Patrick Smith - Mortgage Adviser

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Patrick Smith - Mortgage Adviser

Providing expert mortgage advice. Whatever your circumstance I could help.

Hi my name is Patrick, I am a mortgage adviser here at mortgage experience with over 10yrs working in the financial services and banking industry. My number one goal is to give my clients the best possible experience throughout their mortgage and home buying journey by providing excellent customer service. I am passionate about finding the best deals for my clients from helping clients buy their f

irst home locally to purchasing holiday lets in the Scottish highlands and clients who have been declined by mainstream banks due to adverse credit. Areas of Expertise
Residential purchase
Residential Remortgage
Moving Home
Self employed
Adverse Credit
Buy to let
Holiday lets

29/07/2025

Ever wondered what would happen if you suddenly couldn’t work due to illness or injury? 👀

Most of us rely on our income to cover everything from rent or mortgage payments to everyday essentials. But what if that income stopped?

That’s where income protection comes in. It’s designed to provide you with a regular income if you’re unable to work, giving you the breathing space to recover without worrying about how you’ll pay the bills.

It’s more affordable than you might think and tailored to suit your job, budget, and lifestyle.

📩 Drop us a message if you want to chat about how income protection works and whether it’s right for you.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

24/07/2025

📈 Hope for the housing market!

Mortgage approvals rose in May for the first time in 4 months — up 3.9% from April and 2.5% higher than May 2024, according to the Bank of England.

Experts say it’s a sign of growing lender confidence and stronger buyer activity, especially among first-time buyers and families. 🏡

With fixed rates stabilising and more viewings reported, could this be the turning point buyers have been waiting for?

🔗 https://www.estateagenttoday.co.uk/breaking-news/2025/07/hope-for-housing-market-as-mortgage-approvals-rise/

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

17/07/2025

For life’s tough times, having the right insurance in place can make all the difference 🛡

Whether it’s illness, injury, or something unexpected, the right cover provides financial security and peace of mind when you and your family need it most.

It’s not just about money — it’s about protecting the life you’ve built.

Let’s talk about the options that fit your lifestyle, your priorities, and your future.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

10/07/2025

Buying is now cheaper than renting!

Buying vs Renting: The Tide Is Turning

New research from Zoopla shows that first-time buyer mortgage payments are now 20% cheaper than renting across Great Britain — with some regions like Glasgow and Newcastle seeing savings of over 30%! 🏡

https://www.zoopla.co.uk/press/releases/buying-beats-renting-first-time-buyer-mortgage-repayments-20-per-cent-lower/

While deposits and affordability check still pose a challenge, it’s clear that buying is becoming a smarter long-term financial move for many.

Thinking about making the move from renting to owning? We’re here to guide you through it — stress-free and fully supported 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

08/07/2025

You find the perfect home, and we’ll take care of the rest! 🏡

From mortgage advice to application and approval, we make the entire process simple and stress-free. No jargon, no hassle—just expert support every step of the way.

Ready to make your homeownership dreams a reality?

Let’s get started today! 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

03/07/2025

Who relies on your income? 👨‍👩‍👧‍👦💷

If illness or injury stopped you from working, how would you manage the bills, mortgage, or daily expenses?

Income Protection is designed to give you financial breathing space when life throws the unexpected your way.

Whether you're self-employed, a parent, or the main household earner—this cover could make all the difference.

📲 Let’s chat about protecting what matters most.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

01/07/2025

🏡 We make mortgages easy — so you don’t have to worry.

Whether you're buying your first home, moving to your next, or looking to remortgage, we're here to simplify the process and guide you with expert, whole-of-market advice tailored to your needs.

✅ Clear, jargon-free guidance
✅ Flexible appointments, including evenings and weekends
✅ Support from application to completion — and beyond

We take the stress out of getting a mortgage, so you can focus on what really matters: your home.

📞 Ready to get started? Get in touch today!

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

26/06/2025

Is Private Medical Insurance Worth It? 🤔

It’s not just about coverage—it’s an investment in your health and peace of mind.

Here’s how PMI stacks up against the NHS:
🏥 Quicker Access: Skip long waiting lists and get treated sooner, so you can focus on recovery instead of waiting.
🔍 More Choice: Access a wider range of specialists, treatments, and private facilities tailored to your needs.
💡 Personalised Care: With PMI, you get a more tailored healthcare experience with more flexibility and privacy.
⏱ Less Waiting Time: No more waiting weeks or months for appointments—get the care you need when you need it.

While the NHS offers fantastic care, PMI provides extra peace of mind with faster, more flexible healthcare options.

Is it time to make the switch?

Let’s talk about your options! 💬👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

24/06/2025

If your partner has a less-than-ideal credit history, it doesn’t have to prevent you from securing a mortgage 👀🏡

There are tailored solutions available, including applications in sole names or specialist lenders for joint applications designed to accommodate a range of credit profiles.

With the right advice and support, your home ownership goals remain achievable.

If you’d like guidance on navigating this, we’re here to help, simply get in touch using the details below 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

19/06/2025

The Bank of England has announced that the base rate remains at 4.25%.

If your fixed rate is not due to end within the next 6 months, this change won't affect you until your fixed period comes to an end.

However, if your current rate is due to end within the next 6 months, it's important to get in touch with a member of the team as soon as possible.

If you'd like to discuss your options, simply contact the team using any of the methods below 👇

Source: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

Address

Hartley
Longfield

Telephone

+447770745312

Website

http://momentum.mortgage/

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