Buying a home

Buying a new home can be a very stressful time. Our experienced team of mortgage advisors can help make the process run a lot smoother – from start to finish.

The most important thing, of course, is to find a competitive mortgage that’s right for you. But with so many mortgage deals out there it’s not always easy to make the right choice.

Remortgaging

There are many reasons why you might want to remortgage:

• Get a more competitive rate to lower your monthly repayments
• Raise cash from the equity in your home
• Consolidate your debts (This may result in lower monthly payments but extend the term over which the debt is paid and the overall cost may increase.)

Depending on your circumstances we may be able to find a lower interest rate on your mortgage with another lender.

First Time Buyers

Buying a first home and getting onto the property ladder can seem quite daunting. But with The Mortgage Shop, home ownership is a realistic goal for you. 

Mortgage advice you can trust

We will act as your mortgage broker, ensuring you receive advice you can trust and rely on. Your dedicated mortgage advisor will liaise with estate agents, lender, solicitor and insurance company, keeping you informed every step of the way.

Co-Ownership

Co-Ownership is a Shared Ownership scheme exclusively for Northern Ireland. If you hope to own your own home but think you can't quite afford a mortgage, Co-Ownership may help you onto the home ownership ladder.

The Co-Ownership website will give you more information on who can use Co-Ownership, what properties may be suitable, how to apply and answers some of your questions. Visit their website at www.co-ownership.org

Lifetime Mortgages

A Lifetime mortgage lets you release the equity you’ve accumulated in your property by means of a long term secured loan which is repaid when you die or go into long term care. To qualify you must be a homeowner and aged 55 or over.