Buying a property, especially a new home, is an exciting time. But it can also be stressful. And while mortgage comparison websites are now ten a penny, having someone to guide you through finding the right mortgage is invaluable.

There are literally thousands of mortgages on the market and choosing one that’s exactly right for you can be time-consuming and stressful. Lenders also have different rules and expectations, and unravelling these can be better done under an expertly-trained eye.

At Smiths Financial, we are dedicated to helping you find the right mortgage for your budget and your unique circumstances and needs, and providing unbiased advice and guidance that’s simple and clear, no jargon.

With in-depth knowledge, we will look at a number of different options for you to ensure you can still afford your monthly mortgage payments should rates start to rise. As well as traditional residential mortgages, we can help with:

  • Self-build mortgages
  • Self-employed mortgages
  • Adverse credit mortgages
  • Remortgaging and product transfers

How much can I borrow?

The rule of thumb is that you could potentially borrow anywhere between three and five times your salary. If you’re buying as a couple, it’ll be more like 2.5 times your combined incomes.

The quickest way to find out the most you can comfortably borrow is to speak to an experienced mortgage broker such as ourselves. We will check through all the available mortgages out there to make sure you get the right deal – the cheapest deal may not be the right one for you in the long term.

We specialise in the following mortgages:

Ready to talk through your needs?