Expert advice on Life Insurance, Mortgages and Wills in Northern Ireland
Covering counties Antrim, Down, Armagh, Derry-Londonderry, Fermanagh and Tyrone
Call our Newry office for 'No obligation' advice on 02830 252455
What does a Mortgage adviser do? call us now 028 30252455                  lines open Mon to Fri 8.30am-8pm Sat 9-5pm
Looking for  mortgage advice in Northern Ireland
What does a Mortgage Adviser do? 
Buying a property can be one of the most complex and stressful times of your life. The role of a Mortgage Adviser is to make this process straight forward, by guiding you through the range of Mortgages on offer and finding the most suitable deal for you and your circumstances. Whether you are a first-time buyer, re-mortgaging, or buying to let, a Mortgage Adviser will make the entire process a lot easier.

Professional Mortgage advisers have expert knowledge of the lending market. They are able to guide potential buyers, who need to find a Mortgage to purchase a property, through the huge range of deals, interest rates and incentives available.

A Mortgage Adviser will assess how much you can afford, and suggest the types of Mortgage that could suit your needs and circumstances. Your Mortgage Adviser will be able to tell you how much and which lenders would be prepared to lend to you, and advise on the most appropriate scheme available.

Plan ahead!
Have an initial consultation with a Mortgage Adviser before you find a property so that you have a rough idea of how much you will be able to borrow. Remember we are based right here in Northern Ireland and are only a phone call away.

What to expect at your first meeting with a Mortgage Adviser
Your Mortgage Adviser will review your financial circumstances in order to establish how much money it is possible for you to borrow. You will be asked about your credit history, income, outgoings, and you will be asked to provide documents to prove your circumstances. Be organized, your Mortgage Adviser will want to see evidence inc. pay slips, bank statements, P60s, utility bills, passports.

Your Adviser will then discuss the repayments you can afford, the most suitable interest rate, whether it is fixed rate or variable, and will try to get you the right deal for your circumstances. You will be guided through a lender application form by your mortgage adviser. Once you have completed this, stating the amount you wish to borrow. The application will be submitted to the lender for approval. Following credit checks, the lender may send a valuer to look at your chosen property. The valuers role is to establish that, if you are unable to keep up mortgage repayments and the lender needs to sell your property to regain the loan, the property is definitely worth as much as you are asking to borrow. The lender will then make you a Mortgage offer.

Local Mortgage advisers
We at Sugar Island Financial Advice are your local Mortgage experts in Northern Ireland covering counties Down, Armagh, Antrim, Derry-Londonderry, Fermanagh and Tyrone. We are right here on your doorstep.

Buy to let mortgages are not regulated by the Financial Conduct Authority

Request 'No obligation' Mortgage advice
Are you seeking Mortgage advice in Northern Ireland? Call us now, for no obligation advice on 028 30252455 our lines are open Mon to Fri Between 8.30am and 8.00pm, Sat 9.00-5.00pm and Sun 9.00am-1pm or click the ‘Enquire Now’ button opposite we’d love to hear from you!

We will be more than happy to answer any questions you have. For no obligation Mortgage advice speak to our Mortgage Adviser today.


Your home may be repossessed if you do not keep up repayments on your mortgage. A fee of £195 is payable on application.

The information on this website is subject to the UK regulatory regime and therefore targeted at consumers based in the UK.