service
Stress-free experience
Trusted family business
Services
Right to Buy Mortgages
We specialise in helping local authority tenants purchase their council homes through the government's Right to Buy scheme. Our team handles applications, secures mortgages, and negotiates council valuations to maximise discounts. We provide tailored advice for employed and self-employed clients, ensuring affordable repayments and compliance with legal requirements.
Buy to Let Mortgages
We arrange funding for residential rental properties, including portfolio management and remortgaging for additional investments. Our services cater to experienced landlords and first-time investors, offering competitive rates and strategies to optimise rental income. We also assist with regulatory compliance and tax-efficient structuring.
Remortgage Services
We provide independent advice on remortgaging to reduce payments, fund home improvements, or consolidate debt. Our expertise includes securing better rates for clients with changing circumstances, including those with credit issues. We handle negotiations with lenders and legal documentation to ensure seamless transitions.
Homeowner Loans
We offer secured loans for debt consolidation, home improvements, or personal needs, with terms from 3 to 30 years. Our solutions cater to clients with credit challenges, offering flexible repayment options. We explain risks clearly, including repossession risks, and ensure affordability assessments meet FCA standards.
Insurance Arrangement
We arrange insurance products to protect mortgages and properties, including life cover, critical illness cover, and buildings insurance. Our impartial advice ensures clients select policies tailored to their needs, often bundling cover for cost efficiency. We explain policy terms clearly to avoid misunderstandings.
People
John
Director
With over 25 years of experience, John specialises in mortgage solutions for first-time buyers and landlords. He focuses on clear communication and has helped hundreds secure financing, including complex cases with credit issues.
Graham
Director
Graham co-founded Smart Home Finance and oversees regulatory compliance. His 30-year career includes mentoring junior advisors and developing partnerships with exclusive lenders to expand client options.
Gemma
Senior Advisor
Gemma supports clients with remortgaging and equity release. She is known for her patient approach and expertise in explaining complex financial products in simple terms, ensuring informed decisions.
Questions
What mortgage options are available for first-time buyers?
We offer tailored mortgages for first-time buyers, including government-backed schemes and competitive fixed-rate deals. Our advisors help with affordability assessments and deposit requirements.
Can I remortgage with bad credit?
Yes. We work with specialist lenders to secure remortgage deals for clients with credit issues, focusing on affordability and long-term repayment plans.
How do you help buy-to-let investors?
We arrange buy-to-let mortgages with lenders offering favourable terms for rental income, including portfolio financing and tax-efficient structures for multiple properties.
What fees are involved in your services?
We disclose all fees upfront, including broker fees (up to 15% of the loan) and lender charges. No hidden costs are associated with our mortgage or loan arrangements.
Are your services regulated?
Yes. We are authorised and regulated by the Financial Conduct Authority (FCA), ensuring compliance with strict financial services standards.
