E M Gray & Co
Belfast
Mortgage advice covering first-time buyers. E M Gray & Co has not recorded a fee structure.
Main contact
About E M Gray & Co
E M Gray & Co is a UK mortgage broker based in Belfast. Its website describes mortgage advice for first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
E M Gray & Co records one area of mortgage advice on MortgageMatch: first-time buyers. The firm is listed in Belfast.
A single recorded area does not necessarily mean a narrow practice — it may just be what the firm chose to list. Ask what else E M Gray & Co handles.
First-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask E M Gray & Co
Tailored to this listing.
- 1You list first-time buyers — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 4Do you see clients at your Belfast office, or is this handled by phone and video?
Getting in touch with E M Gray & Co
E M Gray & Co lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Have you used E M Gray & Co?
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Frequently asked questions
What does E M Gray & Co charge for mortgage advice?
Not recorded on this listing — ask E M Gray & Co directly, as it must tell you before you commit.
What types of mortgage does E M Gray & Co handle?
E M Gray & Co records first-time buyers, working from Belfast. Ask anyway if your case sits outside that list.
Does E M Gray & Co help first-time buyers?
First-time buyers are one of the groups E M Gray & Co lists. Expect a first conversation about your deposit, income and monthly commitments, followed by an agreement in principle you can show estate agents. Ask what the firm does after your offer is accepted, because that stretch — survey, offer, exchange — is where a broker earns their keep.
Does E M Gray & Co only cover Belfast?
E M Gray & Co is listed in Belfast, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Belfast on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.