Mortgage & Protection Services
Helping you make confident decisions, whether you’re buying, moving, investing or planning ahead.
Buying Your First Home Should Feel Exciting, Not Overwhelming
If you’re feeling unsure about how to get a mortgage, how much you can borrow or where to begin, you’re not alone. As a first-time buyer, it’s easy to get caught up in confusing advice or impersonal online tools.
I’m Ian Smith, a qualified mortgage and protection advisor with more than 25 years of experience. I work with first-time buyers across Essex, offering practical, one-to-one support that keeps things simple.
Mortgage Services I Offer
Each link below leads to a dedicated page with full details.
First-Time Buyer Mortgages
Clear advice and full support for first-time buyers getting on the ladder.
Buying a New Home
Support for second-time buyers, return buyers, or anyone ready to purchase their next home.
Home Mover Mortgages
Straightforward guidance for buyers selling one property and buying another.
Re-Mortgages
Explore better rates, release equity or change your mortgage to fit your plans.
Product Transfer Mortgages
Save time with a product transfer mortgage.
Bad Credit Mortgage
Clear, practical, non-judgemental mortgage advice for those with credit problems.
Buy to Let Mortgages
Whole of market options for new and experienced landlords across the UK.
Portfolio Landlord
Clear mortgage help for landlords with several buy-to-let properties who want their portfolio to work properly, not just tick along.
Bridging Finance
Short-term property finance for purchases, auction deals, renovations, chain breaks and other time-sensitive situations.
Equity Release & Lifetime Mortgages
Advice on releasing equity from your home in later life, including lifetime mortgage options.
Life Assurance and Family Protection
Help with protecting your mortgage, income and loved ones from the unexpected.
Critical Illness Cover
Taking out a mortgage? You may not always need a critical illness cover policy, but it is certainly advisable to have one.
Income Protection Insurance
Practical cover to protect your income and keep money coming in if you cannot work.
Business Protection Insurance
Helps your company stay operational when something unexpected happens
Secured Loans
(page coming soon)
Borrow against your home without changing your mortgage. Suitable for homeowners with specific needs.
Based in Essex, Supporting Clients Across the UK
I’m based in Essex and work with clients locally and nationwide. Appointments are available by phone or video, so wherever you are, expert advice is just a call away.
Let’s Talk About What You Need
Whether you know exactly what you’re looking for or just want to explore your options, I’d be happy to help. Book a quick call or ring me directly on 01708 535 946.