Smart Mortgages

15/10/2026

🏡 Living with your parents while dreaming of a place together?

Your first home could be closer than you think 👀

Eligible first-time buyers may be able to buy with a deposit from £5,000. For example, £5,000 is a 2% deposit on a £250,000 home.

💷 Getting help from the Bank of Mum and Dad? Gifted deposits can be accepted on some mortgages, but different deposit requirements apply. The £5,000 option mentioned above requires your own funds.

At Smart Mortgages, we’ll help you understand your options and what you could realistically afford.

📩 Message us “FIRST HOME” to arrange a chat.

Subject to affordability, credit checks, lender criteria and property eligibility. Selected products only; exclusions apply. You’ll also need to budget for buying costs. A smaller deposit may mean higher rates and a greater risk of owing more than your home is worth if prices fall.

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

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FRN 912358.

13/10/2026

🏡 Rent or buy? That’s the question we asked…

What do you think people said? 👀 Watch to find out, then tell us which you’d choose and why 👇

Everyone’s circumstances are different. Renting can offer flexibility, while buying brings upfront costs and ongoing responsibilities.

Thinking about buying? Speak to the Smart Mortgages team about your options.

Mortgage approval is subject to affordability, eligibility and lender criteria. This video is for general information and does not constitute personalised mortgage advice.

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

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FRN 912358.

09/10/2026

🏡 £230,000 HOUSE? NO DEPOSIT? NO PROBLEM! 👀🔥

🚨 BIG NEWS FOR FIRST-TIME BUYERS IN NORTHERN IRELAND!

Dreaming of owning a brand-new home but struggling to save a deposit?

The changes to Northern Ireland Co-Ownership could make that dream a reality! 🔑

🏠 New-build homes up to £230,000
💷 Potentially buy with £0 deposit
🤝 Co-Ownership helps you purchase a share of your home
📲 Our advisers can check your eligibility and explain your options!

Don’t let a lack of savings stop you exploring homeownership!

📩 Message Smart Mortgages today and find out what you could qualify for.

⚠️ IMPORTANT MORTGAGE WARNINGS

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

No deposit is not guaranteed. Eligibility, affordability, property criteria, lender approval and Co-Ownership approval apply. You will pay a mortgage on the share you purchase and rent on the remaining share. Other upfront costs may apply.

Not everyone will qualify. Mortgage advice and product fees may apply, and all costs will be explained before proceeding.

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

NoDepositMortgage MortgageAdvice PropertyNI

08/10/2026

06/10/2026

🏡 Dreaming of buying your own home but haven’t saved a deposit?

Northern Ireland Co-Ownership could help you take that first step and you may be able to buy without a deposit! 🔑

✅ Eligible new-build homes up to £230,000
✅ Eligible existing homes up to £215,000
✅ Buy a share of your home and pay rent on the share owned by Co-Ownership.

Could you qualify? Talk to one of our Smart Mortgages advisers and find out what’s possible for you.

📩 DM us “HOME” to get started.

Co-Ownership is a shared ownership scheme available in Northern Ireland. Eligibility, affordability, property approval and lender criteria apply. Your approved property value may be lower than the limits shown. Some lenders require a deposit. Application, legal and other purchase costs apply, even where no deposit is required.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Your home may also be at risk if you do not keep up rent payments to Co-Ownership.

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FRN 912358.

05/10/2026

🎉 TODAY SMART MORTGAGES TURNS 10! 🎂

Ten years ago, I started Smart Mortgages with an idea and a lot of determination. Today, I’m looking at everything we’ve built and feeling incredibly grateful.

To every client who trusted us with their mortgage, recommended us to family or friends, left a review or came back to us again THANK YOU. You’ve helped this business grow more than you’ll ever know. ❤️

To our introducers and business partners, thank you for putting your trust in us and being part of our journey.

To the Smart Mortgages team, past and present thank you for your hard work, care and commitment. I’m proud of what we’ve achieved together.

And to my family, thank you for the support behind the scenes, through the long days and everything that comes with building a business.

There are people getting the keys to their first home today who were only children when we started. That puts ten years into perspective! 🏡

I’m proud of how far we’ve come and excited about what’s ahead.

Thank you for being part of Smart Mortgages.

