Business Details
Your Trusted Mortgage Advisers in Northern Ireland
Mortgages Northern Ireland provides fee-free mortgage advice across Northern Ireland, operating as a trading style of Mind My Mortgage Ltd. Our service is regulated by the Financial Conduct Authority through our affiliation with First Complete Limited and PRIMIS Mortgage Network. We specialise in helping first-time buyers, remortgagers, buy-to-let investors, and self-employed individuals access competitive mortgage deals tailored to their specific needs. With a process designed to eliminate hidden costs, we offer transparent guidance from initial consultation to mortgage completion. Our advisers conduct detailed affordability assessments and collaborate with lenders to secure decisions in principle, ensuring clients demonstrate credibility to estate agents.We maintain data protection compliance and prioritise client confidentiality throughout the mortgage journey. Our team leverages extensive industry experience to navigate thousands of mortgage products, focusing on finding suitable solutions while adhering to lender eligibility criteria. We operate Monday to Saturday 9am-7pm, offering face-to-face consultations at client-convenient locations. As an appointed representative of a fully authorised network, we balance regulatory compliance with personalised service delivery. Clients receive ongoing support through property transactions, with our advisers available to address mortgage-related queries at any stage.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Re-mortgage Services
Self-Build Mortgages
Self-Employed Mortgages
Highlights and features
- We offer completely free mortgage advice with no hidden fees
- Our advisers operate under FCA regulation through PRIMIS Mortgage Network
- We access a comprehensive range of mortgage products for all buyer types
- Our process includes detailed affordability assessments before credit checks
- We provide ongoing support from initial consultation to mortgage completion
Associations and certifications
- Financial Conduct Authority
- PRIMIS Mortgage Network
Services
First Time Buyer Mortgages
We specialise in helping first-time buyers access competitive mortgage deals. Our advisers conduct detailed affordability assessments to determine borrowing capacity before initiating credit checks. We guide clients through government schemes like Right to Buy and Co-Ownership, while providing market insights to secure suitable first homes. Our FCA-regulated process ensures transparency throughout.
Buy to Let Mortgages
Our buy-to-let specialists assist property investors with portfolio expansion or first-time purchases. We assess rental income requirements against lender criteria, including Birmingham Midshires mortgage options. Services cover portfolio reviews, tax-efficient structuring, and remortgage opportunities for existing investors. We provide market analysis to optimise investment returns.
Re-mortgage Services
We help homeowners reduce monthly payments, shorten mortgage terms, or release equity through re-mortgaging. Our process includes market comparisons to find better rates, debt consolidation options, and completion support with solicitors. We ensure clients understand potential early repayment charges before proceeding.
Self-Build Mortgages
Our self-build mortgage service supports clients constructing their own homes. We connect applicants with lenders offering staged payments aligned to construction phases. Advisers help assess project viability, secure planning permissions, and navigate specialist lending criteria for bespoke property developments.
Self-Employed Mortgages
We assist self-employed individuals with complex income structures to secure mortgage approval. Our advisers demonstrate how business accounts, dividends, and retained profits meet lender affordability criteria. We maintain relationships with lenders specialising in non-standard income verification for contractors and business owners.
Questions
Do you charge fees for mortgage advice?
No, we provide completely free mortgage advice with no application, administration, or advice fees.
Are your services regulated by financial authorities?
Yes, we operate under the Financial Conduct Authority through our affiliation with PRIMIS Mortgage Network.
How do you find suitable mortgage deals?
We access thousands of mortgage products across multiple lenders to find the most suitable deal for your circumstances.
What mortgage types do you specialise in?
We specialise in first-time buyer, buy-to-let, remortgage, self-build, and self-employed mortgage solutions.
What happens during the mortgage application process?
We conduct initial affordability assessments, secure decisions in principle, then manage full applications with required documentation.
Can you help with adverse credit mortgages?
While not explicitly stated, our advisers work with specialist lenders to address non-standard credit situations where possible.
