About Smaart Associates

At Smaart we are passionate about providing the highest level of customer service. Our advice and application service is available to you without a broker fee as we get paid by the lender who provides your mortgage finance.

Our core values:

Our background

Smaart Associates was established to provide clients within the UK with professional mortgage services. Our aim has always been to make arranging a mortgage easy by providing sensible mortgage advice and an excellent level of customer service.

Our loyal customers

We believe that we provide one of the best mortgage services in the UK, as do many of our customers who not only return to us time and time again but who also recommend us on a regular basis.

What should you expect?

Whether you contact us by phone or via our web service you will receive the same high level of service. From day one you will have your own dedicated adviser assisting you with each stage of the mortgage or remortgage process.

When you first contact us we will discuss your requirements and make a recommendation to suit your personal situation. When presenting your recommendation we will provide you with all the information you need to make a decision about your mortgage. When you are ready to apply for your mortgage we will assist you with the application and deal with the mortgage lender on your behalf during the application process.

Which lenders do we use?

We are not restricted by the number or type of mortgage company we can recommend. As a whole of market mortgage broker we work hard to find the best mortgage scheme available from the whole mortgage market.

Will I receive impartial advice?

In a word YES, we work for you not the lender. We will only recommend a mortgage or remortgage if that is the best option for you. Our job is to find you the best mortgage or remortgage deal and the reason for our recommendation will be confirmed in writing to you.

Do I need to arrange a meeting?

We primarily offer a telephone based advice service, this means a face to face meeting is not necessary. We confirm our advice in writting and the whole application can be completed on an electronic or postal basis. If you prefer to arrange a meeting we can arrange a meeting at our head office in Guildford.

What happens after I have applied?

Once we receive your documents we will submit your application to your chosen lender. Your mortgage adviser will keep you updated with the progress of your application, whilst aiming to obtain your Mortgage Offer as quickly as possible.

Why Smaart Associates?

You will find the adviser's at Smaart to be professional and friendly and importantly you will never be put under any pressure to complete business with us before you are ready. We are often able to offer mortgage products simply unavailable directly through other brokers and the lenders directly. Treating our custmers fairly is of the upmost importance (Treating our Customers Fairly PDF).

How are we paid

Smaart Associates is well known for being a non fee charging mortgage broker. As a mortgage broker we receive a fee from lenders with whom we place mortgage business. Where a mortgage lender is paying us a fee we will make no charge directly to you for arranging your mortgage.