FIRST HOME BY SMART MORTGAGES
Your first home starts with one clear next step.
From your first question to collecting the keys, we will help you understand the numbers, prepare properly and know what comes next.
Human mortgage advice across Northern Ireland, Scotland and the UK. No automated approval or credit decision here.
YOUR BUYING JOURNEY
Where are you right now?
Choose the closest answer. You can change it whenever you like, nothing is submitted or saved.
YOUR NEXT STEP · 01
Start with a realistic picture of what buying could look like.
You do not need to have found a property to talk to us. An early conversation can help you understand the likely costs and what to prepare, without making an application.
This guide is general information, not a mortgage offer, eligibility assessment or personal recommendation. Your circumstances and lender criteria will determine the options available.
HOW WE HELP
A joined-up journey, with an adviser beside you.
We can help you understand your budget, compare suitable mortgage options and support the application. Your solicitor and other professionals handle their own parts of the purchase.
Find a first-time buyer adviser →- 01Get your bearings
Talk through your income, deposit, credit history and buying goals.
- 02Prepare to buy
Understand costs and documents; discuss an agreement in principle when suitable.
- 03Apply with support
Once you find a property, your adviser explains the options and helps manage the mortgage application.
- 04Keep moving towards keys
We stay in touch as the mortgage progresses and explain what happens next.
YOU DO NOT HAVE TO KNOW EVERYTHING YET
Tell us what you know. We’ll help with the rest.
Whether you are six months away or have already had an offer accepted, there is a useful conversation to have.