Business Details
34 Years
experience
Your Trusted Mortgage Brokers in Belfast Since 1992
Established in 1992, we have dedicated three decades to providing impartial mortgage advice across Northern Ireland. With 23 local branches, including six in Belfast, our team of expert advisers has supported over 100,000 clients in securing their ideal mortgage solutions. Our independent status grants access to thousands of bank and broker-exclusive deals, ensuring competitive rates tailored to individual circumstances. We prioritise transparency, offering a free initial consultation and clearly communicated fees capped at 295. Our advisers specialise in first-time buyer mortgages, re-mortgaging, buy-to-let properties, and lifetime mortgages, while also providing comprehensive insurance solutions.Customer testimonials consistently highlight our professional approach, with dedicated advisers like Stephen, Debbie, and Ciara receiving praise for their expertise and personalised service. As an Appointed Representative of Stonebridge Mortgage Solutions Ltd (FCA-regulated), we maintain rigorous compliance standards. Our physical branches remain accessible for face-to-face consultations, complemented by online tools including mortgage calculators and risk assessment resources. We differentiate ourselves through local market knowledge and a commitment to simplifying the mortgage process for both first-time buyers and experienced property investors.
Services
First-Time Buyer Mortgages
Re-Mortgaging
Buy-To-Let Mortgages
Lifetime Mortgages
Shared Ownership
Stamp Duty Calculations
Income Protection Insurance
Life Assurance
Home Insurance
Mortgage Overpayment Calculations
Details
- Year established: 1992
Highlights and features
- 31 years of mortgage market expertise since 1992
- Transparent fee structure with maximum 295 charge
- Access to thousands of bank and broker-exclusive deals
- Dedicated mortgage advisers with local market knowledge
- Free initial consultation with no obligation
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Knowledgeable and honest
Patient and friendly
Highly recommend
Best deal secured
Services
First-Time Buyer Mortgages
Specialised mortgage solutions for first-time buyers navigating the property market. Our advisers provide comprehensive guidance through the entire purchasing process, from initial affordability assessments to final completion. We access exclusive deals unavailable through high-street banks, ensuring competitive rates tailored to individual financial circumstances while explaining all available government schemes and incentives.
Re-Mortgaging
Expert re-mortgaging services to secure better rates or release equity. We analyse existing mortgage terms, assess current financial situations, and identify optimal re-mortgaging opportunities. Our advisers explain potential savings, calculate break-even points for early repayment charges, and negotiate with lenders to secure improved terms while ensuring continuity of insurance coverage.
Buy-To-Let Mortgages
Specialist buy-to-let mortgage arrangements for property investors. We provide detailed market analysis, rental income assessments, and portfolio management strategies. Our advisers explain tax implications, help structure mortgages for maximum returns, and access lender-specific deals designed for landlords seeking to expand their property investments across Northern Ireland.
Lifetime Mortgages
Tailored lifetime mortgage solutions for older homeowners seeking to release equity. We explain different equity release products, assess impact on inheritance and benefits, and ensure compliance with FCA regulations. Our advisers provide impartial guidance on interest payment options and lifetime mortgage structures that maintain financial flexibility.
Insurance Protection
Comprehensive insurance solutions including life assurance, critical illness cover, and income protection. We assess individual risk profiles, recommend appropriate coverage levels, and explain policy terms and exclusions. Our advisers ensure protection plans align with mortgage commitments and personal circumstances while comparing market options to secure optimal value.
People
Stephen
Mortgage Adviser
Experienced mortgage adviser specialising in first-time buyer mortgages and insurance solutions. Known for thorough explanations and commitment to securing optimal deals for clients across Belfast.
Debbie
Senior Mortgage Adviser
Senior adviser with expertise in complex mortgage arrangements and client support during stressful periods. Recognised for exceptional availability and detailed market knowledge across Northern Ireland.
Ciara McDaid
Mortgage Consultant
Specialist in first-time buyer mortgages with a focus on simplifying processes for new purchasers. Praised for informative approach and continuous support throughout the buying journey.
Questions
What does a mortgage broker do?
We provide impartial advice, compare thousands of mortgage deals, and help secure the best rates for your circumstances. Our services include explaining different mortgage types, arranging valuations, and guiding you through the application process.
Why use a mortgage broker instead of a bank?
Brokers access exclusive deals unavailable through single lenders, provide impartial advice across the whole market, and save time by comparing options. Our expertise helps navigate complex financial situations that banks might decline.
Are there fees for mortgage advice?
We typically don't charge fees, but in some cases we may charge up to £295. This will be clearly explained during your free initial consultation with no obligation to proceed.
What mortgage types do you offer?
We provide first-time buyer mortgages, re-mortgaging options, buy-to-let arrangements, lifetime mortgages, and shared ownership schemes. Our advisers also help with insurance products including life assurance and income protection.
How do I start the mortgage process?
Book a free consultation with our local advisers. Bring proof of income and ID, and we'll assess your affordability, explain available options, and begin the application process tailored to your financial situation.
Do you operate across Northern Ireland?
We have 23 branches throughout Northern Ireland including Belfast, Derry-Londonderry, Lisburn, and Newtownards. Our local advisers understand regional property markets and lender requirements specific to each area.
