Mortgage Brokers in Belfast

Total Result 63 - Page 1

The Mortgage Shop

The Mortgage Shop

132 Great Victoria Street , Belfast , BT2 7BG 028 9002 6430

Based in 1992, The Mortgage Shop's rationale is to assist dwelling patrons to prepare mortgage finance in the simplest and easy means doable explaining the sophisticated process of home buyers within ...

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An Independent Mortgage Solution Ltd

An Independent Mortgage Solution Ltd

93 Stockmans Lane , Belfast , BT9 7JD 028 9002 5157

We will help you buy your first house, transfer to a different one, or change your current mortgage to a new one at a greater price. You can even increase funds for house enhancements, debt consolidat...

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Mortgage Advice Shop

Mortgage Advice Shop

Office 38 Imperial Buildings, 72, High St , Belfast , BT1 2BE 07484 162501

IMPORTANT COMMUNICATION With the continued coronavirus outbreak we wished to achieve out to our prospects and make sure you all the measures we're at the moment taking to assist #stopthecurve We...

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The Mortgage Shop

The Mortgage Shop

453 Ormeau Rd , Belfast , BT7 3GQ 028 9064 1602

Based in 1992, The Mortgage Shop's rationale is to assist dwelling patrons to prepare mortgage finance in the simplest and easy means doable explaining the sophisticated process of home buyers within ...

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The Mortgage Shop

The Mortgage Shop

150b Andersonstown Rd , Belfast , BT11 9BY 028 9061 2000

Based in 1992, The Mortgage Shop's rationale is to assist dwelling patrons to prepare mortgage finance in the simplest and easy means doable explaining the sophisticated process of home buyers within ...

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The Mortgage Shop

The Mortgage Shop

64 Holywood Road , Belfast , BT4 1NT 02890 657348

Based in 1992, The Mortgage Shop's rationale is to assist dwelling patrons to prepare mortgage finance in the simplest and easy means doable explaining the sophisticated process of home buyers within ...

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The Mortgage Shop

The Mortgage Shop

364 Woodstock Road , Belfast , BT6 9DQ 028 9002 8427

Based in 1992, The Mortgage Shop's rationale is to assist dwelling patrons to prepare mortgage finance in the simplest and easy means doable explaining the sophisticated process of home buyers within ...

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The Mortgage Shop

The Mortgage Shop

194 Cavehill Road , Belfast , BT15 5EX 02890 830550

Based in 1992, The Mortgage Shop's rationale is to assist dwelling patrons to prepare mortgage finance in the simplest and easy means doable explaining the sophisticated process of home buyers within ...

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One Stop Mortgage Shop

One Stop Mortgage Shop

4 Wellington Place , Belfast , BT1 6GE 028 9031 2222

ALL-ROUND FINANCIAL ADVICE One-Stop Mortgage Shop was established in 1997. It has expanded and is now one of all Northern Eire’s main Mortgage Brokers. All of our places of work are positioned...

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Nurture Financial

Nurture Financial

Scottish Provident Buildings, 7, Donegall Square West , Belfast , BT1 6JH 028 9091 2877

...

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Virgin Money

Virgin Money

5 Wellington Place , Belfast , BT1 6GA 028 9026 9930

Virgin Money offers a wide range of financial products....

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Progressive Building Society

Progressive Building Society

Progressive House, 33-37, Wellington Place , Belfast , BT1 6HH 028 9024 4926

Progressive Building Society is an integral part of the lifetime of Northern Eire regardless of its humble origins. Born out of the merger of 5 tiny societies it first opened its doorways below the "P...

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AIB

AIB

11-15 Donegall Square North , Belfast , BT1 5GB 0345 600 5925

First Trust Bank presents services relating to non-public and enterprise banking together with mortgage and funding recommendations....

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Halifax

Halifax

11-15 Donegall Square North , Belfast , BT1 5GB 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

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Nationwide Building Society

Nationwide Building Society

61-63 Donegall Place , Belfast , BT1 5AG 0800 554 0947

As a mutual, we’re owned by and run for, the advantage of our members* – that means we’re free to reinvest extra of our earnings into better services and products. Final yr alone, we paid again ...

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Clearpath Finance

Clearpath Finance

G D P House, 159, Durham St , Belfast , BT12 4GB 0333 004 2888

Unsecured SME Business Loans from £5,000 to £250,000 & Secured Property Loans from £100,000 to £15,000,000 Clearpath Finance, a part of the GDP Partnership, was based in 2017 with one fo...

