Belfast mortgage broker
Belfast property is Northern Ireland's most active market and runs on a different legal track to GB. We work with lenders and solicitors familiar with NI conveyancing and the local stamp duty regime.
- Lenders comfortable with Northern Ireland conveyancing
- Co-Ownership scheme specialists for first-time buyers
- Strong buy-to-let yields in Holylands and Stranmillis
- Help-to-Buy NI variant guidance
Where we work in Belfast
Not in Belfast centre? We work across Northern Ireland and the wider UK. Call us with your postcode for a tailored answer.
Belfast mortgage FAQs
Do I need a local mortgage broker for Belfast?
Not legally — UK lenders work nationwide — but a broker who knows Belfast property stock and lender preferences typically secures better rates than a generic one. We've placed hundreds of loans in the city.
How much deposit do I need to buy in Belfast?
For residential mortgages, lenders typically require 5-10% deposit (95-90% LTV). For buy-to-let, expect 25% (75% LTV). High-value properties (>£1m) usually need 25-40% deposit.
How fast can you arrange a mortgage offer?
Decision in Principle: same day. Full mortgage offer: typically 2-4 weeks once we have your full document pack and a property under offer. We push hard to compress this where chains are time-sensitive.
Do you charge fees?
No — we are paid by the lender, not by you. There are no broker fees on a standard residential or buy-to-let mortgage placed through our network.
What if I am self-employed or have complex income?
We have direct relationships with lenders that specialise in self-employed (1 year accounts), contractor day-rate, foreign income, and bonus-based applications. Pre-application packaging is where we add the most value.