Carter Smith Property Finance

Carter Smith Property Finance: specialist property finance in the UK

Carter Smith Property Finance is a British financial advisory firm specialising in property finance. Its activity is aimed at investors, landlords and developers who need to structure purchase, refurbishment or development transactions, as well as commercial operators. The company presents itself as a UK mortgage broker and operates as an appointed representative of VIBE Finance Ltd, an entity authorised and regulated by the Financial Conduct Authority (FRN: 798033).

The service is built on the experience of its founder, Craig Smith, who has worked on both the lender and brokerage sides. His career includes roles at Shawbrook Bank, VIBE Finance and Allica Bank, which has given him an understanding of decision criteria and case structuring from both perspectives. The firm states that it has been recognised in the Bridging & Commercial Power List, a list that highlights professionals in the sector.

Finance services

The offering is organised into four main areas:

• Bridging finance: short-term funding for acquisition, refurbishment, development and time-sensitive purchases.
• Buy-to-let: support in structuring loans for portfolios and investment strategies.
• Commercial and semi-commercial finance: solutions aimed at business premises, mixed-use assets, trading businesses and commercial investment properties.
• Refurbishment and development finance: funding for light and heavy works, conversions and ground-up development projects.

Advisory approach

The company describes its method as clear, bespoke advice, with particular attention to transparency and precise structuring of each transaction. Among the features it highlights are deep knowledge of underwriting and credit, established relationships with lenders and support throughout every stage of the process. Its stated goal is for clients to obtain faster decisions, better terms and greater confidence in their investment moves.

Founder profile and editorial activity

Craig Smith founded the firm after five years of experience in the specialist property finance sector. In addition to his brokerage work, he has contributed as a writer to industry publications, including Bridging & Commercial, Property Time, The Property Chronicle and Business Magazine UAE.

Contact and consultation process

The firm handles enquiries related to specialist property finance. The first contact consists of a no-obligation introductory call of around 20 to 30 minutes, in which the client's strategy, funding options and next steps are assessed. It also offers a newsletter, Property Finance Briefing, with analysis on lender appetite, deal structures and funding considerations in the UK property market.

Carter Smith Property Finance Ltd is registered in England and Wales with number 16857614. Its registered office is at H4 Daedalus Park, Daedalus Drive, Lee-on-the-Solent, PO13 9FX. The company warns that it may receive commission from the lender for arranging the loan, an amount that is detailed upon receipt of the offer. It also reminds that your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

H4 Daedalus Park, Daedalus Drive, Lee-on-the-Solent, PO13 9FX · Phone: 01329 722484 · Email: info@cartersmithpropertyfinance.co.uk