Business Details
22 Years
experience
Trusted Mortgage Brokers in Coleraine
RLA Mortgages has been providing tailored mortgage and protection advice for over 13 years. Founded by Richard Mairs, who has operated in the industry since 1998, the business combines extensive expertise with a personal approach to client relationships. Our services span first-time buyer mortgages, remortgaging, self-build projects, and buy-to-let portfolios, alongside life cover and income protection.We prioritise transparency, offering a comprehensive market panel to secure competitive deals while adhering to regulatory standards under the Financial Conduct Authority. Our commitment to client satisfaction is reflected in our community engagement and referrals from satisfied customers.
Services
Mortgages
Life Cover
Home Insurance
Buy to Let Mortgages
Income Protection
Details
- Year established: 2004
Highlights and features
- We offer over 13 years of experience in mortgage and protection advice.
- Our comprehensive market panel ensures competitive mortgage deals for clients.
- Personalised service tailored to individual financial circumstances.
- Regulated by the Financial Conduct Authority for compliance and transparency.
- Deep local community involvement and client referrals.
Associations and certifications
- Financial Conduct Authority
- PRIMIS Mortgage Network
Services
Mortgages
We provide tailored mortgage solutions for first-time buyers, remortgaging, and buy-to-let portfolios. Our comprehensive market panel ensures competitive rates, with advice focused on long-term affordability and client needs. Services include self-build mortgages and portfolio management for property investors.
Life Cover
Life cover options include level and decreasing term assurance to protect dependants against financial loss. Policies are designed to align with mortgage obligations or provide lump-sum payouts, ensuring financial security for families in the event of illness, disability, or death.
Home Insurance
We offer buildings and contents insurance for residential and investment properties. Coverage includes flood, fire, theft, and accidental damage, with competitive quotes tailored to individual needs and lender requirements.
Buy to Let Mortgages
Specialised financing for property investors, including portfolio management and competitive deal reviews. Services focus on minimising costs, refinancing strategies, and regulatory compliance for landlords seeking to expand or maintain their property investments.
Income Protection
Income protection insurance provides financial support during illness or injury, paying a regular income until return to work, retirement, or policy end. Coverage ensures continuity of earnings for clients unable to work due to unforeseen circumstances.
People
Richard Mairs
Principal Mortgage Advisor
Richard has over 20 years of experience in mortgages and protection, operating as RLA Mortgages since 2004. He combines local community ties with industry expertise, offering a client-focused approach to financial advice.
Julie
Insurance Specialist
Julie brings 17 years of general insurance experience, specialising in personal and commercial policies. Her background includes roles at Northern Ireland's leading brokerage firms, focusing on tailored client solutions and risk management.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let portfolios, self-build mortgages, and portfolio management for property investors.
Are your mortgage advisors regulated?
Yes, we are an Appointed Representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.
Do you charge fees for mortgage advice?
Our mortgage advice fees range from £0 to £500, depending on the mortgage value and administrative requirements.
What protection products are available?
We offer life cover, critical illness cover, and income protection insurance tailored to individual financial circumstances.
Can you help with home insurance?
Yes, we provide buildings, contents, and buy-to-let insurance through a competitive panel of providers.
