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SM FINANCE LOUNGE \u00b7 AWARD-WINNING MORTGAGE BROKER<\/p>\n

Mortgages for real life.<\/h1>\n

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

\nBook a Free Consultation<\/a>
\nExplore Our Services<\/a>\n<\/div>\n

A conversation about your options, with no obligation to proceed.<\/p>\n

\u2605\u2605\u2605\u2605\u2605<\/span> 5.0 from 120+ Google reviews \u00b7 FCA authorised \u00b7 Award-winning team \u00b7 English, Lithuanian & Russian<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/smfinancelounge.co.uk\/wp-content\/uploads\/2026\/11\/Dizainas-be-pavadinimo-3.png” alt=”SM Finance Lounge mortgage broker team” title_text=”SM Finance Lounge team” align=”center” _builder_version=”4.27.9″ _module_preset=”default” max_height=”560px” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”services” _builder_version=”4.27.9″ _module_preset=”default” background_color=”#e8f1ed” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Whatever your next move, we’re here to help.<\/h2>\n

From your first set of keys to your next investment, our advisers help you explore your options with confidence.<\/p>\n

\nFirst-time buyers<\/strong>Buying your first home? We’ll guide you through every step.<\/a>
\nHome movers & remortgages<\/strong>Moving home, or is your fixed rate ending soon?<\/a>
\nBuy to let<\/strong>Personal or limited company, first property or growing portfolio.<\/a>
\nDirectors, self-employed & CIS<\/strong>Your income may be complex. Your mortgage advice shouldn’t be.<\/a>
\nSpecialist & commercial<\/strong>Bridging, commercial mortgages and business finance.<\/a>
\nProtection & insurance<\/strong>Protect your family, your home and your income.<\/a>\n<\/div>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#FFFFFF” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

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WHY SM FINANCE LOUNGE<\/p>\n

Not every mortgage fits a box. Neither do you.<\/h2>\n

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?<\/p>\n

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.<\/p>\n

Honest advice, in your language:<\/strong> English, Lithuanian and Russian.<\/p>\n

Let’s talk about your options<\/a><\/p>\n<\/div>\n

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A REAL CLIENT STORY<\/p>\n

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.<\/p>\n

Limited company director<\/p>\n

Every case is different. Mortgages are subject to lender criteria and affordability.<\/p>\n<\/div>\n<\/div>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#e8f1ed” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

HOW IT WORKS<\/p>\n

Working with a mortgage broker is easier than you think.<\/h2>\n
\n
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1<\/p>\n

Book a free consultation<\/strong>
\nChoose a time that suits you to talk about your plans. No obligation to proceed.\n<\/div>\n

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2<\/p>\n

Explore your options<\/strong>
\nWe look at your circumstances, compare lenders and explain what’s possible, including your Agreement in Principle.\n<\/div>\n

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3<\/p>\n

Move forward with confidence<\/strong>
\nIf you go ahead, we handle the application and keep you updated, from mortgage offer to completion.\n<\/div>\n<\/div>\n

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CLIENT REVIEWS<\/p>\n

Real people. Real experiences.<\/h2>\n

\u2605\u2605\u2605\u2605\u2605<\/span> Rated 5.0 from 120+ Google reviews<\/p>\n

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