SM FINANCE LOUNGE · AWARD-WINNING MORTGAGE BROKER

Mortgages for real life.

First homes. Growing families. Self-employed income. Complicated circumstances. Whatever your story, we’ll help you explore the mortgage options that work for you.

Book a Free Consultation
Explore Our Services

A conversation about your options, with no obligation to proceed.

★★★★★ 5.0 from 120+ Google reviews · FCA authorised · Award-winning team · English, Lithuanian & Russian

Whatever your next move, we’re here to help.

From your first set of keys to your next investment, our advisers help you explore your options with confidence.

First-time buyersBuying your first home? We’ll guide you through every step.
Home movers & remortgagesMoving home, or is your fixed rate ending soon?
Buy to letPersonal or limited company, first property or growing portfolio.
Directors, self-employed & CISYour income may be complex. Your mortgage advice shouldn’t be.
Specialist & commercialBridging, commercial mortgages and business finance.
Protection & insuranceProtect your family, your home and your income.

WHY SM FINANCE LOUNGE

Not every mortgage fits a box. Neither do you.

Company director paying yourself low dividends? CIS contractor whose tax return doesn’t reflect what you really earn? Self-employed with less than two years’ accounts? Turned away by your bank or another broker?

This is where a specialist mortgage broker makes the difference, and where we do our best work. We know how different lenders assess complex income, and we take the time to present your case properly, with high street and specialist lenders.

Honest advice, in your language: English, Lithuanian and Russian.

Let’s talk about your options

A REAL CLIENT STORY

A company director was turned away by several brokers because he paid himself low dividends, and was told to come back once he’d drawn more. We found a lender that assessed his share of the company’s net profit instead, and he bought his home without waiting.

Limited company director

Every case is different. Mortgages are subject to lender criteria and affordability.

HOW IT WORKS

Working with a mortgage broker is easier than you think.

1

Book a free consultation
Choose a time that suits you to talk about your plans. No obligation to proceed.

2

Explore your options
We look at your circumstances, compare lenders and explain what’s possible, including your Agreement in Principle.

3

Move forward with confidence
If you go ahead, we handle the application and keep you updated, from mortgage offer to completion.

CLIENT REVIEWS

Real people. Real experiences.

★★★★★ Rated 5.0 from 120+ Google reviews

    
 
 
       Posted on Google  
   
   Ranko Salih 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Simona and Sm finance and definitely recommend them to anyone.

My purchase was a complicated purchase because I am buying my high rise council flat. Unfortunately lenders didn’t interest to lend me in this specific purchase! but it was a  great experience with Simona and SM finance , she didn’t leave me alone in the middle of the way!

we had to try different banks and different ways thankfully we managed to borrow the money we needed ,hopefully in the next 3 months will be sorted.
  
 
      Posted on Google  
   
   Ras Be 
 
 
 
 Trustindex verifies that the original source of the review is Google. Simona from SM Finance Lounge was absolutely amazing! She was quick, professional and always happy to help, replying to my messages even outside working hours. I truly appreciated her dedication and support throughout the whole process. I couldn’t have asked for a better experience. I will definitely be coming back and recommending her to my friends and family. Highly recommend!
Thank you Simona xx
  
 
      Posted on Google  
   
   Sigita Jakstiene 
 
 
 
 Trustindex verifies that the original source of the review is Google. It has been an absolute pleasure working with you, and I would like to extend my sincere thanks to the entire team.

At the beginning of the process, I was concerned that it might be challenging.However, with Viktorija and Simona’s support, everything went smoothly, and I always felt reassured knowing that I was in such capable hands.

Thank you very much for all your help and support!xx
  
 
      Posted on Google  
   
   Edvinas Jackauskas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Professionals work, quick responses, very good experience.
Thank you Simona
Edvinas

Owner's reply
Thank you so much, Edvinas! It was a pleasure helping you. I really appreciate your trust, your kind words and taking the time to leave such a lovely review. Wishing you all the very best! 😊
  
 
      Posted on Google  
   
   Lina Radzvilaite 
 
 
 
 Trustindex verifies that the original source of the review is Google. Galina was very professional and made our complicated mortgage process much easier. We truly appreciate her support and highly recommend her services.

Owner's reply
Thank you so much, Lina, for your lovely review! We’re delighted to hear that Galina made the mortgage process feel easier, especially with a more complicated case. We really appreciate your trust, recommendation and kind words. ❤️
  
 
      Posted on Google  
   
   Mantas Kutkaitis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Superb broker! Very helpful. Simona answered a million of my questions and explained everything clearly what I did not understand. Thank you! Highly recommended! 👌
  
 
      Posted on Google  
   
   Laurynas Buzas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely fantastic service from SM Finances! Well organised from start to finish, and they really go the extra mile to understand your property needs. They guided me clearly through every step of what I needed to do in order to be accepted for a mortgage—which took so much stress out of the process. Great communication and genuine care throughout. Highly recommended

Owner's reply
Thank you so much, Laurynas, for such a lovely review! We’re really pleased we could make the mortgage process clear and take some of the stress away. It was a pleasure helping you throughout your journey, and we really appreciate you trusting SM Finance Lounge with your mortgage. Wishing you all the best in your new home! 🏡
  
 
  
  
 
 
     Verified by Trustindex  Trustindex verified that these reviews were published on SM Finance Lounge's Google Business Profile. Learn more