Smart-in Mortgages

Smart-in Mortgages We are Smart-in Mortgages.

Tailor made advice for your situation, smart solutions to get you the mortgage you need and step by step guidance from start to finish.

Mortgage News....you can buy a home with £5,000 deposit. Halifax have launched a £5000 deposit scheme - this is amazing ...
28/05/2026

Mortgage News....you can buy a home with £5,000 deposit.

Halifax have launched a £5000 deposit scheme - this is amazing for first time or next time buyers looking to buy a home that maybe a little bigger or have that extra bedroom that at the moment, you don't have the deposit to buy.

This is available to you....

If you are a first time buyer.
This is amazing and will help lots of people buy their home

If you are a next time buyer.

Maximum purchase price is £300,000.
Quite chunky for the North East of England!

The deposit of £5000 cannot be gifted.
You must have had this in your savings account for at least 3 months.

So....if you would like to move, get your first home, next home and are worried you don't have enough deposit - well maybe you do!

Self employed? Do you feel like a mortgage is unreachable? Well it's not. We love helping self employed people find a mo...
20/05/2026

Self employed? Do you feel like a mortgage is unreachable?
Well it's not. We love helping self employed people find a mortgage and they are very much available 💪

If you need a mortgage, here are our FIVE top tips to get ready.

STEP ONE 🏦
Open a business bank account. Stop using your personal bank account for things relating to your business and make sure all your income and outgoings for your business are going through your business account. This makes step two much easier!

STEP TWO 📚
Use an accountancy software system like Xero or Quickbooks to record your transactions and make sure you get paid from every job. Make sure you note when your invoices are paid.

STEP THREE 👩‍💼
Get an accountant. Although not a legal requirement to have one, We are finding more lenders require an accountant to confirm your accounts have been checked by them. make sure your accountant is professionally qualified as bookkeepers don't count.

STEP FOUR 🗂️
Check your credit file. This goes for everyone but even more important when you are self employed. Make sure all your details are accurate. Make sure you are not regularly missing payments and direct debits.

STEP FIVE. 💷
Lenders love seeing regular income. If you can, try and take a regular amount each month, leaving your excess in your business account. If this is not achievable it is not a dealbreaker as the lender will use your annual income and not what you have month to month but it does help.

Common Myths.

Its harder for self employed people to get a mortgage.
WRONG.
Its different as the lender will use annual income rather than a monthly payslip.
But not harder.

You need three years accounts
WRONG
We have been able to arrange mortgages for self employed people with only one years accounts.

You can't have debt when you are self employed
WRONG
You are assessed in exactly the same way as an employed person.

If you are self employed and need mortgage advice, Suzie is very experienced in finding mortgages for all different scenarios and can give advice and guidance as well as finding and arranging your mortgage.

In person appointments available or you can book an appointment via zoom using the link below 👇 https://calendly.com/suzie-smart-inmortgages

-inmortgages

Thinking of buying your first home? Patrick and Chloe....didn't hang about and have bought their first home with help fr...
10/05/2026

Thinking of buying your first home?
Patrick and Chloe....didn't hang about and have bought their first home with help from
Smart-in Mortgages.
We are super happy for them and we wish them lots of love and laughter in their new home, that is all theirs. We hear they've started the painting and decorating already - they definitely don't hang about!

🏡 step by step guidance
🏡 advice and mortgage research
🏡home insurance and protection advice



💪🗝️🎨🪣🧹🏡

First home madness! 🏡Congratulations to all Our clients buying this first home in 2026. We know it can be daunting, unce...
03/05/2026

First home madness! 🏡

Congratulations to all Our clients buying this first home in 2026.
We know it can be daunting, uncertain and a little
Scary and thats why Smart-in Mortgages gives extra care to those embarking on home ownership for the first time.

The mortgage rates have started to steady and if you would like to have a chat to see if you're mortgage ready then get in touch - Suzie is ready and waiting to help!

🏡 confidential and personal advice - for your situation
🏡 over 200 lenders at our fingertips
🏡 lots of lending solutions for all scenarios


Wondering how to book an appointment with a mortgage adviser who knows their stuff? its an unusual market at the moment ...
18/04/2026

Wondering how to book an appointment with a mortgage adviser who knows their stuff? its an unusual market at the moment to advice is crucial to help you make the right decision.

Book a mortgage appointment with me to discuss your
First home 🏡
Next Home 🚚 🧳 🏡
A New Mortgage Rate 📧
Investment Property 📊 🏡
Dont Wonder, Dont Stress, Take Action and Book an appointment! 👇

Happy Easter from Smart-in Mortgages. We hope you have a wonderful day with your loved ones at your favourite place. If ...
05/04/2026

Happy Easter from Smart-in Mortgages. We hope you have a wonderful day with your loved ones at your favourite place. If chocolate and a dinner are involved too then you're winning! 🏡

23/03/2026

When we having our next chat Leah Nesbitt Property?
If I had a pound for everytime someone said "I can't because someone said...."
Well meaning advice unfortunately can be wrong. Get personal advice about your situation from a professional.

23/03/2026

I've finally got my website up and running 🍾
I think I have proved that don't need websites or even business cards to have a successful business but for those that don't know me personally, a website is good to check before getting in touch.

Please feel free to share and let anyone who may need mortgage advice now or in the future ☺️

05/03/2026

I often get asked for estate agent recommendations and I have to say its always been hard to make one, as the agents were pretty much the same BUT Leah Nesbitt Property is a different kind of estate agent!

She cares 🥰 and is incredibly experienced, cutting her teeth in London and after 16 years in the big smoke she's now back in her home city to bring her property magic to us lucky people.
We had a natter few weeks ago, and we talked
Mortgages!

Is your deal coming to an end??? Don't panic and get advice 💪

04/03/2026

Are you currently renting? I have lots of options for renters to buy their own home, with minimal
Or even NO deposit 💪

But...in the mean time, be aware of the new rules coming into play in May 2026, which will Make renting more transparent for both landlord and tenant.

And if you want buy now or hopefully in the future, but have no idea if you can, then my diary is always open for a free no obligation chat, to talk about your situation, give facts about buying and make sense of your situation so you know if buying is a credible option to you.

See new rules below and make sure your landlord and estate agent follows them 👇

https://www.facebook.com/share/v/1DzVUFrcZB/?mibextid=wwXIfr

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Newcastle Upon Tyne

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+447792616912

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