Simona Mortgage Broker

Simona Mortgage Broker From consultation to completion, all the help you need! SM Finance Lounge is a a trading style of SM Finance Lounge LTD.

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03/09/2026

I asked my kids what Mum should do MORE of… and LESS of 😂
I thought I was asking a cute little question.
Apparently they’ve been keeping notes. 👀
Nothing humbles you quite like your own children giving you a performance review.
Would you dare ask yours? 😂

02/09/2026

£70K income. £42K on paper. Which number does your lender see? 👀
If you’re a CIS worker, that difference can seriously affect how much you can borrow.
Some lenders can use recent CIS earnings.
Others may rely more heavily on your self-employed figures.
Same person. Different lender. Very different result.
So if you’ve been told:
“Your income isn’t enough.”
Don’t assume that’s the end of it.
You might not need to earn more.
You might just need the right lender.
📩 CIS worker? Get your case checked properly before ruling yourself out.

UKMortgage ConstructionUK

01/09/2026

£100,000 BUSINESS LOAN.
NO PROPERTY SECURITY.
Yes, it can be possible.
And your bank saying NO doesn’t always mean the answer is no.
For the right business, funding may be available for:
• Stock
• Equipment
• Refurbishment
• Expansion
• Cash flow
No property to secure it against?
That doesn’t automatically rule you out.
The lender will care about the business: turnover, trading history, profitability, credit profile and what the money is for.
Need capital to make your next move?

DM BUSINESS.

31/08/2026

Bank Holiday Monday 🇬🇧
Everyone else: OFF.
Me: “Just checking one email…”
3 mortgage cases, 14 WhatsApps and my morning gone 😂
Apparently the banks get a holiday. Mortgage brokers? Debatable.
Who else is “off” today? 👀

28/08/2026

Be honest… has ChatGPT ever confidently told you something completely wrong? 😂🤖
Or are you still in the “ChatGPT said it, so it must be true” phase? 👀
Because mortgage advice can get very interesting when the full story is:
£0 deposit
3 loans
2 recent unsatisfied defaults
…and the answer starts with:
“Absolutely! There may be options.” 😂
AI is useful. Very useful.
But it only knows what you tell it, and sometimes it can sound very confident while missing the bit that actually changes the answer.
So I want to know:
Do you trust ChatGPT 100%?
Or has it ever given you completely wrong information? 👇

27/08/2026

You made a mortgage payment… so why has your balance gone UP? 😳
This catches new homeowners out all the time.
Mortgage interest normally starts accruing from the day your mortgage completes, not from the date your first payment leaves your bank.
So depending on:
• which lender you're with
• what date you completed
• when that lender collects its first payment
• how that lender deals with the initial accrued interest
you can log into your mortgage account after completion and see a balance that looks higher than the amount you originally borrowed, sometimes even after you've made your first payment.
It doesn't mean something has gone wrong.
It can simply be the interest accrued between completion and your normal mortgage payment cycle being added to the account.
And this is also why your first mortgage payment can be different from the monthly payment shown on your mortgage illustration.
Every lender handles the timing slightly differently.
Welcome to homeownership 😂
Nobody warns you about the weird first mortgage payment.

26/08/2026

CIS worker? Your mortgage borrowing could change by tens of thousands depending on the lender.
One lender may assess you on £42k.
Another could potentially use £70k.
Same person. Same work. Very different result.
That’s because CIS income isn’t assessed the same way across the market. For eligible applicants, some lenders can use recent CIS earnings rather than relying only on tax-return profit.
So if you’ve been told you “don’t earn enough”, don’t assume that’s the final answer.
Sometimes the problem isn’t your income.
It’s the lender.
📩 DM me CIS if you want me to check your options.
Subject to lender criteria and individual circumstances.

25/08/2026

Plot twist: changing jobs does not automatically put your mortgage plans in mortgage jail for 3 months. 😂
New company?
Promotion?
Relocated?
Better role?
Some lenders may be happy to work from your signed employment contract before you’ve collected 3 months of payslips.
Now…
£10k last year → £70k this year because your mate Dave suddenly made you “Director of International Operations”? 👀
Yeah. They’re going to ask questions.
There’s a difference between changing jobs and changing your entire financial personality overnight.
So before you delay buying a house for 3 months because somebody told you “that’s the rule”…
Ask a broker.
Because quite often, it isn’t.

NewJob

24/08/2026

Same budget. Very different tax bill 👀
🇬🇧 England: an eligible first-time buyer purchasing a £300,000 main residence currently pays £0 Stamp Duty.
🇪🇸 Spain: buy a €300,000 new-build home and you're generally looking at 10% IVA = €30,000, before other purchase costs.
In the Valencian Community, AJD can also apply. The rate depends on the circumstances of the purchase, including whether the property qualifies as your habitual residence.
So no this isn't saying every £300k purchase in England costs £0 tax or every €300k purchase in Spain costs exactly €30k.
It's showing how dramatically different the starting point can be.

Would you have guessed the gap was this big?

21/08/2026

There’s always a “one more thing…” 😂
Mortgage brokers, you already know.
What’s the best “one more thing” a client has ever casually dropped into conversation? 👇

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