SMK Mortgages

Dream, Believe, Achieve

South Wales Mortgage & Protection Specialist

From New-Build to Self-Build - we can help with all your mortgage needs

Keys in hand

First Time Buyers

With so many mortgage deals out there and different fees and tie-in periods, it can be tricky to work out which mortgage is going to be best for you and as a result, many people find taking that first step onto the property ladder quite daunting.  Expert advice from a professional and experienced mortgage advisor at SMK Mortgages can make sure you get it right first time, finding the most suitable deal for your needs and budget.

We will guide you through the process, and assist you right through to completion, dealing not only with the lender, but with any estate agents, solicitors and any other third parties as necessary.  Our job only finishes when you have the keys to your new home in your hands!


With accreditation from the Help-to-Buy Wales scheme, whether you are a first-time buyer OR a home-mover wishing to purchase a new-build house, SMK Mortgages can help you.  We can advise you on eligibility and affordability, explain how the schemes work and complete applications to both Help-to-Buy schemes AND the mortgage lender on your behalf.  As with all our mortgage services, we work with you throughout the whole process until your new purchase has completed.

H2BW accredited logo

As we are not tied to an agent or developer, we can help you with your mortgage requirements regardless of which developer you are purchasing from – developers cannot force you to use their in-house advisor but they will want to know that your advisor can provide a timely and efficient mortgage service.  Our experience and expertise means that we can help to make your journey to your new home as smooth and stress-free as possible.



There may come a time when you wish to move on from your current home – to accommodate a growing family, to downsize, or simply to change location.  Whatever your reasons, we can help you to achieve your dreams by arranging a mortgage deal that is right for you. 

At SMK Mortgages, we can source mortgages for a variety of clients, including those who are self-employed, have adverse credit, wish to build their own home or are foreign citizens.  We work with you to ensure that the process runs as smoothly and as stress-free as possible, from the initial consultation to exchanging and completing on the purchase of your new home.


Happy remortgager


Whether you are looking to re-mortgage to get a better deal or to raise money, to carry out home improvements for example, we can help to find the right mortgage for you.  We are focused on providing good customer service, ensuring that your mortgage is processed promptly and efficiently. 

We deal with all major lenders, as well as a number of smaller lenders that are not on the high street but who may offer a deal which fits all of your requirements – this might enable you to save money or to get that dream kitchen or bathroom!

You may have to pay an early repayment charge to your existing lender if you re-mortgage during a tie-in period.  For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs, for example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan).


If you’re thinking of buying a property as an investment, then getting the right mortgage could be the best move you make.  Ensuring you have a competitive mortgage deal could make all the difference to how successful your investment is and at SMK Mortgages we can source a wide range of buy-to-let mortgages from across the market.  We can provide you with expert advice on which one is right for your buy-to-let venture, whether you are an existing landlord or thinking of buying your first investment property.

Please note, our advice is only in relation to the most suitable buy-to-let mortgage; we cannot give advice on what might constitute a suitable investment property nor can we give tax or investment advice.

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

Equity Release & Lifetime Mortgages

Unlock money from your home for a more comfortable retirement.

Wondering how your home could help you in later life?  With an Equity Release solution you may be able to access some of the money tied up in the value of your home without having to sell up or move out.

If you are 55 or above, you own your home and have a significant amount of equity, Equity Release may be ideal for you.  You may not have enough money or income for your immediate or ongoing needs so equity is released from your home in the form of a lifetime mortgage or a home reversion plan, both of which enable you to remain in your home. Home Reversion services are referred to a third party. Neither SMK Mortgages or TenetLime are responsible for the service received. Funds released can be used for a variety of reasons such as:

  • generating a capital lump sum
  • providing an additional income
  • providing lifetime gifts to relatives
  • carrying out home improvements
  • funding long-term care
Retired couple

At SMK Mortgages we explain equity release in clear, straight-forward terms, ensuring that you understand all of the features and risks associated with these plans.  We give you advice on whether equity release is right for you and which plan would be most suitable for your needs, helping you to understand both the benefits and drawbacks to enable you to make a fully informed decision.

A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.

There will be a fee for mortgage advice.  The precise amount will depend upon your circumstances, and will be between £495 and £1,000.  The fee for a standard mortgage case would typically be £495, and for more complex cases, such as borrowers with adverse credit history, portfolio landlords, or Lifetime Mortgages we charge an increased fee typically £1000.


Contact us today for expert, jargon-free advice on what's right for you and your requirements.