Smart Mortgages

Smart Mortgages Book your free appointment www.smart-mortgages.co.uk/booking

09/09/2026

🏡 Mortgages don’t have to be complicated.

💬 Start with a chat. No scary stats.

💻 No “computer says no”. We look at the options and help make the process flow.

🔎 We search and compare mortgages from across our lender panel to find a deal that suits your circumstances.

📋 From the paperwork to chasing the application, we’re with you throughout.

😌 Less stress for you. We help see it through.

🔑 Until the keys are in your hand, just like you planned.

💙 Smart Mortgages. We’ve got you.

📲 Speak to one of our mortgage advisers today.

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

Smart Mortgages is a trading name of Smart Mortgages Ltd, authorised and regulated by the Financial Conduct Authority. FCA No. 912358.

07/09/2026

🤖 Are these the top 5 highest-paying careers in AI?

🛡️ Cybersecurity £50k–£70k
💡 AI Consultant £65k–£110k
🧠 Machine Learning Engineer £60k–£120k
📊 AI Product Manager £75k–£130k
💻 AI Software Engineer £70k–£150k

Working in one of these fast-growing careers could give you strong mortgage potential 🏡💷

However, your salary alone doesn’t determine how much you can borrow. Lenders may also consider your employment history, probationary period, bonuses, share income, credit commitments and deposit.

At Smart Mortgages, we understand complex income and can help identify lenders whose criteria may suit your individual circumstances. 📲

Salary figures are estimates and will vary depending on experience, employer and location. All mortgages are subject to lender criteria, affordability assessments and credit status.

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FCA reference number: 912358.

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

02/09/2026

🏡 Would you like to extend or modernise your home?

Dreaming of a bigger kitchen, an extra bedroom, more living space or giving your home a complete makeover? 🔨✨

💷 We may be able to help you raise the funds through your mortgage.

There are lenders who may consider additional borrowing to fund home improvements, renovations or an extension.

🏦 Lender criteria apply. The amount you can borrow will depend on your individual circumstances, including income, affordability, existing borrowing, credit history, property, loan-to-value and the lender’s own lending criteria.

Approval is not guaranteed and all applications are subject to the lender’s assessment, terms and conditions. Interest rates, fees and lending criteria vary between lenders.

📩 Speak to Smart Mortgages and we’ll explore the options available to you.

⚠️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Smart Mortgages Ltd, authorised and regulated by the Financial Conduct Authority. FCA No. 912358.

28/08/2026

🏡 What’s REALLY stopping young people buying their first home?

I asked this lady that question… and her answer wasn’t what I expected. 👀

She didn’t just talk about deposits, house prices or mortgage rates.

She talked about what happens AFTER you get the keys. 🔑

🛠️ Does the property need renovated?
🛋️ Can you afford to furnish it?
💷 Have you used every penny of your savings to buy it?
☔ Do you still have a rainy-day fund?
🏠 Can you afford to own the home AND still enjoy your life?

Getting the mortgage is only part of the journey.

This is a really interesting perspective and definitely worth listening to. 🎥

👇 What do you think is the biggest thing stopping young people buying homes today?

📲 Thinking about buying your first home? Speak to Smart Mortgages and find out what your options could look like.

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

Mortgage availability and the amount you can borrow will depend on your individual circumstances, affordability, lender criteria and credit status.

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FCA No. 912358.

27/08/2026

⚠️ USING KLARNA OR BUY NOW, PAY LATER? WATCH THIS BEFORE APPLYING FOR A MORTGAGE! 🏡

Using Klarna or another Buy Now, Pay Later service once in a while isn’t necessarily a problem.

But 👀 if you’re using it regularly, some mortgage lenders may take a closer look.

Why?

Repeated BNPL use can appear on your bank statements and/or credit file and may be considered when a lender looks at your affordability, spending habits and overall financial commitments.

