A MORTGAGE IS ONE OF
THE MOST IMPORTANT
FINANCIAL DECISIONS
YOU WILL MAKE!

Arranging your mortgage should be personal and A journey of choice and expertise

Carol Smith Mortgages Logo

Carol Smith Mortgages

Support and guidance to place you with a lender that is the best for your individual situation

Whether you are selling or buying for the 1st time or the 10th, remortgaging or extending your buy-to-let portfolio, this is where I come in.

I can help you through all of the considerations and I am with you every step of the way. The advice I will give you will be personal to you and tailor made to suit your situation.  I offer a level of service that you cannot get directly from your bank and offer you appointment either via zoom or in the comfort of your own home.

About

Carol Smith
Reviews and Ratings for Financial adviser Carol Smith, Warrington

I set the company up to give you personal and professional advice on mortgages and to guide you through all aspects involved in this.  I am the owner and director of the company and bring over 15 years of experience in the mortgage market.

I started my career as a mortgage broker for a brokerage, before moving onto a corporate estate agent for 10 years. This has given me invaluable experience in how they work.  I have years of knowledge of how lenders will look at you as a client and how to work to make the process as straight forward and stress free as possible.

I have seen most situations and understand that people don’t all fit into the pigeon holes the lenders dictate. I can give you the support and guidance to place you with a lender that understands this so any offers are the best for your situation.

Based in Runcorn, Cheshire, I can cover all surrounding areas on a face-to-face basis and further afield via zoom. This means I can help you out, no matter where you live or want to buy.  I will liaise with estate agents, solicitors and valuers to help you towards your deadlines.

As well as securing your mortgage, I can also arrange necessary protection to ensure you not only get the home of your dreams, but also keep it should the unexpected ever happen.

 

I have been on The Times vouchedfor top rated Financial Advisers list for 2 years running.

MORTGAGES

FIRST TIME BUYERS​

I can help you through the whole process, from initial discussion to the day you pick up your keys.

Your home may be repossessed if you do not keep up the repayments on your mortgage

Home Movers

It may be a while since you moved, or may be the first time you have moved, I’ll help at each stage

Your home may be repossessed if you do not keep up the repayments on your mortgage

Remortgages

I can help you save money, repay your mortgage early or help unlock money tied up in the house

Your home may be repossessed if you do not keep up the repayments on your mortgage

Self employed & Contractors

I understand how lenders look at your income and can guide you on how to best frame an application

Your home may be repossessed if you do not keep up the repayments on your mortgage

Buy-to-lets

There have been a lot of changes to this market, I can show what options best work for you

Some buy to let mortgages are not regulated by the Financial Conduct Authority

Shared ownership

This can be a real option to get you on the ladder and I can help liaise with the Housing Assoc.

Your home may be repossessed if you do not keep up the repayments on your mortgage

MORTGAGE CALCULATOR

year(s)

Your total monthly payment

Principal & Interest

PROTECTION

Life Insurance

Policy is designed to pay a lump sum upon death

Critical Illness

Policy to pay  out a lump sum upon diagnosis

Income protection

 If you are unable to work due to sickness/accident

Unemployment

To help you through a period off work

Buildings and Contents

Protect the building and those treasured possessions