Welcome to Mortgage Options ni

Why You Should Speak to Mortgage Options NI when you need a Mortgage?

40+ Years of Mortgage Success

Ross at Mortgage Options NI has been helping clients realise their dreams of owning their own home since 1980.

Independent Mortgage Brokers - We're Not Tied to one bank or Lender, So We Can Focus On Getting You The BEST DEAL On Your Mortgage

Mortgage Options NI have been Independent mortgage brokers for over 40 years. We have been helping people from Ballymena, Antrim, Randalstown and Ballyclare to find the best mortgage deals available on the market - not just from a single provider.

We can help you with all aspects of the Mortgage Application & Home Buying Process in Northern Ireland

We take the stress out of buying a home by advising on the legal side and setting up any insurance you may need.

We will always keep you in the loop as to what stage of the mortgage you are at..

Why do I need a mortgage broker, can't I just go to the bank?

You can of course go to your bank for a mortgage. Your bank may have three or four mortgage deals to offer you. These deals may not suit your purpose or your particular situation.

By trusting a mortgage broker it opens the gateway to some 72 lenders and 13,000 mortgage deals. You will find that the people who work in banks generally go to a broker for this reason.

How long does it take to get a mortgage in Northern Ireland?

People always ask how long does it take to get a mortgage. How long is a piece of string? It depends on a variety of things like, do you have your last three payslips, last three bank statements and are you on the voters role. Is your credit history in good order. You can check it on this link https://www.mortgageoptionsni.co.uk/credit-check/ All these things help speed up the process. But, generally speaking, two to three weeks if everything is in order.

What paperwork do I need to apply for a mortgage?

When you visit a broker you will need the following.

  • Identity. Driving licence or passport.
  • Three months payslips and three months bank statements

If you already have mortgage and wish to remortgage you will need your last mortgage statement with you. You do not want to be showing payday loans or gambling amounts on your statement as lenders tend to look down on this.

 

Individual advice
We provide our services to suit you, whether face to face, telephone or email
Full market mortgage finder
We search the whole market to ensure we find the right mortgage for you
Client for life philosophy
We continue to monitor the market place and will keep you updated on opportunities
Specialism
We provide advice on Second Charge loans.