Here’s to the next ten years! 🥂

Aaron 💚

02/10/2026

Why do so many people STILL think they need a 10% deposit to buy a home?! 🏡🤯

Did you know there are mortgage options with…

💷 A £5,000 deposit for eligible first-time buyers
🔑 A 5% deposit that’s £10,000 on a £200,000 home!

You could be closer to buying than you think. Let’s check your individual circumstances and explain your options.

Comment MORTGAGE or message Smart Mortgages 📩

Please read: A smaller deposit does not guarantee mortgage approval. The amount you can borrow depends on your income, financial commitments, credit history, age, mortgage term and the lender’s affordability assessment. These options will not be suitable or available for everyone.

The £5,000 deposit option is for eligible first-time buyers purchasing qualifying properties worth £102,000–£300,000 using their own savings. Gifted deposits, new builds and shared ownership are excluded. Separate eligibility requirements apply to 5% deposit mortgages. Products and lender criteria may change or be withdrawn.

You will also need to budget for legal fees, surveys, any applicable property taxes and other purchase costs. Mortgage and adviser fees may apply and will be explained before you proceed.

A smaller deposit means borrowing a greater proportion of the property’s value and may mean higher interest rates and monthly repayments. If property prices fall, you could owe more than your home is worth, which may make selling or remortgaging harder.

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

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 912358.

30/09/2026

🏡 Buy or rent?! We asked the public… what do you think they said? 🎤👀

We stopped people in the street to hear their thoughts, and some of the answers really surprised me!

One concern kept coming up: saving for a deposit. For many people, it feels like the biggest hurdle to buying a home.

That’s why we need to talk more about the options that may be available:

🔑 Northern Ireland Co-Ownership potentially without a deposit, subject to eligibility and mortgage approval
💷 Mortgage options with a £5,000 deposit
🏡 Options with a 2% or 5% deposit

These are different schemes and products, each with its own criteria. They won’t suit everyone, but understanding your options is a good place to start.

💬 What’s stopping you from buying the deposit, affordability or something else? Tell us below.

📲 Message Smart Mortgages to explore your options.

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

All mortgages are subject to status, affordability, credit checks and lender criteria. Low-deposit products have eligibility requirements, property restrictions and borrowing limits. A smaller deposit may mean higher interest rates and a greater risk of negative equity. Other buying costs still apply.

Co-Ownership is a shared ownership scheme available in Northern Ireland. Eligibility criteria apply, and you pay rent on the share you do not own.

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. FRN 912358.

MortgageAdvice

28/09/2026

Could a £5,000 deposit get you a £150,000 home? What about £200,000, £250,000 or even £300,000? 👀

For some first-time buyers, it could be possible through a specific Halifax mortgage.

A £5,000 deposit does not mean you can automatically borrow the rest. The amount you may be able to borrow depends on your income, regular spending, existing commitments, credit history and the lender’s affordability checks. You’ll also need money for other costs involved in buying a home.

Want to find out what you could afford? Comment 5K or send us a message to speak with an adviser.

This mortgage is for eligible first-time buyers using at least £5,000 of their own savings to buy a qualifying property valued between £102,000 and £300,000. New builds, gifted deposits and shared ownership are excluded. It is a five-year fixed-rate repayment mortgage. All applications are subject to the lender’s criteria, affordability assessment, property valuation and approval. Mortgage rates and availability can change.

Borrowing with a small deposit may mean higher monthly repayments. If property prices fall, you could owe more than your home is worth. A larger deposit may give you access to different mortgage rates. We can assess your circumstances and explain the options available to you.

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

Smart Mortgages is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 912358.

23/09/2026

🏠 Do you rent?

Is it expensive? YES!

So what’s stopping you from buying your own home?

Did you know that some first-time buyers may be able to get a mortgage with as little as a £5,000 deposit?

You might be closer to owning your own home than you think.

But you’ll never really know what you can afford, or what options may be available to you, until someone looks properly at your circumstances.

Speak to an independent mortgage adviser at Smart Mortgages and find out what your options are.

📲 Get in touch and let’s work out what you could afford.

Important information:
The availability of mortgages with a £5,000 deposit is subject to lender criteria, affordability, credit status, property eligibility and individual circumstances. Not all applicants or properties will qualify. Mortgage rates, terms and lending criteria can change.

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

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