S&M Financial Services - Mortgage, Protection & Business loan Specialist

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S&M Financial Services - Mortgage, Protection & Business loan Specialist

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We help business and individuals secure finance needs across the UK

08/10/2026

🏡 More support for first-time buyers?

The Government has announced a number of proposed measures aimed at helping more people get onto the property ladder in 2026.

🔑 Your First Home – a proposed new scheme could allow eligible buyers to purchase with a 2.5% deposit, alongside a government-backed equity loan.

📈 95% mortgages are already available through the permanent Mortgage Guarantee Scheme for eligible borrowers.

🏠 Proposed changes could also make the home-buying process simpler and more accessible for some buyers.

📅 Important: Some of the details are still subject to confirmation, with further information expected in the October 2026 Budget.

Thinking about buying your first home?
Speak to S*M Financial Planning to understand your options.

📩 Get in touch today for a free, no-obligation consultation.

S*M Financial Planning Ltd
📞 01923 751215
✉️ [email protected]
🌐 smfinancialpln.co.uk
📍 223 St Albans Road, Watford, Hertfordshire, WD24 5BH

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

08/10/2026

🏠 WORKING IN THE UK? YOUR MORTGAGE OPTIONS MAY BE CLOSER THAN YOU THINK. 🇬🇧
Are you a Skilled Worker or a non-UK national living and working in the UK?
You may still be able to access mortgage options, even if you’re not a UK citizen.
At S*M Financial Planning Ltd, we can help you understand your options for:
🏡 First-time buyer mortgages
🔑 Home movers
💷 Remortgages
📈 Buy-to-Let
🌍 Mortgages for eligible visa holders
Your visa type, income, UK residency, deposit and individual circumstances can all affect the options available.
Don’t assume you won’t qualify — speak to a mortgage specialist first.
📞 01923 751215
✉️ [email protected]
🌐 smfinancialpln.co.uk
S*M Financial Planning Ltd – Mortgage & Business Loan Specialists
Your home or property may be repossessed if you do not keep up repayments on your mortgage.

07/10/2026

Mortgage rates are moving — but it’s not all bad news. 📊

While some average rates have increased, several lenders have also cut selected mortgage rates, including products for buyers with smaller deposits.

🔄 Thinking about remortgaging?
🏡 Buying your first home?
📉 Wondering if you could get a better deal?

The mortgage market can change quickly, so it’s worth checking what options are available for your individual circumstances.

📞 01923 751215
📧 [email protected]
📍223 Saint Albans Rd, Watford WD24 5BH

S*M Financial Planning Ltd
Your circumstances matter. The right mortgage depends on your individual situation.

01/01/2025

Warm New Year Wishes from S*M Financial Services

As we welcome 2025, we want to thank you for trusting us with your financial journey. Whether it's helping you secure the perfect mortgage or supporting your business loan needs, it’s been a privilege to serve you.

This New Year, we’re committed to continuing to provide you with expert guidance, tailored solutions, and dedicated support to help you achieve your financial goals.

Wishing you and your loved ones a prosperous, healthy, and successful year ahead. Let’s make 2025 a year of growth and new opportunities!

Warm regards,
The S*M Financial Services Team

20/12/2024

Christmas party with S & M Financial planning

28/11/2024

TMA conference 2024 @ Birmingham

09/11/2024

Looking to invest in one of the world’s safest, low-risk markets?🇬🇧
Our team of experts, with decades of experience in the UK 🇬🇧 finance industry, is here to make it simple! From property purchases 🏡 to full business setups 💼, we handle all paperwork so you can invest without needing to be in the UK or have any prior connections.
📺 Watch the full video here:
https://www.facebook.com/watch/?v=2361622127513983
Secure up to 50-60% financing and explore high-potential sectors like hotels, care homes, and commercial properties!
Don’t miss out! Message us now or watch the full video for all the details on how we can support your investment journey with confidence. 📩
Malith: +44 75532 28977 (Voice & WhatsApp)
Sumith: +44 78960 90436 (Voice & WhatsApp)
Email: [email protected]
Website: www.smfinancialpln.co.uk
📍 223 St. Albans Road, Watford, Hertfordshire, WD24 5BH, UK

08/11/2024

ලෝකයේ ආරක්ෂිතම, අඩු අවදානමක් සහිත වෙළෙඳපොළක ආයෝජනය කිරීමට ඔබත් සිහින දකිනවාද?
එක්සත් රාජධානියේ 🇬🇧 ගිණුම්කරණ හා මූල්‍ය ක්ෂේත්‍රයේ දශක ගණනාවක පළපුරුද්දක් ඇති අපගේ විශේෂඥ කණ්ඩායම, සෑම පියවරකදීම ඔබට මඟ පෙන්වීමට සූදානමින් සිටී. 🏢

📺 Watch the full video here:
https://www.facebook.com/watch/?v=2361622127513983

අවශ්‍ය සියලු ලියාපදිංචි හා කටයුතු අපට බාරදෙන්න! ඔබට එක්සත් රාජධානියේ වෙළඳපොළේ ව්‍යාපාරයක් ආරම්භ කිරීමට පය තැබීමට හෝ සම්බන්ධතා ඇති කර ගැනීමට අවශ්‍ය නැත.

💸 60-70% ක් දක්වා මූල්‍යමය සහාය ලබා ගනිමින්, හෝටල්, care homes, දේපල, සහ සේවා වැනි ක්ෂේත්‍රවල දැවැන්ත අවස්ථාවන් සොයා ගන්න.

Looking to invest in one of the world’s safest, low-risk markets?
Our team of experts, with decades of experience in the UK 🇬🇧 finance industry, is here to make it simple! From property purchases 🏡 to full business setups 💼, we handle all paperwork so you can invest without needing to be in the UK or have any prior connections.

💸 Secure up to 50-60% financing and explore high-potential sectors like hotels, care homes, and commercial properties!
👉 Don’t miss out! Message us now or watch the full video for all the details on how we can support your investment journey with confidence. 📩

📲 Malith: +44 75532 28977 (Voice & WhatsApp)
📲 Sumith: +44 78960 90436 (Voice & WhatsApp)
📧 Email: [email protected]
🌐 Website: www.smfinancialpln.co.uk
📍 223 St. Albans Road, Watford, Hertfordshire, WD24 5BH, UK
📺 Watch the full video here: Full Video

Address

223 St. Albans Road
Watford
WD245EB

Telephone

+447896090436

Website

http://www.smfinancialpln.co.uk/

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