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Santander

Santander

Imperial House, 6, Donegall Square East , Belfast , BT1 5HD 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

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Bank of Ireland

Bank of Ireland

1 Donegall Square South , Belfast , BT1 5LR 028 9043 3000

Launched in 1970, the Bank of Ireland offers a wide range of financial services and incentive packages for students and graduates....

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Ulster Bank

Ulster Bank

11-16 Donegall Square East , Belfast , BT1 5UB 028 9027 6000

Ulster Bank are a banking group that are based in Northern Ireland...

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Northern Mortgages

Northern Mortgages

243 Falls Rd , Belfast , BT12 6FB 028 9023 0777

We have now over 12 years of expertise, Northern Mortgages is a group of award-successful mortgage brokers. We provide first-time buyer mortgages, remortgages, co-ownership mortgages, buy to let mort...

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If you’re on the lookout for mortgage brokers in Belfast, then you’re in the best place. We’re a web-based listing of mortgage brokers in the UK brokers who will help you with the whole technique of credit score and mortgage.

All of the mortgage brokers obtainable on our listing are totally approved and controlled by the financial conduct authority. They’ll provide full mortgage options together with mortgage recommendation, safety recommendation, and all different mortgage-related financial companies. You possibly can filter your search as per your occupation too. It doesn’t matter if you’re self-employed, employed, or enterprise proprietor, you’ll be able to seek for a dealer with the wanted experience.

Getting a mortgage is likely one of the riskiest financial choices of your life if not executed with prudence. It includes large dangers added with advanced phrases and circumstances. Therefore, it is very important to get it finished with the best method. For a primary time buyer, it’s much more difficult.

The next information will aid you to confirm should you ought to get a mortgage advisor when to hunt recommendation, the place to get free mortgage recommendation, how your financial institution may be capable of assist, and which comparability web sites you’ll be able to examine.

How to decide on the best mortgage?

Mortgage recommendation: Sure or no?

Dangers of not getting mortgage recommendation.
Converse to your financial institution and folks you realize
When to strategy a mortgage adviser
Flick thru totally different web sites
Elements to be thought-about earlier than selecting a mortgage

How to decide on the best mortgage?

The mortgage market is extremely aggressive and fluctuating at the identical time. With so many alternative merchandise and choices obtainable from numerous suppliers, it will get fairly tough to decide whereas choosing the best choice for you. If you’re amongst first-time consumers, every little thing is certain to go over your head.

Nevertheless, there isn’t any must panic. The perfect and first is to strategy your financial institution in addition to several unbiased mortgage advisors, to see what they’ve to supply. These preliminary discussions will give a thought of what the market is presently providing, the way it all works, and that are the choices that might serve your finest. They will even aid you to study in regards to the totally different mortgage and safety options.

Given under is information that may navigate you thru all of the steps that will help you research your choices fastidiously earlier than making a remaining determination.

Mortgage recommendation: Sure or no?

It’s all the time a good suggestion to get in contact with an advisor.

The Financial Conduct Authority of UK mandates each Lender (banks and financial establishments) and mortgage dealer to supply recommendations earlier than recommending any mortgage for you.

Earlier than giving out any options, they’ll assess the extent of mortgage repayments it is possible for you to afford by analyzing your complete revenue, debt consolidation, and day-to-day spending. They’ll do the required calculation and adjustment to find out the quantity of mortgage credit score that fits your wants and financial capabilities to have the ability to sustain repayments on time.

Is it obligatory to go along with your dealer’s recommendation?

It isn’t obligatory to decide on what your lender or dealer suggests to you. You possibly can choose your deal as per your unbiased analysis and research too. Taking recommendations will certainly aid you to achieve clear insights into all of the features of the phrases and circumstances of the credit score. It can offer you the requisite solutions you’re in search of to pick one of the best mortgages for you.

Whenever you select your individual mortgage without in search of any form of financial recommendation it’s termed as an “execution-only” software.

Dangers of not getting mortgage recommendation

It’s an act of prudence to do your homework earlier than availing of any financial companies out of your mortgage dealer. So, collect your financial info earlier than you speak to lenders or brokers. the record of particulars that have to be ascertained is given as below:

If you’re employed, then have your P60 kinds (final 2 years) and final three payslips prepared with you.
For self-employed individuals, have your tax returns duly licensed by an accountant or skilled adviser
Supply of revenue: Take into consideration your revenue from all sources together with common, irregular, investments, and speculative revenue.

Proof of everyday bills
Proof of money owed
You future affordability: This checks how you’d be capable of affording if there is a rise within the rate of interest sooner or later
For those who avail of a mortgage on the recommendation of your mortgage dealer, which seems to be unsuitable for you in a while, then you definitely have extra rights once you make a criticism. You’ll get pleasure from the best to criticize financial mis-selling if the recommendation you got turned out to be unsuitable for you.

