HOW WE CAN HELP
Mortgage and protection services
Clear advice for straightforward applications and the cases that need deeper lender knowledge.
Credit-impaired mortgages
Understand missed payments, defaults, CCJs and formal debt arrangements before applying.
Explore the guide →SMART MORTGAGESFirst-time buyer mortgages
Clear advice on deposits, affordability, lender criteria and your first application.
Explore this service →SMART MORTGAGESHome mover mortgages
Coordinate your sale, purchase and new mortgage with one experienced adviser.
Explore this service →SMART MORTGAGESRemortgages
Review your current deal and wider options before your existing rate ends.
Explore this service →SMART MORTGAGESNew-build mortgages
Specialist help with reservation deadlines, incentives and new-build lender rules.
Explore this service →SMART MORTGAGESSelf-build mortgages
Funding structured around your land purchase and staged construction costs.
Explore this service →SMART MORTGAGESSelf-employed mortgages
Mortgage advice for sole traders, contractors, partners and limited-company directors.
Explore this service →SMART MORTGAGESLimited-company director mortgages
Find lenders who assess the real strength of your business and income.
Explore this service →SMART MORTGAGESContractor mortgages
Use your contract value or trading history with lenders who understand contractors.
Explore this service →SMART MORTGAGESComplex mortgages
Practical routes forward when your income, credit or property does not fit a standard box.
Explore this service →SMART MORTGAGESBad-credit mortgages
Specialist mortgage advice when missed payments or previous credit problems make the standard route harder.
Explore this service →SMART MORTGAGESMortgages with a CCJ
Understand your mortgage options after a County Court Judgment, based on its age, value and current status.
Explore this service →SMART MORTGAGESMortgages after defaults
Find lenders able to assess historic or recent defaults in the context of your full circumstances.
Explore this service →SMART MORTGAGESMortgages after an IVA
Specialist advice for buying or remortgaging after an individual voluntary arrangement.
Explore this service →SMART MORTGAGESMortgages with a debt management plan
A case-specific review for applicants currently in or previously subject to a debt management plan.
Explore this service →SMART MORTGAGESMortgages after bankruptcy
Understand when lenders may consider an application after discharge and what evidence strengthens the case.
Explore this service →SMART MORTGAGESFirst-time buyer mortgages with bad credit
Build a realistic first-home plan when past credit problems affect lender choice.
Explore this service →SMART MORTGAGESMortgages with one year’s accounts
Mortgage options for eligible sole traders and company directors with a short trading history.
Explore this service →SMART MORTGAGESMortgages using benefits income
Understand which eligible benefits lenders may include when assessing mortgage affordability.
Explore this service →SMART MORTGAGESMortgages for NHS and healthcare workers
Mortgage advice for healthcare professionals using basic pay, overtime, allowances, bank shifts or multiple roles.
Explore this service →SMART MORTGAGESMortgages using Republic of Ireland income
UK mortgage advice for Northern Ireland residents earning salary or business income in euros.
Explore this service →SMART MORTGAGESGreen and energy-efficient mortgages
Explore eligible mortgage incentives and finance for energy-efficient homes and improvements.
Explore this service →SMART MORTGAGESBuy-to-let mortgages
Advice for first-time landlords, experienced investors and growing portfolios.
Explore this service →SMART MORTGAGESLimited-company buy-to-let
Specialist mortgage options for property purchases through an SPV limited company.
Explore this service →SMART MORTGAGESFamily Investment Company property finance
Specialist mortgage guidance for families considering long-term property investment through a professionally structured company.
Explore this service →SMART MORTGAGESBuy-to-let with no minimum income
Explore lenders that do not apply a fixed personal-income threshold to eligible buy-to-let applications.
Explore this service →SMART MORTGAGESBridging finance Northern Ireland
Fast, short-term property finance for purchases, auctions, renovations and broken chains across Northern Ireland.
Explore this service →SMART MORTGAGESHMO and multi-unit apartment finance
Specialist funding for houses in multiple occupation, apartment blocks and multi-unit freehold properties.
Explore this service →SMART MORTGAGESCommercial mortgages
Finance for owner-occupied premises, investment property and business expansion.
Explore this service →SMART MORTGAGESBusiness loans
Funding for growth, equipment, working capital and established business needs.
Explore this service →SMART MORTGAGESExpat mortgages
UK mortgage advice for British nationals living and earning overseas.
Explore this service →SMART MORTGAGESForeign-income mortgages
Find lenders able to consider income paid in supported foreign currencies.
Explore this service →SMART MORTGAGESVisa mortgages
Mortgage options for applicants living in the UK on eligible visas.
Explore this service →SMART MORTGAGESHigh-value mortgages
Discreet, detailed advice for large loans and complex high-net-worth income.
Explore this service →SMART MORTGAGESLater-life mortgages
Explore mainstream, retirement interest-only and later-life borrowing options.
Explore this service →SMART MORTGAGESLife insurance
Cover designed to protect your family and help repay borrowing if you die.
Explore this service →SMART MORTGAGESCritical illness cover
Financial protection if you are diagnosed with a qualifying serious illness.
Explore this service →SMART MORTGAGESIncome protection
Help protect your monthly income if illness or injury prevents you from working.
Explore this service →SMART MORTGAGESKey person insurance
Help protect the business if a vital employee, founder or revenue-generator dies or becomes critically ill.
Explore this service →SMART MORTGAGESDirectors’ life insurance
Life cover options designed around directors and their businesses.
Explore this service →SMART MORTGAGESPrivate medical insurance
Private healthcare options for directors, teams and employees.
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