Carol Smith Mortgage Services

Carol Smith Mortgage Services - Mortgage Advice Halton | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Carol Smith Mortgage Services

At Carol Smith Mortgage Services, based in Runcorn, I specialise in guiding clients through the often complex landscape of mortgage options. My approach is centred around understanding your individual circumstances, whether you’re a first-time buyer, looking to remortgage, or seeking a buy-to-let investment. I take pride in demystifying the mortgage process, ensuring you feel informed and confident in your decisions. I focus on building a thorough understanding of your financial goals and aspirations. By doing so, I can offer insights into various mortgage products, highlighting features that align with your needs. For first-time buyers, I provide essential guidance on government schemes and how to navigate the buying process. For those remortgaging, I analyse your current mortgage terms and explore options that could enhance your financial situation. My expertise extends to the buy-to-let sector, where I assist investors in identifying mortgages that suit their investment strategy. Understanding the intricacies of rental income calculations and potential property values is crucial, and I’m here to help you make informed choices that maximise your investments. Throughout the process, I emphasise clear communication. I ensure clients are kept informed every step of the way, from the initial consultation through to completion. I’m always available to answer questions or clarify any uncertainties. My goal is to create a straightforward and efficient experience, allowing you to focus on other important aspects of your home purchase or investment. With access to a wide range of lenders and products, I stay up-to-date with market trends and legislative changes that could impact your mortgage options. This allows me to provide timely advice and ensure you are aware of any opportunities that may arise. Choosing a mortgage is a significant decision, and I’m here to guide you through it with clarity and confidence.

Specialisations

No specialisations listed.

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(39 reviews)

alicia johns

27 Feb 2026

Amazing! Carol, Helen and the team are incredible at what they do; they have supported us throughout our first home purchase and we would recommend Carol Smith Mortgages to anybody!

Calum Snell

4 Feb 2026

We can’t recommend Carol Smith and her team highly enough. As first-time buyers, the whole process felt daunting at first, but from the moment we sat down with Carol she completely put our minds at ease. She explained everything clearly, guided us through every step, and helped us with everything we needed along the way. No question or concern was ever too much trouble, and she was always there when we needed her. Her personal, friendly approach made what could have been a stressful experience feel so much easier and more manageable. Thank you, Carol – we’re so grateful for all your help and would absolutely recommend your service to anyone.

Sarah Parr

19 Jan 2026

Carol and Helen were incredibly helpful and supportive throughout our move. We had some challenges with the sale of our house and they were always there to reassure us and help us navigate the system. They found us a very good mortgage deal very quickly and managed every aspect of the process. I'd have no hesitation in recommending them.

Diane Howard

14 Jul 2025

I would highly recommend Carol Smith Mortgage Services. From start to finish Carol was always friendly, informative, explained everything in detail, always available to answer questions. She gave me time to make my decision on equity release, advised the pros and cons, guiding me but not pressurising me. If Carol wasn't available Helen was also able to help me before Carol phoned me back. I would give Carol and her company 5 stars 🌟 and would recommend her, which has already happened.

Callum Charlton

1 Jul 2025

We could not recommend them *enough* - Having Carol and her team guide and help us, was a god-send. Being first time buyers, we had *a lot* of questions and worries. Carol (and Helen) were there every step of the way, you could literally text/call them any time and they put the time in to help with any queries we had. Not only were they fast, effective & professional; They were very personable & lovely to speak to. Highly, *Highly* recommend.