What is Smart Money?

Smart Money are a specialist finance broker operating from offices in Cheshire. We work exclusively on behalf of our introducing partners to provide you with access to 4 key products:

Second Charge Loans

Also known as a secured loan is a loan that is secured by way of second charge on a residential property. The first mortgage stays in place and the equity between the value of a property and the outstanding mortgage balance can be used as security for a second charge.

Second charge loans are now aligned with first mortgages, which means that they are an advised sale and subject to the same regulations as any other regulated mortgage. At Smart Money we can offer our introducers the choice of either using a dedicated CeMAP qualified adviser to provide that advice, or you can refer an enquiry to us, provide the advice yourself and use our packaging service to access our lender products.


If you have clients who are landlords and need to raise additional finance on their BTL portfolio, a secured loan on their buy-to-let property could be the answer. There are now 2 classifications of a buy-to-let property:

  • Buy-to-let which is a property that was specifically purchased to let out.
  • Consumer buy-to-let (CBTL) which is a property that may have been previously occupied by the owner.

At Smart Money irrespective of the type of buy-to-let classification, we can help.

Bridging Finance

Smart Money, in partnership with PMJ Capital, provides our introducers with access to our exclusive bridging finance product, which is available across all areas of England, Scotland & Wales. PMJ Capital is a principal bridging lender specialising in providing bridging & development finance on a 1st charge basis and up to a max 70% LTV.

The key USP of our bridging arm is that decisions are made in-house and within an hour of receipt of an enquiry, so layers of credit committees providing obstacles to the decision-making process are effectively removed.

First Charge Loans

Although Smart Money does not offer any mortgage advice, our expertise in processing secured enquiries on behalf of our introducer network persuaded Together, Masthaven & Norton Finance to offer us the opportunity to include a 1st Charge Packaging facility on their niche products. These products are available to mortgage advisers with suitable permissions as the advice will be provided by the introducer.

For further information on becoming an introducer with Smart Money or to discuss a potential enquiry for any of the above products please call our CeMAP qualified advisers today:

  • Telephone:
    01829 730 554