Fee Free Mortgage Advisor Belfast
Do you want to know how to start your mortgage journey? We're a fee-free mortgage advisor Belfast with a team of experienced advisers who offer free expert mortgage advice and support in securing the most suitable mortgage for you.
- Expert Mortgage Advice
- We Complete Your Application
- Access To The Best Mortgage Rates
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Our dedicated team at YesCanDo Money aims to make it easy for you to apply for a mortgage by helping you find the best deals possible throughout the application process and ultimately enabling you to secure your perfect mortgage.
As a fee-free mortgage broker based in England, we are experts in helping people secure a mortgage in Belfast, Northern Ireland or anywhere in the UK. Our team guide you through every stage of your mortgage journey from beginning to end.
Learn more about how we offer a fee free mortgage service.
- A TREE PLANTED FOR EVERY MORTGAGE
Fee Free Mortgage Broker Belfast
Don’t stress over finding the perfect mortgage alone. Our experienced mortgage broker Belfast will guide you through securing your ideal mortgage, deliver personalised and professional independent mortgage advice, and streamline the mortgage application process.
We are independent and unbiased, dedicated to assisting you at no charge from start to finish. Our top-rated fee-free service is highly rated and has received over 1,000 excellent reviews on Trustpilot.
Our mortgage advisors are experts in navigating the mortgage process. They ensure you receive comprehensive support in finding the right mortgage, securing life insurance, and managing your independent mortgage advice.
Mortgage Solutions for All
We aim to ensure that every homebuyer gets the best mortgage possible. We offer this because we believe no one should struggle with finding a suitable mortgage, whether buying their first house, remortgaging, planning to move, or investing in property.
14,000 Mortgage Deals from over 95+ Lenders
With our mortgage brokers in Belfast, you can access the “whole of market,” which includes all types of mortgage lenders, such as High Street banks and building societies. We partner with over 95 mortgage lenders and offer a range of over 14,000 mortgages to choose from.
Fee-Free Mortgage Advice & Support
We are committed to providing clear, professional guidance without any hidden fees. Our straightforward communication throughout the process ensures a transparent and accessible experience from start to finish, all at no cost to you. This fee-free approach makes it easier for you to navigate your mortgage options and saves you money at a time when it’s needed.
First-Time Buyer Mortgages in Belfast
Looking to buy your first home and wondering where to start? Partner with us for specialised support to secure your ideal first mortgage. We’re dedicated to transforming your homeownership aspirations into reality by providing:
Personalised Advice: Custom guidance based on your finances ensures the most applicable recommendations.
Exclusive Offers: Gain access to the most competitive interest rates and mortgage products unavailable to the general public.
Streamlined Approach: Our experienced mortgage advisors simplify the process by simplifying all paperwork. We liaise with your estate agents and solicitors to ensure that we give you a seamless home-buying experience possible.
Learn more about First Time Buyer Mortgages then get in touch for free advice.
Remortgage Services
Whether you’re seeking better rates or need funding for home renovations, our expertise in remortgaging offers both significant savings and comprehensive support throughout the process:
Competitive Rate Comparison: We diligently search for the best rates available.
Releasing Equity Advice: If releasing equity benefits you, we’ll guide you. If it’s not, we’ll be upfront about it.
Simplified Procedures: We handle everything, including communication with the lender and gathering documentation, saving time and effort.
Discover How to Remortgage here or get in touch for free advice and support.
Buy-to-Let Mortgages
For both seasoned and novice investors, our independent buy-to-let mortgage advice is designed to enhance your investment. We provide:
Support for Novice Investors: Rely on the expertise of seasoned professionals familiar with your investment journey.
Strategies for Portfolio Growth: We offer specific strategies for landlords aiming to expand their holdings.
Tailored Lender Matching: We identify mortgage providers that align with your investment objectives.
Discover more about Buy To Let Mortgages then get in touch for free mortgage advice.
Moving Home in Belfast
Are you planning to move within Belfast or to the surrounding area? Our expert guidance and support ensure a seamless transition to your new home with:
Bespoke Relocation Plans: Share your objectives, and we’ll craft a mortgage plan specifically for you.
Efficient Mortgage Transfers: Whether porting your mortgage or looking for a new deal, we guide you to the optimal solution.
Support Throughout: From our initial discussion to your move-in day, we’re here to assist every step of the way.
Discover your mortgage options when moving home then get in touch for free mortgage support.
Mortgage Protection in Belfast
Buying a house and getting a mortgage is a big financial responsibility. You need to make sure you are protected. YesCanDo Money offers different types of coverage for their customers, such as full insurance coverage for mortgage protection. We have been giving free advice on mortgages and protection insurance, which ensures that we deal with each client professionally and in a friendly manner that suits them best.