That doesn’t mean using Klarna automatically stops you getting a mortgage — every lender assesses applications differently.

🏡 Thinking about buying a home?

Before you apply, speak to a mortgage adviser. We can look at your circumstances and help match you with a lender whose criteria suit your situation.

📩 DM Smart Mortgages for a mortgage check.

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

Mortgage availability and lending criteria vary between lenders and are subject to individual circumstances, affordability, credit status and lender terms and conditions.

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FCA No. 912358.

25/08/2026

🏡 WHAT MORTGAGES DO WE DO?

The simple answer… a lot! 👀

🔑 First-Time Buyers
💼 Self-Employed
🏠 Remortgages
🏢 Limited Company Buy-to-Let
🌍 Foreign Nationals & Foreign Income
🧩 Complex & Specialist Mortgages

We might even be able to arrange a mortgage for a castle! 🏰😂

📍 We help clients right across the UK.

Think your circumstances are complicated? Don’t assume you can’t get a mortgage.

📲 Send us a DM and let’s see what options may be available.

⚠️ Terms, conditions and lender eligibility criteria apply. Mortgage availability is subject to individual circumstances and lender assessment.

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

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Smart Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 912358.

🎉 WE HAVE A WINNER! 🎉Congratulations to Martina Rose Blue🌷 🏆🙌You’ve won 2 tickets in our Smart Mortgages Instagram givea...
24/08/2026

🎉 WE HAVE A WINNER! 🎉

Congratulations to Martina Rose Blue🌷 🏆🙌

You’ve won 2 tickets in our Smart Mortgages Instagram giveaway! 🎟️🎟️

A massive thank you to everyone who entered, liked, shared and followed us. We had an incredible response! 💙

Martina Rose Blue🌷 send us a DM and we’ll get everything sorted for you.

Keep following .Mortgages_ we might just have another giveaway coming soon… 👀

🎟️ WIN 2 TICKETS TO SEE KINGFISHR! 🎶Want to be there? 👀Entering is easy:🧡 Follow .Mortgages_👥 Tag the friend you’d bring...
22/08/2026

🎟️ WIN 2 TICKETS TO SEE KINGFISHR! 🎶

Want to be there? 👀

Entering is easy:

🧡 Follow .Mortgages_
👥 Tag the friend you’d bring with you
📲 Share this post!

🏆 Winner announced Monday at 12pm.

Good luck! 🤞🍀

This competition is run by Smart Mortgages and is not affiliated with or endorsed by Instagram.

🎟️ WIN 2 TICKETS TO SEE KINGFISHR! 🎶Want to be there? 👀Entering is easy:🧡 Follow .Mortgages_👥 Tag the friend you’d bring...
22/08/2026

🎟️ WIN 2 TICKETS TO SEE KINGFISHR! 🎶

Want to be there? 👀

Entering is easy:

🧡 Follow .Mortgages_
👥 Tag the friend you’d bring with you
📲 Share this post !

🏆 Winner announced Monday at 12pm.

Good luck! 🤞🍀

This competition is run by Smart Mortgages and is not affiliated with or endorsed by Instagram.

21/08/2026

🏡 Could two 23-year-olds on minimum wage buy a home like this?

Potentially… YES! 👀🔑

If you’re both working full-time, home ownership might be closer than you think.

💷 A deposit from as little as 5% may be possible
🏠 Your income could potentially support a mortgage
📊 Different lenders assess affordability differently

The important bit? Don’t assume you can’t afford to buy.

Speak to a mortgage broker and find out what your actual affordability looks like. You might be surprised! 👀🏡

📩 Message Smart Mortgages and we’ll help you work out what could be possible.

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

Mortgage availability and the amount you can borrow are subject to individual circumstances, lender criteria, affordability and credit assessment. A 5% deposit is not available in all circumstances.

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FCA No. 912358.

Address

2 Columba Terrace
Derry
BT476JT

Telephone

+442871311103

Website

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