The Mortgage Clinic Blog
The Mortgage Clinic Blog
It's tempting to try to go it alone thinking you will save money using price comparison sites like ‘Compare the Meerkats’ and ‘Money saving X &...
What is public liability insurance and who needs it? Disasters don't just happen to other people. Well they do, but they can most definitely,...
Buying your first property is an incredibly exciting time.... But we can get caught up in the emotion and fail to do some essential homework! Prior...
Each year 1 million people in the UK find themselves unable to work due to serious illness or injury (money advice service 2017), and for those that...
Stamp Duty Axed for Most First Time Buyers The Chancellor recently announced with immediate effect, that first time buyers will pay 0% stamp...
A mortgage is probably the largest commitment that we will ever take out over the duration of our lives, and if taken out over 25 or 30 years we are...
And then what happens?
- You view the properties you’re interested in, within the budget we have agreed
- When you find your favourite, register a bid
- Have a bid accepted and get your property ‘sale agreed’
- We check again for the best mortgage deal that’s right for your circumstances
- We complete your Co-Ownership application and mortgage application
- Property valuation is carried out by Co-Ownership and the chosen mortgage lender
- The Co-Ownership issues their decision letter
- Lender issues a mortgage offer
- In the meantime your solicitor will have been working in the background making the necessary checks etc
- Completion date agreed
- Collect your keys and get ready to move into your new home
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your first meeting is FREE of charge.
If you instruct us to work on your behalf there will usually be a research and implementation fee. The actual amount you pay will depend upon your individual circumstances but a typical fee is £250 and this is payable when you instruct us.
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We will never share your information with a 3rd party. We hate spam just as much as you do!
Why Choose Us for MortGage Rates NI
We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.
We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.
We offer independent advice, and can find you the best deals available for your circumstances!
From Our Clients
"Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially." read more..
"As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor belfast at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service"
"We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!"
"I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !"