Simona Mortgage Broker

Directions Website Contact the business

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.

All documentation received from SM Finance Lounge will bear the SM Finance Lounge LTD name. Please note that SM Finance Lounge is a trading of SM Finance Lounge LTD,
their Privacy Notice can be viewed by visiting the SM Finance Lounge LTD website and reviewing the
Privacy Notice in the website footer.

19/10/2026

Vibes after weekend calls from clients 🤣 sometimes I feel that people think we are open 24/7 whole 365 days a year 🤣🤣

16/10/2026

Money edition with the kids 😂
Would you rather...
£50k cash OR your house deposit paid for?
A bigger house OR no mortgage?
£500 every month forever OR £100k today?
Live at home until 25 and save loads OR move out at 18 and struggle?
One investment property OR your dream car?
I actually think these questions tell you quite a lot about how someone thinks about money.
And apparently my children already have very strong views 😂
Your turn:
£500 a month forever or £100,000 today?
I want to see which one wins.

Nothing makes us happier than hearing that our clients felt supported, informed and in safe hands throughout their mortg...
14/10/2026

Nothing makes us happier than hearing that our clients felt supported, informed and in safe hands throughout their mortgage journey. 🤍
Buying a home or arranging a mortgage can feel overwhelming, but our job is to make the process as clear, smooth and stress-free as possible.
Thank you to every client who takes the time to leave us a review. Your feedback genuinely means a lot to our whole team.
⭐️⭐️⭐️⭐️⭐️
Need help with your mortgage?
Send us a message or book a consultation via the link in our bio.

13/10/2026

Why are so many property investors looking North?
One obvious reason:
Your money can often stretch further.
Lower purchase prices can mean a smaller entry point.
And where rental demand is strong, the relationship between purchase price and achievable rent can make the numbers look more attractive than in some higher-priced areas.
Recent ONS data also show why parts of the North are getting attention. In the 12 months to August 2026, the North East and North West both recorded 5.8% annual private-rent inflation, the highest among English regions.
But here’s the bit Instagram often skips:
“Buy up North” is NOT an investment strategy.
A £120k property can still be a terrible deal.
Before getting excited about the price, I’d want to know:
Actual achievable rent.
Tenant demand.
Condition.
Service charges.
Finance costs.
Running costs.
And your exit strategy.
Because ultimately:
The postcode doesn’t make the deal.
The numbers do.

12/10/2026

This might sound strange coming from a mortgage broker:
I don’t think you should always borrow the maximum a lender will give you.
A lender is assessing whether you fit its affordability model.
It isn’t deciding:
Can you still travel?
Can you keep saving?
Can you deal with a £3,000 surprise bill?
Will you still have breathing room if your circumstances change?
Can you actually enjoy your life after the mortgage payment goes out?
There’s a big difference between:
“The bank says I can borrow this.”
and
“I’m comfortable borrowing this.”
Sometimes those numbers will be close.
Sometimes they absolutely shouldn’t be.
Your maximum mortgage and your comfortable mortgage are not the same number.

09/10/2026

Apparently I’ve spent enough time talking about mortgages at home that my kids now have opinions too 😂
So I gave them some very adult money decisions and asked:
SMART or STUPID?
Car finance just before a mortgage application?
Using every penny of your savings as your deposit?
Overpaying your mortgage?
Choosing purely by the lowest rate?
Buying the maximum house the bank says you can afford?
And yes, some of their answers surprised me 😂
Obviously real financial decisions aren’t always simply smart or stupid. Circumstances matter.
But I want to know:
Which one would YOU disagree with them on?

08/10/2026

If my kids are working and still living at home at 18, I actually like the idea of charging them rent.
But I wouldn’t necessarily spend it.
I’d want the money to become part of the bigger plan to help them eventually stand on their own feet.
Before 18, parents can consider regularly saving for their children. A Junior ISA currently allows up to £9,000 in the 2026/27 tax year, although the money belongs to the child and normally becomes accessible to them at 18.
From 18, an eligible young person can open their own Lifetime ISA.
Under current rules they can contribute up to £4,000 a year, with the government adding a 25% bonus, up to £1,000 per year.
So imagine they pay you £300 a month “rent”.
That’s £3,600 a year.
You could choose to gift that money back to them so they can contribute it towards their own savings or LISA.
They learn that housing costs money.
Meanwhile, you’re helping them build towards independence.
There are important LISA rules, including first-home criteria, a £450,000 property limit under current rules and a requirement for the account to have been funded for at least 12 months before a qualifying first-home purchase.
Give them a head start, not necessarily a free ride.
Would you charge your adult child rent if you knew you were secretly putting it aside for them?

07/10/2026

Want to offer £20,000 under asking price?
Fine.
But why £20,000?
“Because it feels overpriced” isn’t much of a negotiation strategy.
Before our clients negotiate on a property, we can prepare a Sprift report which gives them far more information than they’ll normally see on the listing.
Recent sold prices.
Comparable properties.
Property history.
Local market information.
And a lot more detail about the home they’re considering.
So instead of randomly deciding:
“Let’s try £20k under.”
You can start understanding whether the asking price actually stacks up.
And when you arrange your mortgage through us, we can provide these reports at no extra cost.
Because getting the mortgage is only one part of buying well.
Don’t negotiate blind.

06/10/2026

One of the biggest renovation myths:
“I spent £20k, so my house must be worth £20k more.”
Not necessarily.
Things that can fundamentally improve a property, like an additional bedroom, better layout or the right extra bathroom, may affect how buyers and valuers see it.
But a £25k designer kitchen?
Beautiful lighting?
Wall panelling?
Premium finishes?
They might make your home far nicer to live in and easier to sell, but that doesn’t mean you’ll get every pound back in the valuation.
And there’s another problem:
Your street still has a ceiling.
If similar properties around you sell for £450k, throwing another £50k at finishes doesn’t automatically create a £500k house.
So before renovating, decide what you’re actually buying:
More property value?
Better saleability?
Or simply a home you love more?
All three are valid.
They’re just not the same thing.

MortgageBroker

05/10/2026

Your pension might not sit outside your estate forever.
From 6 April 2027, most unused pension funds and pension death benefits will be brought into the value of an estate for Inheritance Tax purposes.
That does not mean every pension your children inherit will suddenly be taxed at 40%.
Whether any Inheritance Tax is actually due will depend on the value of the whole estate, available allowances, exemptions and who inherits.
But if your wealth is spread across:
🏠 Property
💷 Savings
📈 Investments
🪙 Pensions..this change could make a significant difference to estate planning.
HMRC still expects most estates to have no Inheritance Tax liability, but thousands more estates are expected to be brought into the IHT net or pay more once pensions are included.
If your pension forms a big part of what you plan to leave your family, this is one change worth knowing about before 2027.

General information only, not tax or financial advice.
UKProperty

Address

London

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 5pm
Saturday 9am - 3pm

Website

Alerts

Be the first to know and let us send you an email when Simona Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Simona Mortgage Broker:

Shortcuts

Share

Category