Mortgage deals ni

If you have any questions about getting a mortgage or need advice about making changes to your existing mortgage, please get in touch. You can speak to a mortgage consultant in our local branch in Newtownards. Call Message us.

Thank you for contacting us. We will get back to you as soon as possible. Discount mortgages could be great as monthly repayments could fall as well as rise, but are a little more complex and unpredictable compared to trackers. Available with fixed or variable rates, offsets are great for paying off your mortgage quickly.

First time buyer: A first-time buyer mortgage is aimed specifically at those who are buying a property in the UK for the first time. It often includes deals and incentives, such as cashback or lower deposits, with the aim of helping you get your first home. Remortgage: Remortgaging is the process of switching your existing mortgage to a new deal, using the same property as security.

You can remortgage with the same lender or a different provider. Second mortgage: As the name implies, a second mortgage will mean that you have two mortgages on your home. It is a secured loan taken out in addition to your first mortgage, against the equity in your property. We have a basic calculator and an eligibility calculator to help you with this. Basic mortgage calculator : a quick and easy way to help you work out how much you could borrow. Remember, the actual amount you could borrow will depend on a number of factors, including the deposit you have, any outstanding credit commitments and your monthly outgoings.

Mortgage eligibility calculator : our eligibility calculator goes one step further than the basic calculator. Mortgage rates are largely dependent on whether the Bank of England Base Rate goes up or down. Of course, even if they move during the next 12 months, if you have a 'fixed' mortgage you won't be affected until the term ends. They include Stamp Duty and search fees.

Stamp duty is a tax paid by the buyer on the purchase price of a property and is related to the size of your mortgage. Your results are arranged in order of monthly payment. Once we have carried out your affordability assessment we can proceed with an initial decision in principle with your selected lender this will provide you with a certificate that you can give to your estate agent to show that you can get a mortgage. Step 3 Apply with us. Once you have made a successful bid on a property you can proceed with a full mortgage application. We will require payslips, bank statements and proof of ID at this stage, most lenders can produce a full mortgage offer within roughly 10 days from the date of application.

Step 4 Track and Chase. Our service doesn't stop when your offer is produced we will liase with your estate agent and your solicitor to make sure that your purchase or re-mortgage completes without a hitch. What we do? Mortgages Northern Ireland operate a fee free mortgage advice service across all of Northern Ireland. We search through a comprehensive range of Mortgage products in order to find the most suitable deal for you.

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We belong to the First Complete network and are fully regulated and compliant with the Financial Conduct Authority. Our Mortgage Advisers have a wealth of knowledge and experience working with customers just like you and are waiting to assist with any mortgage related enquiry that you may have. Choosing a mortgage is one of the biggest financial decisions you're ever likely to make. There are thousands of mortgage deals out there and we are here to help you choose the right one.

Our experts can help you get your foot on the property ladder. Self Build.