Looking after you every step of the way
Welcome to Mortgage Smart, a team of approachable, well established Mortgage Advisors based in Northamptonshire, Oxfordshire and Buckinghamshire. With so many choices of mortgage schemes available quite often it’s difficult to know where to start. Here the team are Mortgage Smart and know the market inside out.
We work for you not the financial institution and have your best interests at heart.
We offer plain talking, jargon free mortgage advice at a pace that suits you.
So whether you’re a First Time Buyer, an experienced mover or a Landlord – we’ll match you to the best mortgage product saving you time and money.
We are here to support you and take the stress and uncertainty that comes with buying and selling property.
Once we’ve helped you source the most suitable mortgage, we will also advise you on the best Protection Products to ensure you can be fully protected – no matter what life throws at you.
Friendly and approachable and looking after you every step of the way.
Call us today to arrange a free initial consultation.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. The Financial Conduct Authority does not regulate all Buy to Let mortgages.
EXCELLENT Based on 20 reviews Kate H2025-01-18Trustindex verifies that the original source of the review is Google. Rachel was the biggest help we could have asked for in the process of buying our first home! She made the whole experience feel so much more manageable and less complicated. We really couldn’t have done it without her! Thank you so much for your help & ongoing support! Katie & JT Lionel Payne2024-08-17Trustindex verifies that the original source of the review is Google. Rachel helped me over the summer to navigate the landscape as a first time buyer. She separated the important from the tick box exercises, always providing professional advice - being personal and making the process an ease. Thank you Rachel! Sam Groves2023-09-22Trustindex verifies that the original source of the review is Google. Nigel at Mortgage Smart helped us out a few months ago just as mortgage rates were rising weekly and products were being pulled. He secured us a mortgage which meant we were able to follow through on a purchase on our first house. He was super useful and concise in everything else and was rapid in response, nothing ever felt like an issue. A big recommend to anyone wanting a mortgage. claire pendlebury2023-08-14Trustindex verifies that the original source of the review is Google. Rachel has just completed a re-mortgage for us in this difficult market. Was very efficient and led the application superbly from start to finish with succinct and clear advice where needed. Kate Williams2023-05-31Trustindex verifies that the original source of the review is Google. I have used Rachel from Mortgage Smart a few times now and would highly recommend her. I have always found mortgages and life insurance confusing but Rachel explained things clearly to me and made sure I understood what I was signing. This made the whole process as stress-free as possible. I recommend getting in contact with Mortgage Smart. Samantha Rutland2023-02-02Trustindex verifies that the original source of the review is Google. Nigel was very helpful when we purchased our first home. I feel I was a bit of a pain with the amount of questions and worries I had due to knowing nothing about buying a house, but Nigel didn’t seem bothered and I was always there for a last minute phone call to put my mind at rest. He also helped us with our insurance policies too which was one less thing to worry about. Couldn’t recommend him enough and we were happy with the solicitors he uses too. Ramunas Astrauskas2022-11-18Trustindex verifies that the original source of the review is Google. Definitely recommend. Helped a lot during the process and made it a very easy task to buy a house. A+ from me. Saul B2022-10-17Trustindex verifies that the original source of the review is Google. Honestly, I cannot recommend Rachel highly enough, we needed help navigating a mortgage as self employed and she got us the best possible product, and when our buyer pulled out at the last minute she picked up the phone instantly, negotiated an extension and chased up the new buyers solicitor, worth every single penny and more. Would never choose anyone else and will use her for any future needs unquestionably. Matt Spaull2022-10-04Trustindex verifies that the original source of the review is Google. Rachel is amazing! Takes the time to listen to my mortgage questions. Wouldn’t use anyone else. Ali Ghabeli Juibary2022-09-21Trustindex verifies that the original source of the review is Google. I worked with Nigel in this great company. It was really great experience working with him. It was a very difficult and complex job for purchasing my first home because all of my funds were from Iran. He was very responsive and flexible to work around my schedule when organising times to talk through my options. I highly recommended working with this company. Thank you so much.
The firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity. Our typical fee is £395.
Mortgage Smart Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
Registered in England & Wales, 11754334
Your home may be repossessed if you do not keep up repayments on your mortgage.