At SM Mortgage Services things are a little bit different, in our eyes the personal touch makes all the difference. Our aim is to understand your individual circumstances. We build our advice around your needs and provide you with the most appropriate solution, but most importantly we'll help you understand all of your options so we really do get the right choice for you.
We help customers navigate the options available to them through clear information and guidance, this in turn enables them to understand their choices and make informed decisions. At SM Mortgage Services we pride ourselves in putting our customers at the heart of everything we do. We take care of everything from explaining all of your options and helping you select the right mortgage, to choosing the most suitable protection for you and your family, and handling the whole application process.
We help customers navigate the options available to them through clear information and guidance, this in turn enables them to understand their choices and make informed decisions. At SM Mortgage Services we pride ourselves in putting our customers at the heart of everything we do. We take care of everything from explaining all of your options and helping you select the right mortgage, to choosing the most suitable protection for you and your family, and handling the whole application process.
Services
A mortgage is likely to be the single largest financial commitment you ever make.
There's a wide range of mortgage products out there, with varying interest rates and repayment options available.
The Financial Conduct Authority (FCA), the financial services industry regulator, has set out a new set of rules for mortgage advisers like us, and lenders, to improve the process of getting a mortgage, and prevent these past problems.
To do this they will need information about your income and outgoings.
There's a wide range of mortgage products out there, with varying interest rates and repayment options available.
The Financial Conduct Authority (FCA), the financial services industry regulator, has set out a new set of rules for mortgage advisers like us, and lenders, to improve the process of getting a mortgage, and prevent these past problems.
To do this they will need information about your income and outgoings.
Buying a home for the first time can be a daunting prospect.
There's so many things to think about - and that's before you've even considered the many mortgage products, rates and lenders to choose from.
Budget accurately: Be realistic about how much you can afford to spend on a house, and ensure the intended mortgage is affordable.
Don't forget to allow for furnishings, and remember older properties may require extensive work, such as re-flooring, tiling or renewing the wiring.
Make sure you budget for these likely expenses in addition to the purchase price, along with other fees such as conveyancing and stamp duty.
There's so many things to think about - and that's before you've even considered the many mortgage products, rates and lenders to choose from.
Budget accurately: Be realistic about how much you can afford to spend on a house, and ensure the intended mortgage is affordable.
Don't forget to allow for furnishings, and remember older properties may require extensive work, such as re-flooring, tiling or renewing the wiring.
Make sure you budget for these likely expenses in addition to the purchase price, along with other fees such as conveyancing and stamp duty.
Our professional mortgage advice will help make your move less stressful.
Whether you need more space, are downsizing, or simply moving on, our mortgage advisers will find the right deal for you.
We work with a wide range of lenders including Halifax, HSBC, Nationwide, Santander and Virgin Money, and have access to exclusive deals you won't find anywhere else.
We will recommend the most appropriate deal for you based on interest rate, loan period and repayment method.
We'll also help you decide which type of mortgage best suits your objectives - be it fixed, variable, tracker, offset or something else entirely.
Whether you need more space, are downsizing, or simply moving on, our mortgage advisers will find the right deal for you.
We work with a wide range of lenders including Halifax, HSBC, Nationwide, Santander and Virgin Money, and have access to exclusive deals you won't find anywhere else.
We will recommend the most appropriate deal for you based on interest rate, loan period and repayment method.
We'll also help you decide which type of mortgage best suits your objectives - be it fixed, variable, tracker, offset or something else entirely.
Remortgaging means switching your mortgage to another deal, possibly, with another lender without moving property.
Some people switch mortgages because it will work out cheaper for them.
For example, the introductory discounted interest rate may have finished with your current lender, and you might get a cheaper deal.
It is worth noting that a remortgage isn't always the most suitable option.
Sometimes any saving made by securing a cheaper interest rate can be outweighed by the fees incurred in setting up the new mortgage and converting unsecured debt to secured debt may not be in your long term interest.
Some people switch mortgages because it will work out cheaper for them.
For example, the introductory discounted interest rate may have finished with your current lender, and you might get a cheaper deal.
It is worth noting that a remortgage isn't always the most suitable option.
Sometimes any saving made by securing a cheaper interest rate can be outweighed by the fees incurred in setting up the new mortgage and converting unsecured debt to secured debt may not be in your long term interest.
The government has put in place a number of schemes to support house purchasers, such as Help to Buy.
The Help to Buy mortgage guarantee scheme helps you buy a home with a deposit of 5% of the purchase price.
It's open to both first-time buyers and home movers for new-build and older homes in the UK, with a purchase price up to 600,000.
You don't have to be a first-time buyer and there's no limit on your level of income.
But you can't use Help to Buy with any other publicly funded mortgage scheme, or an interest-only mortgage.
The Help to Buy mortgage guarantee scheme helps you buy a home with a deposit of 5% of the purchase price.
It's open to both first-time buyers and home movers for new-build and older homes in the UK, with a purchase price up to 600,000.
You don't have to be a first-time buyer and there's no limit on your level of income.
But you can't use Help to Buy with any other publicly funded mortgage scheme, or an interest-only mortgage.
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