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Mortgages in Northern Ireland, explained plainly.

Written for people buying and borrowing here, not a rewrite of an English guide with the county names swapped.

Deposits, Co-Ownership, gifted deposits, mortgage in principle, and the NI stamp duty position.

Porting, early repayment charges, and buying before you sell.

Product transfers versus switching lender, timing, and borrowing more.

Rental cover, limited companies, and the 5% additional-property surcharge.

What lenders make of your accounts and how many years you really need.

Defaults, CCJs, DMPs and IVAs. What's possible and at what price.

Northern Ireland's shared ownership scheme and how the mortgage side works.

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.