Mortgages & Our Services
What we can do for you and what services we offer.
FIRST TIME BUYER MORTGAGES
We specialise in mortgages for first-time buyers across Northern Ireland and the UK. Whether you're just starting your search or already have a home in mind, we’ll guide you through the entire process.
Get a fast, accurate mortgage in principle without the stress
We’ll check your details and get your Agreement in Principle sorted quickly — often within 24 hours. You’ll know what lenders are willing to offer and can move forward confidently. It’s obligation-free and doesn’t mean you have to use that lender when it comes time to apply.
Access exclusive deals and lenders that work well with first-time buyers
We search the market for the best deals and lenders who are first-time buyer friendly — including some you won’t find on comparison sites. Whether you’ve got a small deposit or a tricky credit history, we know which lenders are likely to say yes and offer great value.
Support with paperwork, mortgage applications, surveys, and insurance
We’ll handle the heavy lifting — from submitting your mortgage application to helping with property surveys and getting the right insurance in place. We’ll explain each step in plain English and keep you updated throughout, so you feel in control and supported right through to getting your keys.
DEPOSIT ADVICE
Think you need a huge deposit to buy your first home? You might be surprised. We’ll help you understand your options — including how to use gifted deposits, low-deposit mortgages, and available schemes.
Advice on how much deposit you need (it’s often less than you think)
We’ll explain the different deposit amounts lenders require and what impact it has on your mortgage rate. Even if you only have 5%, there are still options. We'll also look at whether saving a little more might make a big difference to your overall deal.
Guidance on using gifted money or family help the right way
If you’re getting help from family, it’s important to do it properly. We’ll make sure all the paperwork is done right, that the lender is happy with it, and that you don’t hit any roadblocks during the process. We’ll also guide you on how much is enough.
Explore 5% deposit mortgages and first-time buyer incentives
There are lenders who accept just 5% deposits — and we’ll help you find the right one. We’ll also show you what support might be available, such as government schemes or incentives for first-time buyers, so you can make your money go further.
MORTGAGE IN PRINCIPLE
Before you start viewing homes, it’s worth having a mortgage in principle. It shows estate agents and sellers you’re serious — and helps you understand what you can afford.
Get a fast, accurate mortgage in principle without the stress
We’ll check your details and get your Agreement in Principle sorted quickly — often within 24 hours. You’ll know what lenders are willing to offer and can move forward confidently. It’s obligation-free and doesn’t mean you have to use that lender when it comes time to apply.
Understand how much you can borrow and what it means
We’ll explain the difference between your maximum borrowing amount and what’s actually affordable for your budget. That way, you can house-hunt realistically without overstretching. We also help you understand what affects your borrowing — from income and credit score to existing commitments.
Boost your chances of approval when you apply for the full mortgage
Getting your mortgage in principle with us means we’re already laying the groundwork for your full mortgage application. We’ll spot any potential issues early, clean up your file if needed, and make sure you’re putting your best foot forward when it’s time to go full steam ahead.
Your Home May Be Repossessed If You Do Not Keep Up Your Mortgage Repayments.
PROTECTION
Buying a home is a big commitment — and it’s worth protecting. We’ll help you understand what cover you need (and what you don’t) so your family and finances are protected no matter what life throws at you.
Tailored advice on life cover, critical illness, and income protection
We’ll look at your situation — your job, your family, your mortgage — and recommend protection that suits your needs. Whether it’s life cover, critical illness, or income protection, we’ll build a plan that protects what matters most, without overpaying for things you don’t need.
Policies explained in plain English, with no pushy sales tactics
Insurance can feel overwhelming, but we’ll break it down in a way that makes sense. We’ll answer your questions honestly and give you the space to decide. No hard sell — just simple, straightforward advice from someone who genuinely wants the best outcome for you.
Protection designed to fit your budget and your family’s needs
We know money can be tight — especially for first-time buyers. We’ll help you get the right protection in place without blowing your budget. Even a small policy can make a big difference. We'll help you find the balance between affordability and peace of mind.
CREDIT FILE HELP
Your credit report plays a big role in whether your mortgage gets approved. Don’t let old mistakes or small issues hold you back. We’ll help you tidy up your credit and understand how lenders see you.
Step-by-step help to check and clean up your credit report
We’ll walk you through getting your credit report from the top UK agencies — and show you how to spot errors, remove outdated info, and fix any issues. You’ll leave with a clear plan and practical steps to boost your score quickly and safely.
