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Philip Smith

Mortgage and Protection Adviser

I am a professionally qualified Mortgage & Protection adviser based in Cardiff and cover the whole of South Wales and the South West. Should you wish to discuss any of your mortgage or protection needs in Welsh, I am a fluent speaker.

Philip Smith specialisms

  • Mortgages for the self employed
  • First time Buyers
  • Equity Release & Later Life Lending
  • Personal and Business Protection
  • Home Movers
  • Remortgages
  • Bad Credit Mortgages
  • Buy-to-Let Mortgages including Portfolio Landlords and Ltd Company
Philip Smith went above and beyond to help me as I was struggling to find a lender for my mortgage in the middle of the pandemic. I spoke with 4 different brokers and Phil came up with the best quotes. He is very friendly, always answered my e-mails on the same day. Also, we spoke a few times on the phone and he patiently explained every steps of my process. Also, he helped me finding the right insurance and protection. JoaoPaulo de Sousa
Phil was fantastic! From day one, couldn’t have been anymore helpful if he tried. I would highly recommend Phil services. He was available on weekends & evenings to answer any questions I needed & explained everything so easily as it wasn’t easy purchasing my first property alone. Phil helped me understand everything I was doing. Fantastic, thank you!! DW – Rhondda Cynon Taff
I needed some help in finding an adverse lender and over the most uncertain time of our lives Philip managed to secure us a mortgage that suits our needs and performed beyond our expectations at every stage. A Thomas - Cardiff

I am an experienced adviser and have been providing advice for 9 years. I have had many a varied role in the financial services industry which has enabled me to obtain a wealth of knowledge and experience. Industries include insurance, investments, and the housing market. Having worked in a client focused environment for many years, combined with a flexible attitude and the highest of standards, means that I am passionate about delivering a first-class service for clients to suit their needs.

I will not only assist with your mortgage requirements (all aspects of residential, buy to let and holiday home mortgages), but I am also a specialist in personal and business protection to make sure that you, and your assets are protected.

Personal Section

Away from work, my passion is football and golf.


  • Cert CII (MP & ER) – Mortgage Advice Qualification
  • BSc – Degree in Business management & Accounting
  • R01 – Financial Services, Regulations and Ethic
  • R05 – Financial Protection
  • RO3 – Personal Taxation
  • CF6 – Mortgage Advice
  • CeRER – Equity Release

Speak with Philip on 0330 094 5476

or email

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