Business Details
25 Years
experience
Your Trusted Mortgage Broker in Larkfield - Smarter Mortgages
Established in 2001, Smarter Mortgages has become a trusted name in mortgage advisory services. Our team of expert brokers combines over two decades of experience with cutting-edge technology to source optimal mortgage solutions for diverse client needs. We are authorised and regulated by the Financial Conduct Authority, ensuring compliance with the highest industry standards. Our approach prioritises personal service, with dedicated brokers guiding clients through every stage of their mortgage journey. Specialising in first-time buyer mortgages, remortgaging, buy-to-let financing and complex cases, we offer access to thousands of products from high-street lenders and exclusive broker-only providers.The team maintains long-term relationships with clients, having supported many through multiple property transactions over the years. Our fee structure is transparent, with typical service charges confirmed upfront before any work commences. With physical offices in Larkfield and digital accessibility via online platforms, we deliver both local expertise and modern convenience. Client testimonials consistently highlight our responsiveness, expertise and ability to secure competitive rates even in challenging market conditions.
Services
First Time Buyer Mortgages
Remortgages
Home Mover Mortgages
Buy to Let Mortgages
Help to Buy Mortgages
Shared Ownership Mortgages
Bad Credit Mortgages
Right to Buy Mortgages
Details
- Year established: 2001
Highlights and features
- We have 20+ years' experience advising mortgage clients
- All brokers are FCA-authorised professionals
- Smart technology accesses exclusive mortgage deals
- Dedicated broker assigned for each client
- Transparent fee structure with upfront pricing
Associations and certifications
- Financial Conduct Authority
What people say
Great Service
Dedicated Broker
Easy Process
Competitive Rates
Trusted Advisor
Services
Mortgage Broker Service
Our FCA-regulated mortgage brokers provide expert guidance through the entire mortgage process. Utilising smart technology and 20 years' market experience, we access thousands of products to find optimal solutions. Clients receive dedicated support from initial consultation through to completion.
First Time Buyer Mortgages
Specialised mortgage solutions for first-time buyers navigating their initial property purchase. We simplify complex mortgage options, help secure competitive rates and provide guidance on government schemes like Help to Buy.
Remortgage Advice
Expert remortgaging guidance that evaluates current arrangements and identifies better deals. Our service includes free valuations and legal work when switching through our network, helping clients reduce monthly payments.
Buy to Let Financing
Tailored mortgage advice for property investors seeking buy-to-let financing. We provide access to specialist products and help build investment portfolios with strategic mortgage planning.
Bad Credit Mortgages
Mortgage assistance for clients with credit challenges. Our brokers have experience securing financing options for complex cases through a network of specialist lenders offering adverse credit mortgages.
People
Richard Harris
Mortgage Broker
Experienced mortgage broker with over two decades of industry expertise, providing tailored property financing solutions and building long-term client relationships.
Adam Makewell
Mortgage Broker
Specialist mortgage advisor committed to helping clients navigate property financing options and secure competitive mortgage deals.
Kayleigh Harris
Mortgage Broker
Dedicated mortgage broker focused on delivering exceptional client service and expert property financing advice across multiple mortgage products.
Jayne Harris
Case Manager
Experienced case manager coordinating mortgage applications since 2003, ensuring smooth transactions between clients, lenders and legal professionals.
Questions
What mortgage services do you offer?
We specialise in first-time buyer mortgages, remortgages, buy-to-let financing, bad credit mortgages and right-to-buy schemes.
How much do your mortgage services cost?
Our standard brokerage fee is £495, with exact pricing confirmed before starting any work.
How do you find competitive mortgage rates?
We access 1,000s of products from high-street banks and exclusive broker-only lenders using advanced search technology.
Are you regulated by financial authorities?
Yes, we are fully authorised and regulated by the Financial Conduct Authority (FCA number 302007).
What areas do you cover?
We operate UK-wide with physical offices in Larkfield and digital accessibility for clients nationwide.
