Smart City Mortgages is a verified, FCA-regulated mortgage broker based in City of London, EC2M 4YJ, specialising in Adverse Credit, Auction, Bridging and 16 other areas. Rated 5/5 from 19 reviews.
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Meet our experienced team of mortgage professionals
Yoko Lee
29 Nov 2025We are extremely grateful for the support from Ka Chau throughout our mortgage application. He was incredibly efficient, knowledgeable and proactive from start to finish. Every question we had was answered clearly and quickly, and he guided us through each step with patience and professionalism. Thanks to his hard work, our mortgage was approved much faster than we expected. We truly appreciate his dedication and excellent service — highly recommended.
Jeanee Kung
12 Nov 2025This broker (ka) has been helping me for a while, and I’m truly satisfied with the service. They respond quickly and are always professional and attentive — whether it’s answering property inquiries, arranging viewings, or handling paperwork. What I appreciate most is that they take the initiative to analyze the market and offer advice based on my actual needs. The whole buying process went smoothly, and I didn’t have to worry about a thing. Highly recommend to anyone looking for a reliable and experienced broker!
Joseph Aggrey
30 Oct 2025We had a very good experience navigating our way through the mortgage application. By the expertise of Yvonne our mortgage advisor we were able to secure a mortgage approval. I would recommend Smart City Mortgages to first time buyers who do not know where to begin.
Yuliia Yankevych
17 Sept 2025I had a great experience with the service provided. Slavomir is the best broker I’ve worked with extremely professional, knowledgeable, and easy to communicate with. His expertise made the entire process smooth and stress-free. I truly appreciate the level of service and attention to detail. Highly recommended!
Maksym Kov
27 Jul 2025I want to say what a good experience I got being a client of this company. I started using the services for the first time in 2019. I took a second house with the help of Smart City. They started an urgent matter, they carried out the whole stage from the beginning of receiving the keys to the house, informing me about everything, on time and subsequently. Thanks to Smart City we managed to take a second house. From that moment on, who I know, I tell them. All your affairs that you need to solve with a house on credit, sale - purchase of housing, insurance - all this is handled by Smart City. They also contacted and had a very good experience. Thank you for your help and good luck!
Regulatory Status
Direct Authorisation
FCA Number
933448Practical guides and explainers from our blog — relevant to this mortgage type.
Yes, you can get a mortgage with a CCJ. This guide explains which lenders accept CCJs, how long you need to wait, what size CCJ matters, and how a specialist broker helps.
How to get a mortgage after bankruptcy or an IVA in the UK. Covers discharge timelines, which lenders consider applications, deposit requirements, and rebuilding your credit.
Been declined for a mortgage? Don t panic. This guide explains the most common reasons for rejection and the practical steps you can take to get approved, including specialist broker options.
Having adverse credit doesn t mean you can t get a mortgage. Learn how to secure approval with our complete guide.
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