Smile Finance Limited

Smile Finance Limited, mortgage brokerage in London

Smile Finance Limited operates as a mortgage and protection brokerage based in London. The firm presents itself as a specialist in first-time buyer, remortgage, buy-to-let, limited company purchase, Right to Buy and complex cases. Its activity is carried out under the trading name Smile Finance, used by Capital Finance Brokers Limited, an entity authorised and regulated by the Financial Conduct Authority (FCA) with registration number 943805.

Client profiles and mortgage types

The brokerage structures its advice according to each client's situation. Among the profiles it serves are those buying their first home, those remortgaging to seek better terms or release equity, investors acquiring properties to rent out and homeowners buying through a limited company. It also works with buyers under the Right to Buy scheme and with applicants facing more delicate financial circumstances.

The website also details other routes to homeownership, such as the First Homes scheme and shared ownership, as well as mortgage options for foreign buyers.

Adverse credit and income verification

One of the firm's stated focus areas is mortgages for people with a problematic credit history. The company states that it helps those with defaults, county court judgments (CCJs) or previous missed payments. It also handles cases where income verification is complex, such as self-employed workers or applicants with non-traditional income.

Protection and insurance

Alongside mortgage advice, the brokerage offers protection products: life insurance, critical illness cover, income protection, accident and sickness cover, and home insurance. The company states that it works with a panel of recognised insurers to tailor options to each need.

Complementary services

The website's offering also includes conveyancing services, that is, the legal management associated with the transfer of real estate property, and access to credit reports. The firm describes its working method as support that covers everything from application to moving day, handling dealings with lenders and insurers on the client's behalf.

Corporate structure and registration

Smile Finance Limited is registered in England and Wales with number 16102809 and registered office at 128 City Road, London, Islington, EC1V 2NX. It has a registration number with the Information Commissioner's Office (ICO) ZB821665. The trading name Smile Finance corresponds to Capital Finance Brokers Limited, whose registered office is at 81 Rivington Street, London, EC2A 3AY. The information on the website is intended exclusively for UK residents and some forms of buy-to-let mortgage are not regulated by the FCA.

Offices and premises

Main office: 128 City Road, London, Islington, EC1V 2NX

Capital Finance Brokers Limited office: 81 Rivington Street, London, EC2A 3AY