If you have clients looking to move away from an interest only mortgage and need specialist advice from a master broker, Smart Money can help with a full advice or packaged only service. Smart Money are a specialist finance broker and we work exclusively with mortgage advisers, IFA's and other financial introducers to provide them with access to our 4 key areas of expertise:.
Our business was created in 2009 with a clear mission to not only provide intermediaries with access to these specialist lending arenas but to also ensure that they are complimented by a superior level of customer service.
Our business was created in 2009 with a clear mission to not only provide intermediaries with access to these specialist lending arenas but to also ensure that they are complimented by a superior level of customer service.
Services
Smart Money are a specialist finance broker operating from offices in Cheshire. We work exclusively on behalf of our introducing partners to provide you with access to 4 key products:. Also known as a secured loan is a loan that is secured by way of second charge on a residential property.
The first mortgage stays in place and the equity between the value of a property and the outstanding mortgage balance can be used as security for a second charge.Second charge loans are now aligned with first mortgages, which means that they are an advised sale and subject to the same regulations as any other regulated mortgage.
The first mortgage stays in place and the equity between the value of a property and the outstanding mortgage balance can be used as security for a second charge.Second charge loans are now aligned with first mortgages, which means that they are an advised sale and subject to the same regulations as any other regulated mortgage.
If you would like to arrange a visit with one of our Regional Sales Managers please don't hesitate to ask and we'll be delighted to meet with you. Registered in England. Registered No: 7023509. Smart Money Ltd is authorised & regulated by the Financial Conduct Authority. Firm registration number 688185.
The Case: A directly authorised mortgage broker referred a client who was looking to raise 50,000 to purchase a BTL. Client's only security was his residential home and to complicate the case further the client advised us he had only been self-employed for four months.
The Solution: We placed this case with one of our lenders who offer a residential business loan product on a 2nd charge basis up to 75% LTV and advised the client that we could accept an accountants certificate projecting the current year's net profit which was acceptable to the lender following a referral.
The Solution: We placed this case with one of our lenders who offer a residential business loan product on a 2nd charge basis up to 75% LTV and advised the client that we could accept an accountants certificate projecting the current year's net profit which was acceptable to the lender following a referral.
We're delighted that we've just picked up the loantalk award for B2B Broker of The Year: Second Charge Mortgages. We've put a lot of time and effort into developing our bespoke second charge proposition and made it our mission to bring this important lending opportunity to the attention of our introducer market, so are pleased that we've received relevant recognition from both our introducing partners and lenders.
As an online secured loan lead generator it's vital that I work with a master broker who understands the importance of responding as quickly as possible to new enquiries. Having worked with others brokers in the past, it's refreshing to work with one that really values the importance of my business and who recognises the importance of customer service by keeping me fully updated on the progress of each case.
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