Every mortgage in Northern Ireland starts with BT.
Tell us your postcode and what you're doing. We match you with a local, FCA-authorised mortgage broker who deals with your kind of case every week, and they call you back.
- Free to use
- No obligation
- Brokers who know NI lenders
- Reply within one working day
Why go through a broker at all?
Banks show you their own products. A whole-of-market broker in Northern Ireland can compare lenders including the local building societies and banks that comparison sites often miss, and they know which lenders are comfortable with NI specifics like Co-Ownership, rural sites and self-builds.
Access to more lenders
Brokers see products that never appear on price-comparison sites, including broker-only rates and lenders who lend on land, flats above shops and non-standard construction.
Local knowledge
The brokers we work with are based in Northern Ireland. They know the estate agents, the solicitors and which lenders will value a house in Dromara the same way they value one in Dunmurry.
Regulated advice
Every broker we introduce is authorised and regulated by the Financial Conduct Authority. Their advice is protected, and if something goes wrong you have the Financial Ombudsman behind you.
What are you trying to do?
Each of these has its own quirks in Northern Ireland. Pick the one that fits and we'll explain what to expect before you speak to anyone.
Buy your first home
Deposits, Co-Ownership, gifted deposits and what "mortgage in principle" actually means.
First-time buyer guideMove house
Porting your current deal, bridging the gap between selling and buying, and early repayment charges.
Moving home guideRemortgage
Your fixed rate is ending. What a product transfer is, when to switch lender, and how far ahead to start.
Remortgage guideBuy-to-let
Rental cover tests, limited-company borrowing and the 5% stamp duty surcharge on additional properties.
Buy-to-let guideSelf-employed
How lenders read your accounts, what one year of trading gets you, and why a broker matters more here.
Self-employed guideCredit problems
Missed payments, defaults, CCJs and IVAs. What is still possible and what it costs.
Credit problems guideHow the matching works
There is no algorithm pretending to be a person. You answer a few questions, we read them, and we pass you to the broker best placed to help.
Read the full process, including what we do with your details.
Tell us the basics
Postcode, what you're doing, rough numbers, and how to reach you. Two minutes.
We match you
Your enquiry goes to one FCA-authorised broker in Northern Ireland who handles your type of case. Not a list of ten.
The broker calls you
Usually within one working day. They give the advice, source the mortgage and handle the application. Their fee arrangement is agreed with you directly and disclosed up front.
Work the numbers first
Three calculators, no email address required.
Monthly repayments
What a given loan costs each month at a given rate and term, repayment or interest-only.
Repayment calculatorHow much could I borrow?
A quick guide based on income multiples, with the property price your deposit would reach.
Borrowing calculatorStamp duty
Current SDLT bands for Northern Ireland, including first-time buyer relief and the additional-property surcharge.
Stamp duty calculatorQuestions people ask before they fill in the form
Is this free?
Yes. You pay us nothing. The broker pays us a fee for the introduction, which doesn't change what you pay them. Brokers in Northern Ireland are often fee-free to the client because the lender pays them a procuration fee; where a broker does charge, they tell you before you commit to anything.
Are you a mortgage broker?
No. We are an introducer. We don't give advice and we don't arrange mortgages. We put you in touch with a broker who is authorised and regulated by the Financial Conduct Authority, and they take it from there.
Who gets my details?
One broker, named in our privacy notice, chosen for your type of case. We don't sell your details to a list of firms and we don't pass them to anyone else without asking you.
Do you cover all of Northern Ireland?
Yes. Any BT postcode. Most of our enquiries come from greater Belfast, Lisburn, North Down and Ards, but the brokers we work with cover the whole of Northern Ireland.
What if I've been turned down by my bank?
Tell us in the form. A refusal from one lender is not a refusal from all of them. Brokers deal with lenders who take a more individual view of self-employed income, credit history and unusual properties.
Ready to talk to a broker who knows Northern Ireland?
Two minutes of questions. No fee. A broker calls you back, usually within one working day.
Get matched with a broker