Tips to boost your score and avoid common mistakes
We’ll share tried-and-tested tips to improve your credit rating — from getting on the electoral roll to using credit the smart way. We’ll also highlight the things that trip people up, like payday loans or missed payments, and how to avoid them before you apply.
Know what’s holding you back — and how to fix it
If your credit isn’t perfect, don’t panic. We’ll help you understand exactly what’s causing issues, and what impact it’s having on your mortgage options. Then we’ll create a plan to improve it — whether that means small fixes or simply applying to the right lender.
CO-OWNERSHIP
Struggling to afford a home on your own? Co-Ownership might be your stepping stone onto the ladder. We’ll guide you through it with no jargon.
Step-by-step guidance on how co-ownership works and if you're eligible
We’ll explain exactly how Co-Ownership works, including how much of the property you’ll own, how rent is calculated, and how you can buy more over time. We’ll also check your eligibility and help you weigh up the pros and cons so you can decide if it’s right for you.
Support with both the mortgage and co-ownership application process
We don’t just help with the mortgage side — we also walk you through the Co-Ownership application itself. That means one point of contact for the whole process, and someone who knows how to avoid delays or mistakes that could hold things up unnecessarily.
Expert advice to make sure co-ownership is the right fit for your goals
Co-Ownership can be a great option, but it’s not for everyone. We’ll help you understand the long-term impact — including your ability to staircase (buy more) later — and whether a different route might suit your plans better. You’ll get honest, personalised advice every step of the way.
BUDGET PLANNING
Not sure what you can afford? We’ll help you build a clear, realistic budget — so you don’t overstretch yourself or waste time looking at homes outside your range.
Step-by-step help to check and clean up your credit report
We’ll walk you through getting your credit report from the top UK agencies — and show you how to spot errors, remove outdated info, and fix any issues. You’ll leave with a clear plan and practical steps to boost your score quickly and safely.
Tips to boost your score and avoid common mistakes
We’ll share tried-and-tested tips to improve your credit rating — from getting on the electoral roll to using credit the smart way. We’ll also highlight the things that trip people up, like payday loans or missed payments, and how to avoid them before you apply.
Tools and tips to stay in control of your spending
We’ll share practical tools and budgeting tips to help you stay on top of your finances — whether you're still saving for a deposit or planning your first few months in your new home. It’s not just about getting a mortgage — it’s about keeping it manageable.
Your Home May Be Repossessed If You Do Not Keep Up Your Mortgage Repayments.
Mortgage Reviews
Getting the keys isn’t the end of the journey — we’re here for the long haul. We offer ongoing mortgage reviews for all our first-time buyer clients, helping you stay on the best deal and plan for what’s next.
Stay on track with regular reviews — even after you move in
We don’t disappear once your mortgage completes. We’ll check in regularly to review your mortgage, track when your current deal is ending, and make sure you're not overpaying. You’ll always know your options — whether it's a product transfer, remortgage, or just staying put for now..
No extra fee for standard reviews — we’re here to help
As part of our service, we offer free reviews to existing clients where no major changes are requested. That means you can check in with us for guidance without worrying about being charged — unless there’s a complex change like borrowing more or switching to a new lender.
Plan ahead with expert advice on your next steps
Thinking about moving, extending your mortgage, or changing your term? We’ll help you understand the pros and cons and what it means for your budget and future plans. We’re here to help you make confident decisions every step of the way — not just the first one.
Moving Home Mortgages
Already a homeowner and looking to move? We’ll help you switch smoothly — whether you’re porting your current mortgage or starting fresh with a new deal.
Compare your options — port your mortgage or find a better deal
We’ll explain whether it’s better to transfer your current mortgage to your new home or apply for a new one entirely. We look at fees, rates, and flexibility — and always recommend the route that gives you the most value and control over the move.
Plan your move with clear costs and timelines
Moving house has a lot of moving parts — we help you understand the full financial picture. That includes early repayment charges, deposit options, solicitor fees, and when each part needs to be paid. You’ll feel organised and financially prepared from day one to moving day.
Get expert help with paperwork, insurance, and lender approval
From application forms to proof of income and ID, we’ll guide you through every step. We’ll also help you line up the right protection cover for your new mortgage, so your family and finances are protected from day one in your new home.