ABOUT
With several years experience, Smart Step Mortgage Services is proud to offer bespoke mortgage and protection advice. We understand how stressful the process of buying a house can be which is why we take the time to ensure our clients are at the forefront of what we do.
From the initial meeting to collecting the keys, we will guide and support you through the process and are on hand when most bank and building societies are closed.
With weekly updates, we will endeavour to keep you one step ahead of the property purchase process giving you the freedom to focus on what matters…. your new home.
If you’re fortunate enough to already have a mortgage, we can review this for you and where applicable, make alternative suggestions to ensure you’re getting the right deal.
We understand people work very hard to find and secure their home which is why we can also advise on protecting the things that matter, you, your family, your income and your home.
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First Time Buyer
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Jargon-free advice on buying your first home. We'll go through a step by step process of the purchase.
Help to Buy & Shared Ownership
Equity Loan or Shared Ownership? Dependent on your personal circumstances, we can discuss the current schemes available.
Residential Purchase
& Remortgage
Whether you're moving home or staying put, we can guide you through the right options suited to your circumstances.
Adverse Lending
We work with specialist lenders who are happy to consider applications from applicants with Adverse (Bad) Credit.
Buy to Let
Let us talk through your current or future Buy to Let plans including Limited Company options.
New Build
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Knowing which lenders work well to meet strict deadlines, it's always good to be prepared for your New Build purchase.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
You may have to pay an ERC to your current lender if you remortgage.
Protection and Insurance Advice
Life Assurance
There are many different types of life insurance but most commonly this plan is designed to pay out a lump sum in the event of death, during the term, of the insured party to a specific beneficiary.
Critical Illness Cover
Similar to that of a life insurance policy a Critical illness insurance pays out a lump sum if you are diagnosed with one of the specified illnesses within the policy document.
Income Protection Benefit
The cover is designed to replace a percentage of your income for a period if you were unable to work long term in the event of illness or injury.
Buildings and Contents Insurance
There are typically three ways to set up these policies; buildings only, contents only or a combined policy depending on your needs. (Landlord options available)
Accident, Sickness & Unemployment
Similar to that of income protection, this can protect a portion of your income between 12-24 months depending on the cover, if you were unable to work through illness or injury with the added benefit of unemployment cover (redundancy through no fault of your own).
Accident & Injury Cover
A policy to designed to pay out a lump sum, dependent on cover amount, if you were to break a bone as a result of an accident or injury. This policy includes hospitalisation cover.
As with all insurance policies, conditions and exclusions will apply.