Buildings and Contents Insurance: This type of insurance is requried to be able to complete on a mortgage. It protects against damages or losses from incidents like fire or theft, covering the structure and its contents.
Critical Illness Cover: If diagnosed with a specified illness, this cover provides a lump sum payment, which can be used for medical expenses or living costs during a serious illness.
Life Assurance: Also known as Life Insurance, this protection pays out if you pass away during the policy term, helping your loved ones manage mortgage payments and living expenses.
Income Protection: Designed to replace income if illness or an accident prevents you from working, helping you maintain your mortgage and other financial obligations until you can return to work.
Mortgage Reviews in Belfast
Current Mortgage Rates Belfast
Mortgage rates in Belfast depend on the Bank of England base rate, your affordability rating, and the type of property you are considering. Mortgage lenders will take these factors into account before deciding how much to lend you and at what rates. The type of mortgage you choose and the mortgage term you decide on can also affect your mortgage offer.
According to ONS data, the average price of a property in Belfast in 2024 is £206,700. The table below shows the current mortgage rates for this average property price with a 80% loan to value £165,360 mortgage.
Other Mortgage Tools
Below are essential mortgage tools to help you navigate your home buying journey:
- Mortgage Rate Comparison Tool: This tool allows users to compare different mortgage rates available from over 95 UK mortgage lenders.
Mortgage Affordability Calculator: This tool offers potential buyers an estimate of how much they could borrow based on their income and outgoings, offering an effective starting point to understand their purchasing power.
Mortgage Repayment Calculator: By inputting loan amount, interest rate, and mortgage term, users can get an estimate of monthly repayments. It’s essential that users properly budget and ensure they can comfortably meet these payments.
For a comprehensive understanding of these calculators’ results, and to make informed decisions, get in touch with our fee-free mortgage advisors.
How Our Mortgage Advisor Process Works
Step 1: Tell Us About You
We’ll need to know a bit about your financial situation. This includes:
Your income
Your savings
This information helps us understand your borrowing capacity and find the best mortgage deal for you.
Step 2: We Search All Lenders For The Best Mortgage Deal
We will assess your credit score and borrowing capacity with most mortgage providers in the UK. We offer access to an array of mortgage deals from high-street lenders and niche providers to find you the ideal mortgage rate.
Step 3: Get Your Certificate Quickly
Once we have everything we need, we’ll quickly show you how much money you could borrow and provide a mortgage-in-principle certificate that can show estate agents and sellers that you are serious buyers.
Always keep in mind that our service is fully fee-free! We aim to make the mortgage process as straightforward and stress-free for our clients as possible. Get in touch with us now to begin your mortgage journey!
Get in Touch with our Expert Mortgage Advisers
Ready to start your mortgage journey? Get in touch with us today. You can call us, send us a message, or arrange a call or video call meeting. We look forward to helping you find the perfect mortgage.
Frequently Asked Questions
Is it worth getting a mortgage adviser?
Yes, a mortgage adviser can offer expert guidance, save you time, and help you find the best mortgage deals. They simplify the process and ensure you make informed decisions.
How much do mortgage advisors cost?
Mortgage adviser fees vary, typically ranging from £500 to £3,000. Some brokers offer fee-free services, earning through commissions from lenders instead.
Is it free to see a mortgage advisor?
Many mortgage advisors offer free initial consultations. Some brokers, like YesCanDo Money, usually provide their services without charging fees.
Is it hard to get a mortgage in Belfast?
Getting a mortgage in Belfast, Northern Ireland can be challenging due to fewer lenders and postcode restrictions. However, using a mortgage broker can simplify the process and improve your chances.
Is it cheaper to use a mortgage broker?
Using a mortgage broker can be cost-effective. They have access to exclusive deals and can find the best rates, potentially saving you money over the term of your mortgage.
Is it advisable to get a mortgage broker?
Yes, it is advisable to get a mortgage broker. They help navigate the complex mortgage market, secure the best deals, and offer valuable support.
Do you need to use a mortgage broker in Belfast?
No, you're not confined to using a mortgage broker in Belfast or Northern Ireland. Many excellent brokers across England and the UK offer remote services, allowing you to find the best broker nationwide.
Meet Our Advisor Team for Mortgages in Belfast
Expert Mortgage Advice Northern Ireland
We provide mortgage advice across Northern Ireland and throughout the UK. If you are local to the area and would like to talk to a specialist advisor please contact us.