Mortgage Broker in Northern Ireland You Can Rely On
Finding the right mortgage in Northern Ireland isn’t always straightforward, especially if you’re self-employed, a company director, or buying your first home.
At Smart Mortgages, we are an independent, whole-of-market mortgage broker helping clients across Northern Ireland secure the right mortgage, not just the easiest one.
We work with first-time buyers, home movers, remortgagers, property investors and clients with complex income — and we do it every day.
Smart Mortgages
Why Choose Smart Mortgages?
Independent mortgage broker covering all of Northern Ireland Specialists in self-employed & complex mortgages Access to high street banks & specialist lenders Clear, honest advice — no jargon Fast decisions & digital-first process
We don’t believe in “computer says no”. We believe in expert advice, lender knowledge and real solutions.
Mortgage Advice for Every Situation
First Time Buyers
Moving Home
Remortgaging
Buy to Let
Self Build
Local Experts. NI Mortgage Specialists.
Northern Ireland lending rules are different. Lenders treat income, deposits and affordability differently here — and that’s where expert advice matters.
NI property values & lending limits
Local lenders’ criteria
How to structure applications properly
Testimonial
Clients Feedback
I had the pleasure of buying my first house with Smart Mortgages. Aaron was very professional and made the process so simple. High recommend. Thanks! 
The service I received from Aaron and the team at Smart Mortgages was above and beyond. Friendly, professional, and always on hand - I am so grateful for all the work that went into helping me. 
Smart Mortgages were great to deal with. Aaron and his team made the entire process so simple and stress free. Would recommend them in a heartbeat! 
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be no fee for Mortgage Advice. There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, but we estimate it to be between £250 for a standard mortgage and £1500 for a complex mortgage.
2024 SMART MORTGAGES LIMITED Registered in Ireland No. NI642513.
Smart Mortgages Ltd, 2 Columba Terrace, Londonderry, BT47 6JT is authorised and regulated by the Financial Conduct Authority reference 912358 at www.fca.org.uk.
If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available upon request. If you wish to register a complaint, please contact us either in writing, by telephone or email.
The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. More detail can be found on their website: www.financial-ombudsman.org.uk