Smart Money Loans

Smart Money Loans is a specialized finance broker, offering B2B loans under four key categories including second charged loans, Buy to Let loans, bridging finance and specialist 1st charge packaging.


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Lending Expert


This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£10,000 - £1,000,000

Representative APRC

Loan Term
3 - 35 years

Loan Type
& Buy to Let

Homeowners Only
Max LTV 100%

Rated 5.0/ 5

All credit types

Our award winning broker of the year have made it to the top of our list as our No 1 recommended provider for homeowner and buy to let loans. They are independent and have access to the major lenders in the market.

Representative Example

How would you rate this provider?

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About Smart Money Loans

About Smart Money Loans

About Smart Money Loans

Smart Money Loans works with mortgage providers, financial introducers and IFAs, which lets it bring the best financing deals for the customers. Solely targeting the business to business loans, Smart Money has earned 100% five-star reviews on different review sites and platforms and their expertise in second charge loans has been well-recognized within the industry.

Smart Money Loans also caters the businesses who have a bad credit score and are unable to apply for the loan at banks and typical financial institutions or have already been turned down. The loans offered by Smart Money Loans range from £10,000 – £2,500,000 (second charge loans), £10,000 – £1,000,000 (buy to let charge), £10,000 – £200,000 and £26,000 – £5m (bridging finance) with variable APR based on the case and the type of B2B loan requested. The repayment tenure is vast; from 3 to 30 years, giving customers immense flexibility for repayments.

The Core Features of Smart Money Loans

  • CCJ’s, mortgage arrears accepted and even ignored if over 12 months.
  • Borrowing ranges from £10,000 – £2,500,000 (second charge loans), £10,000 – £1,000,000 (buy to let charge), £10,000 – £200,000 and £26,000 – £5m (bridging finance)
  • Fast application processing
  • Direct access to your dedicated underwriter – cradle-to-grave.
  • Flexible loans repayment terms, from 3 to 30 years
  • Prompt customer service
  • Works closely with best mortgage providers, financial introducers and IFAs
  • How does it work?

Smart Money Loans is a B2B financial broker. Customers can apply on Smart Money Loans’ website by filling a form. They can get an instant quote within 30 minutes of submitting their application. Usually, the company approves the loan application within an hour, on average, while the average turnaround time for the entire process is 5-6 business days.

The company offers a secured loan is a loan that is secured by way of second charge on a residential property. 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 offered by Smart Money is a good choice. Smart Money, in partnership with PMJ Capital, provides its introducers with access to its exclusive bridging finance product. PMJ Capital is a principal bridging lender specialising in providing bridging & development finance on a 1st charge basis.

Though Smart Money does not offer mortgage advice, their expertise in processing secured enquiries on behalf of its introducer network persuaded Together, Masthaven & Norton Finance to offer the opportunity to include a 1st Charge Packaging facility on their niche products.

The Final advice

With close and strong relationships with both lenders and partners, Smart Money is highly regarded by B2B finance seekers across various industries. Smart Money is known for processing loans quickly using these strengthened relationships as their advantage. With this, they bring peace of mind for all involved, making secured loans and lending a much smoother process. For improved customer service, Smart Money stays flexible, offering both advice or packager-only options based on what the customer or partner requires.