First-time buyer
Know what you can borrow, what deposit you need and what to do next.
Explore your options →★★★★★ 5.0 from 429 Google reviews
A mortgage built around your real circumstances.
Assessed by people.
Not just a score.
Straightforward mortgage advice for first homes, moves and remortgages and specialist help when income, credit history or circumstances are more complicated.
✓ Around 2 minutes✓ No obligation✓ No credit check
Whole-of-market adviceMore lenders, more optionsNI, Scotland & UKLocal people, national reachFCA authorisedReference 912358
429Google reviews
5.0★Google rating
9Expert advisers
10 yearsHelping people buy homes
HOW WE CAN HELP
Whatever your starting point,
we’ll find the clearest way forward.
Not sure which box you fit into? That’s normal. Tell us your situation and we’ll take it from there.
Moving home
We line up the mortgage around your move and keep every part moving.
Explore your options →Self-employed
Company director, contractor or sole trader? We understand how lenders assess your income.
Explore your options →Buy to let
Straightforward advice for new landlords, portfolios and limited companies.
Explore your options →Remortgage
Review your options early and avoid drifting onto an unsuitable rate.
Explore your options →Complex income
Foreign income, benefits, RSUs, visas or a case another broker could not place.
Explore your options →SMARTER MORTGAGE ADVICE
“We don’t believe in ‘computer says no’. We believe in finding the lender who understands your story.”
The Smart Mortgages team
WHY SMART MORTGAGES
Good advice changes what’s possible.
Mortgage criteria can be confusing. Our job is to understand your full picture, choose the right lender and make your application as strong as it can be.
- Human advice, not a comparison tableYou’ll know who is handling your case and what happens next.
- Experts in cases that don’t fit neatlySelf-employed, foreign income, benefits, credit issues and high-value lending.
- Fast, digital and easy to followUpload documents securely and track progress without chasing.
CLIENT STORIES
Don’t just take our word for it.
G5.0 ★★★★★429 Google reviews
★★★★★
“Literally had our mortgage sorted within hours. The whole experience was made so easy.”
★★★★★
“Mortgage secured within four days of sending the documents. Straightforward from start to finish.”
★★★★★
“Transparent, quick and exceptionally knowledgeable. I can’t recommend Smart Mortgages enough.”
LOCAL EXPERTS
Find your nearest branch.
Northern Ireland
Derry
2 Columba Terrace, Waterside, Derry, BT47 6JT
028 7131 1103 →Northern IrelandAntrim
79 Church Street, Antrim, BT41 4BE
028 9433 4210 →Northern IrelandBallyclare
11 The Square, Ballyclare, BT39 9BB
028 9343 8092 →Northern IrelandLimavady
2 Catherine Street, Limavady, BT49 9DB
028 7131 1103 →ScotlandDundee
Unit 2/3 Discovery House, Lindsay Court, Dundee, DD2 1SW
028 7131 1103 →ScotlandGlasgow
9 Fitzroy Place, Glasgow, G3 7RH
0141 378 9271 →SPECIALIST ADVICE
More ways we can help.
First-time buyer mortgages→Home mover mortgages→Remortgages→New-build mortgages→Self-build mortgages→Self-employed mortgages→Limited-company director mortgages→Contractor mortgages→Complex mortgages→Bad-credit mortgages→Mortgages with a CCJ→Mortgages after defaults→Mortgages after an IVA→Mortgages with a debt management plan→Mortgages after bankruptcy→First-time buyer mortgages with bad credit→Mortgages with one year’s accounts→Mortgages using benefits income→Mortgages for NHS and healthcare workers→Mortgages using Republic of Ireland income→Green and energy-efficient mortgages→Buy-to-let mortgages→Limited-company buy-to-let→Family Investment Company property finance→Buy-to-let with no minimum income→Bridging finance Northern Ireland→HMO and multi-unit apartment finance→Commercial mortgages→Business loans→Expat mortgages→Foreign-income mortgages→Visa mortgages→High-value mortgages→Later-life mortgages→Life insurance→Critical illness cover→Income protection→Key person insurance→Directors’ life insurance→Private medical insurance→
FOR BUSINESSES & FAMILIES
Finance the business. Build for the future.
Commercial funding, business protection and specialist property finance for families planning how future investment growth may be passed on.
MEET THE TEAM
Real advisers. Local knowledge.
START YOUR WAY
Useful tools. Human advice when it matters.
Tell us your situation, estimate repayments, prepare documents or find the adviser best suited to your circumstances.
01
Find my mortgage options
Six quick questions give you a relevant next step and document list without a credit search.
Find my next step →02Smart Mortgage Match
Match by location, situation, specialist need and language.
Get matched →03First-time Buyer Hub
Your complete journey from first budget to collecting the keys.
Open the hub →04Mortgage calculators
Borrowing, repayments, LTV, buy-to-let and remortgage illustrations.
Open the tools →MORTGAGE INSIGHTS
What’s happening and what it means for you.
Market updates
Mortgage market update: what buyers should watch
Rates matter, but lender criteria, affordability and preparation can be just as important. Here is how to read the market without getting lost in the headlines.
Read article →RemortgagingWhen should you review your fixed-rate mortgage?
Starting early gives you time to compare staying with your lender against moving elsewhere without making a rushed decision.
Read article →Specialist mortgagesHow lenders assess company-director income
Salary and dividends are only part of the picture. Some lenders can consider net profit, retained profit and the wider strength of the business.
Read article →YOUR NEXT STEP
Let’s make your move happen.
A free first conversation. No jargon, no pressure and no obligation.