Nevertheless, if you don’t take any recommendation out of your mortgage advisor and go for it based mostly on your unbiased analysis, you need to take full duty on your mortgage determination if the identical seems to be unsuitable sooner or later.

Penalties of non taking mortgage recommendation:

If you find yourself with the incorrect mortgage, you received to get pleasure from any proper to criticize mis-spelling. your mortgage will flip into low credit and it’ll show to be a financial catastrophe for you.
You are likely to be rejected by your lender for choosing a mortgage, which isn’t appropriate as per your financial capabilities.
Therefore, taking a choice after availing recommendation out of your mortgage advisors is your best option particularly for a first-time purchaser if you wish to keep away from low credit in a while.

Converse to your financial institution and folks you realize

Talking to your banks is all the time start line as a result of they know your financial scenario inside out. They’ll all the time advise you with one of the best industrial mortgages to go for relying on your wants. They don’t cost any price for his or her recommendation because it is part of their customer support.

You may also speak to their good friend and colleagues to study their mortgages. They will transient you on the phrases and circumstances. You possibly can see how their merchandise stack up towards the competitors earlier than making a remaining alternative.

When to strategy a mortgage adviser?

A mortgage dealer or advisor is a specialist in mortgages and possesses in-depth information on the market. They have got the experience and expertise to review a variety of mortgage merchandise earlier than suggesting the best choice.

It’s a good suggestion to talk to some of them to know in regards to the gives prevailing available in the market.

There are three primary varieties of mortgage advisors available in the market:

Advisors tied to a selected lender: They might offer you mortgage recommendations and offers from a selected lender solely. they won’t have a look at a variety of choices for you. They often present a free mortgage recommendation.

Tied to a restricted record of lenders: As in comparison with a selected one, they’d give you financial options from a set of few lenders.

Not particular to any lender: They might have a look at numerous merchandise from the entire market and offer you a variety of choices based mostly on your particular person wants.
Benefits of utilizing an advisor:

They’ll advise you based mostly on your financial functionality to make repayments in your mortgage, thus guaranteeing revenue safety.

They will give you engaging offers and gives, that is in any other case not obtainable should you seek a mortgage independently.

They’ll help you with the paperwork, aid you perceive all of the phrases and circumstances correctly. Your functions get processed and accepted sooner.

They’ll aid you to take all the prices and options of the mortgage under consideration, past the rate of interest.
They need to solely advocate a mortgage that’s appropriate for you and can let you know which of them you’re prone to get

You’ll get pleasure from safety sooner or later if the mortgage proves unsuitable to you.
Discovering a mortgage advisor

Following are a number of the prime web sites for locating particulars about mortgage advisors in Belfast and different components of the UK

Cherryfind.co.uk
https://www.bmadvisers.co.uk/
https://www.landc.co.uk/
Unbiased.co.uk
VouchedFor.co.uk
https://capitalfortune.com/

Charges and prices

The charges and prices of a Mortgage advisor will depend upon the kind of financial options and companies you avail of. It additionally will depend on the kind of product you select and the worth of the mortgage.

Some lender particular advisors could present free advisory companies as a result of they obtain a fee from their lenders on accepted offers.

They’ll let you know the quantity of price they’ll cost and there received be in any hidden price.

As soon as your dealer makes a piece of product advice they have to offer you a mortgage illustration doc(s). This doc outlines the phrases and circumstances of the mortgage together with the main points of the mortgage. Because it incorporates all the important thing information on the mortgage, it’s often referred to as a key information illustration.

European Customary Info Sheet

The European Customary Info Sheet offers s customary format of pre-contractual info that must be supplied by a lender whereas issuing a mortgage. The Mortgages Conduct of Business (MCOB) guidelines of FCA mandates each lender to present this doc to their clients.

Elements to be thought-about earlier than selecting a mortgage:

What most individuals search for whereas going for a mortgage is a low-interest price. Nevertheless, there are a lot of different necessary elements that have to be thought-about earlier than making an alternative.

A few of the necessary elements are listed below:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the number of mortgage charges and rate of interest as a proportion.
Deposit measurement: Usually decrease rates of interest can be found with greater deposit quantities.
The usual price: It’s the price your mortgage will swap to as soon as the fixed-rate deal ends.
Length of curiosity?: Whether or not curiosity will probably be charged every day, month-to-month, or yearly? Every day curiosity usually works out cheaper.
Flexibility of repayments: Are you able to overpay your mortgage earlier than time without being charged? Can you be taking a break from making funds if at any time you’re amidst a financial disaster?