Mortgage Advisor in Runcorn & Cheshire

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

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 1^st time or the 10^th, remortgaging or extending your buy-to-let portfolio, this is where we come in.

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

Your property may be repossessed if you do not keep up repayments on your mortgage.

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

ABOUT

Carol Smith Mortgage Services was set up to give you personal and professional advice on mortgages and to guide you through all aspects involved in this. At Carol Smith Mortgage Services we have a wealth of experience with over 20 years of experience in the mortgage market.

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

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

As well as securing your mortgage, we 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.

Carol Smith Mortgage Services provides expert mortgage, protection and insurance advice. Carol Smith Mortgage Services is a trading name of Just Mortgages Direct Limited and Carol Smith Mortgage Services is the name under which we carry out these services.

Carol Smith Mortgage Services is not a business in its own right, it is part of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Just Mortgages Direct Limited was set up in 2015 and has been part of The Openwork Partnership since 2016.

The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.

Our advisers at Carol Smith Mortgage Services will get to know your individual circumstances, establish what your goals are and what the right mortgage and protection arrangements are for you.

Carol Smith has been on The Times VouchedFor top rated Financial Advisers list for 6 years running.

Halton Business Awards – Outstanding Customer Service Award
Winner 2024
Finalist 2025

The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK.

Our advisers at Carol Smith Mortgage Services will get to know your individual circumstances, establish what your goals are and what the right mortgage and protection arrangements are for you.

Carol Smith has been on The Times VouchedFor top rated Financial Advisers list for 6 years running.

Halton Business Awards – Outstanding Customer Service Award
Winner 2024
Finalist 2025

Carol Smith

I started my career as a mortgage broker for a brokerage, before moving on to 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.

Chris Nilsen

I have worked in the financial services industry across the insurance and banking sectors since 2007, and achieved my CeMAP qualification in 2019. I have helped many clients buy their dream home since becoming a mortgage advisor and enjoy being there for them on every step of their journey.

I love spending time with my partner and two children, and I’m a big fan of Celtic F.C.

MORTGAGES

FIRST TIME BUYERS

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