Smart Mortgages

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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.

19/08/2026

🏡 WE’RE LOOKING FOR TWO COUPLES WHO KNOW NOTHING ABOUT BUYING A HOUSE! 🔑

Never bought before? No idea where to start? Perfect 😂

We want to take TWO couples from “we’d love to buy a house” all the way to GETTING THE KEYS completely FREE.

We’ll help you:

💰 Budget & plan your deposit
🏡 Find suitable properties
👀 Attend viewings with you
💷 Find the right mortgage
📝 Handle the mortgage process
⚖️ Guide you through the buying/legal process alongside your solicitor
🔑 Be there until you get the keys!

And we’ll document the journey to show other first-time buyers what buying a home is really like.

👇 KNOW THE PERFECT COUPLE?

TAG THEM BELOW! 👇👇

Or if it’s you, comment “HOUSE” 🏡 and tag your partner.

📲 SHARE this with someone who keeps saying “we need to buy a house!”

Smart Mortgages | FCA 912358

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage eligibility is subject to individual circumstances, affordability, credit status and lender criteria. Participation does not guarantee mortgage approval or a successful property purchase. Legal advice is provided by your solicitor/conveyancer. Other purchase and third-party costs may apply. Smart Mortgages NI Ltd is authorised and regulated by the Financial Conduct Authority, FRN 912358.

17/08/2026

Buying your first home can feel daunting enough.

Now imagine doing it when English isn’t your first language.

At Smart Mortgages, we want mortgage advice to be accessible to everyone. That’s why we’re starting to create more content in different languages helping people understand their options and ask questions in the language they’re most comfortable speaking. 🏡

We’re incredibly lucky to have Karolina Wrobel on our team in Scotland. 🇵🇱

Polish is Karolina’s first language, and she’s happy to help Polish-speaking clients with everything from understanding how mortgages work in the UK to taking those first steps towards buying their first home.

In the video below, Karolina talks about mortgages entirely in Polish. 🇵🇱

We won’t shy away from helping people when they need it most.

Sometimes making mortgage advice better isn’t about making it more complicated.

It’s simply about making sure people can understand it. ❤️

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

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

Mortgage availability and lending criteria are subject to individual circumstances and lender criteria.

FirstTimeBuyer MortgageAdvice Scotland

Address

2 Columba Terrace
Derry
BT476JT

Telephone

+442871311103

Website

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