Pete Smith - Mortgage & Protection Adviser

09/09/2026

Mortgage jargon doesn’t need to be complicated. 🏡

LTV means Loan to Value.

If you’re buying a home for £200,000 with a £20,000 deposit, you’d need to borrow £180,000.

That means your mortgage would be 90% LTV.

Why does it matter? Your LTV can affect the mortgage products and rates that may be available to you.

Sometimes the industry makes simple things sound complicated.

We’d rather you understood them.

UNDERSTOOD — Built on Trust.

07/09/2026

You can only choose one… 🏡

Would you rather have a larger house now or choose a shorter mortgage term?

There’s no right answer — it really comes down to what matters most to you.

Larger house 🏠 or shorter mortgage ⏱️?

Tell us below 👇

03/09/2026

Meet the Team!

28/08/2026

18/08/2026

Remortgaging next year?🏠😎
Start this week.📅

Remortgaging isn’t just about timing — it’s about being prepared.
Looking ahead now means you can spot the strongest deals, understand how rate changes might affect you, and make a plan that protects your budget.

A quick conversation this week could save you a lot of hassle next year!

06/08/2026

£21.5M Paid Out Daily 🫵👩‍❤️‍👨

Protection insurers paid out £7.84 billion in 2025 to help customers safeguard their finances.
New figures from the ABI and GRiD show that insurers paid the equivalent of £21.5 MILLION EVERY DAY, providing vital financial support to people facing bereavement, illness and injury.
Protection continues to prove its value — delivering real help when life takes an unexpected turn.🙏

04/08/2026

🏡 House Prices Still Rising!

The Northern Ireland housing market remains one of the strongest in the UK.
Property Pal's latest Q2 2026 report shows the average NI house price has risen to £239,234, up 3.8% year-on-year.

Demand remains healthy, with buyer enquiries up 7% on last year and properties reaching sale agreed status in around 36 days, roughly two weeks faster than the long-term average.

30/07/2026

BILLS DON'T STOP BECAUSE YOU'RE ILL!

Nearly 1 million people in the UK are off work through illness or injury each year🥲
Every year, close to a million people across the UK find themselves suddenly unable to work due to serious illness or injury - often for months at a time.
For most households, savings and statutory sick pay only stretch so far before the mortgage and bills start to bite.
It's a reminder that protecting your income matters just as much as protecting your life.