Mortgage Broker Garforth

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Emma Smart

Mortgage and Protection Adviser

How did you get into the role?

After leaving school I worked at Halifax Estate Agents starting as a receptionist and working my way up to being a negotiator and then a branch manager. Within that role I decided to sit my CeMAP qualifications and become a Mortgage Adviser! I like a challenge! I then moved over to W H Brown Estate Agents where I worked as a broker.

What do you love about what you do?

I love chatting to people and helping them to achieve their dreams! It’s a great feeling to receive a message from a client as they are sat with a drink celebrating the first night in their new home. Sometimes my job is to help clients during difficult times and it good to know I can be there to take off a little bit of the pressure when times are hard.

How do you describe your job to your family?

A less glamorous version of Selling Sunset!!! I help people get mortgages without them having to move off their sofas!

What powers you through the day?

My day starts all wholesome usually with some overnight oats and fruit tea! It generally declines as the day progresses to strong coffee and cake!

If you weren’t a mortgage adviser, what job would you love to do?

I’d probably be a holiday tester if such a job exists!?!

What’s an ideal weekend for you?

Friday evening would involve some nice food and couple of glasses of wine.
On Saturday and Sunday mornings I am at my happiest watching my two boys play football followed by an afternoon of retail therapy!

The one tune that motivates you?

Now this changes on a regular basis but lets go with ‘Unstoppable’ by Sia.

What does a Mortgage Broker do? 

Mortgage Brokers provide a wide-ranging and invaluable service to mortgage applicants. Anyone who’s looking to buy a property, whether that be a First Time Buyer, experienced homeowner or a property investor looking for a competitive Buy to Let mortgage, can benefit from using a Mortgage Broker.

The Mortgage industry is a vast and constantly changing market, with a huge amount of lenders and even more mortgage products available. Mortgage Brokers maintain a comprehensive knowledge of the range of UK mortgage products available and their various criteria, allowing them to help you find the most suitable product for your needs, without the need for you to trawl through hundreds of different options.

Finding the right mortgage lender or deal for your individual circumstances is not only important in terms of accessing competitive mortgage rates available, if you have more complex personal circumstances, it can also be essential in securing an offer.

If you work in certain industries or have debt issues, there will be mortgage lenders who are more suited to you. Whilst those easily accessible high street lenders and banks will not necessarily be able to help people with more complex applications, Mortgage Advisers have access to lenders who are tailored to a wide variety of circumstances.

What are the benefits of using a mortgage broker?

There are, of course, a range of mortgage calculators available online, and many people wonder what the benefits of using a Mortgage Broker are beyond finding competitive interest rates.

The truth is, Mortgage Brokers offer much more value, often taking on much of the administrative burden and communications between solicitors, conveyancers and estate agents on your behalf. They can also explain the full process to you, ensuring you understand the difference between a fixed-rate deal and a variable one.

For most people, a house purchase is the largest investment that they will ever make, so having the comfort of full support of a knowledgeable professional who is regulated by the Financial Conduct Authority will put your mind at ease that your investment is safe.

Another common misconception is that you will get the best mortgage deal by approaching your own bank. Unfortunately, whilst you may find this the most comfortable option, it is rarely the most financially beneficial, as you are limited to the small range of mortgage products that they have available.

It’s also important to realise that, as the lender, they are unable to offer you an impartial opinion on whether their range of products is most suited to your needs. A Mortgage Broker, on the other hand, has nothing to gain from recommending one mortgage product over another, meaning that they can give you a recommendation of which mortgage product will be most appropriate for you, in the long-term.

What services are offered by a mortgage broker?

Mortgage Brokers can offer mortgage advice and guidance in the following areas:

  • First Time Buyers – including agreement in principles
  • Remortgaging
  • Self-employed applicants  – including joint application with mixed job types
  • Home Movers
  • Buy to Let options for independent landlords and portfolio property investors
  • Life insurance and property protection policies

They also often provide an important role in coordinating communications between the various parties involved in your application, from solicitors and conveyancers, through to the estate agent and lender, ensuring that you are well-informed along the way. They can deal with any issues as and when they arise, to ensure a quick turnaround and smooth transition into your new home.

What are the benefits of using a local broker?

If you’re looking to buy in the Garforth area, don’t underestimate the benefits of using a local Mortgage Broker. Here at CS Mortgage Solutions, we have the benefit of local knowledge, such as house prices, build quality and type of properties your surveyor might find.

We are aware of potential local non-standard construction issues that may arise and any local authority expansion plans that could affect your decision to purchase. Our relationship with local solicitors, surveyors and estate agents, can also help communications and therefore, your mortgage application to proceed more smoothly.

We are easily accessible for queries and can reduce your administrative burden, providing regular updates on your application’s progress. We’re rated as one of the country’s top ten Mortgage Brokers on Trustpilot and have extensive knowledge in the Garforth area,  so why consider anyone else for your Garforth property needs.


Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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