Get in Touch
Get in touch with us, for a full no obligation consultation or visit our office.
How can we help you?
Tel: 028 9064 2000
Get in Touch
(028) 9064 2000
Email Us
Opening Hours
| Mon | 9am-5:30pm |
| Tues | 9am-5:30pm |
| Wed | 9am-5:30pm |
| Thurs | 9am-5:30pm |
| Fri | 9am-5:30pm |
| Sat | 9am-5:30pm |
Our Office
459 Ormeau Rd,
Belfast
BT7 3GQ
What we Do
Mortgage Solutions
First time buyers
Home movers
Remortgage
Equity release
Capital raise
Further advances
Product transfers
Buy to lets
Portfolio landlords
Let to buys
Co-ownership
Right to buy
End of term
Negative equity
Credit scoring issues
Mortgage Solutions
First time buyers
Home movers
Remortgage
Equity release
Capital raise
Further advances
Product transfers
Buy to lets
Portfolio landlords
Let to buys
Co-ownership
Right to buy
End of term
Negative equity
Credit scoring issues
Business Solutions
Protection Solutions
Financial Solutions
FAQs
What is a Mortgage?
A mortgage is a long-term loan secured on your home. ‘Secured’ means that, if you don’t keep up the repayments, the lender can repossess your home and sell it in order to get its money back.
How much can I borrow?
Most lenders will typically offer up to 4.5 times your income. Other lenders will look at ‘affordability’, basing their lending decision more on your credit history/credit score and your net pay after your regular bills and commitments. This can sometimes mean you can borrow more, but remember that you must always be sure you keep within your budget.
What do I need to bring to my appointment?
Your first appointment gives our advisors the opportunity to learn all about your circumstances and based on this will talk you through your options.
To help us gather the most accurate information and allow you to progress to a mortgage application, it is helpful to bring:
- Copy of photographic ID (e.g. Passport/Driving Licence)
- Most recent 3 months’ payslips (or last 2 years’ SA302s if self-employed)
- Most recent 3 months’ bank statements
- Proof of current address, such as recent utility bill or bank statement
What fees do I have to pay?
- Valuation Fee
All lenders require a Valuation to be carried out on your property to confirm its value. This is done for the lender’s benefit, to confirm the property is adequate security for the loan. This report will also highlight any concerns with the property. Some lenders will offer a free valuation – speak to our advisors for more information.
- Legal Fees & Outlay Costs
You will need a solicitor to carry out all the legal work (conveyancing) when buying or selling your home. Ask your solicitor to outline all costs to you at the outset. Your legal fees could amount to a substantial sum, so it is well worth shopping around for a competitive and experienced solicitor, who specialises in conveyancing.
We can advise you of the solicitors in your area, if you do not have a family solicitor. Please ask a member of our staff to advise you with regard to legal costs and they will be glad to help you.
- Stamp Duty
You may be required to pay stamp duty depending on the value of the property you are buying – speak to our Team of Advisors or refer to the Money Advice Service for more information.
Due to the changes each year it is best to call us to discuss.
- Our Fee
Speak to our Team today for more information.
What if I have bad credit?
What is shared ownership?
Shared Ownership allows you to part-buy and part-rent your home from a housing association. The share of the property you purchase is usually between 50% and 90% and you rent the remaining share from the housing association. It is possible to increase your share of the property until you own the entire the property – this process is called ‘staircasing’.
We are experienced advisors in dealing with both Co-Ownership and FairShare.