Business Details
26 Years
experience
Expert Mortgage Brokers in Cornwall
Square Mile Mortgage Finance is a family-run mortgage brokerage established in 2000, relaunched in 2018 by Steve Smith and his son George. Our expertise spans residential purchases, remortgages, and complex mortgage solutions, built on over 30 years of combined industry experience. We prioritise personal relationships, ensuring clients receive tailored advice and access to a wide range of lenders. Our father-and-son leadership combines professionalism with a commitment to simplifying the mortgage process. We serve first-time buyers, home movers, and property investors, offering support from initial consultation to completion.Our partnerships with regulated financial experts enable comprehensive advice on taxation and legal implications. With a focus on transparency, we provide clear fee structures, including a typical 495 advisory fee. Our track record includes successful second-charge mortgages and bridging finance solutions for long-term clients. We operate under the Financial Conduct Authority's regulatory framework, ensuring compliance and client protection. Client testimonials highlight our reliability, proactive approach, and ability to secure competitive deals consistently.
Services
Residential Mortgages
Second Charge Lending
Bridging Finance
Remortgage Solutions
Property Investment Advice
Details
- Year established: 2000
Highlights and features
- We offer 30+ years of combined mortgage industry expertise.
- Our family-run business prioritises long-term client relationships.
- We provide access to a wide range of lenders and products.
- Our process simplifies complex mortgage applications efficiently.
- We deliver transparent fee structures with no hidden costs.
Associations and certifications
- Financial Conduct Authority
What people say
Brilliant mortgage broker
Best deals secured
Proactive approach
Competitive rates
Painless process
Services
Residential Mortgages
We specialise in residential mortgage solutions for first-time buyers, home movers, and property investors. Our expertise ensures competitive rates and tailored advice throughout the application process. With access to multiple lenders, we secure deals aligned with individual financial circumstances.
Second Charge Lending
Our second charge lending provides additional funds secured against property equity. Designed for complex financial needs, this service offers flexible terms while maintaining existing mortgage arrangements. Clients benefit from our partnerships with specialist lenders in this niche market.
Bridging Finance
Bridging finance solutions facilitate property transactions requiring quick funding. We connect clients with lenders offering rapid approvals for purchases, renovations, or auction bids. Our process ensures clarity on terms and repayment strategies for time-sensitive deals.
Remortgage Solutions
We help clients optimise their mortgage arrangements through remortgaging. Services include rate transfers, equity release, and debt consolidation. Our approach balances market knowledge with individual financial goals to maximise savings or investment opportunities.
Property Investment Advice
Tailored advice for property investors covers portfolio growth, tax-efficient structures, and lender selection. We navigate buy-to-let regulations and market trends to support both novice and experienced landlords in achieving sustainable returns.
People
Steve Smith
Director
Co-founder with 30+ years in mortgage finance, Steve established SMMF in 2000. His expertise in residential lending and client relationships drives the company's strategic direction and service ethos.
George Smith
Co-Director
Joined SMMF in 2018, bringing modern financial technology insights. George focuses on digital mortgage processes and expanding client accessibility while maintaining personal service standards.
Questions
What mortgage types do you specialise in?
We focus on residential mortgages, remortgages, second charge lending, bridging finance, and property investment advice. Commercial and later-life lending referrals go to regulated partners.
How are your fees structured?
Our typical mortgage advice fee is £495, capped at 1% of the loan amount. We agree exact costs after your initial consultation to ensure transparency.
Do you work with first-time buyers?
Yes, we guide first-time buyers through the entire process, offering tailored advice on government schemes, deposit requirements, and competitive lender deals.
Are you regulated by the FCA?
Square Mile Mortgage Finance is an appointed representative of The Right Mortgage Limited, authorised and regulated by the Financial Conduct Authority (FCA).
How do you handle complex cases?
Our team specialises in intricate cases, leveraging lender relationships and market knowledge to structure solutions for adverse credit, self-employed applicants, and unique property types.
What areas do you cover?
While based in Cornwall, we serve clients nationwide, including Surrey, London, and key UK property markets, with remote consultations available for all locations.
