The Mortgage Shop
Belfast
Mortgage advice covering bad / adverse credit, later life / equity release, buy-to-let and 2 more. The Mortgage Shop is listed as fee-free.
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About The Mortgage Shop
The Mortgage Shop is a UK mortgage broker based in Belfast. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
The Mortgage Shop records 5 areas of advice from its base in Belfast: bad / adverse credit, later life / equity release, buy-to-let, first-time buyers and residential.
Pairing first-time-buyer work with adverse credit is worth noting: a thin or damaged credit file is the single most common reason a first purchase falls over, and it needs a lender chosen for that rather than for its rate.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideLater Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
Read the buy-to-let guideFirst-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. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideFees: what this means for you
Fee-free to you
Fee-free means the lender pays this firm a procuration fee on completion, so the advice costs you nothing directly. You still pay any lender product fee, valuation and legal costs. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
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 The Mortgage Shop
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2You are listed as fee-free — does that hold for a case like mine, and what will the lender be paying you?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Belfast office, or is this handled by phone and video?
Getting in touch with The Mortgage Shop
The Mortgage Shop 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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Frequently asked questions
What does The Mortgage Shop charge for mortgage advice?
The Mortgage Shop is listed on MortgageMatch as fee-free, meaning the broker is paid commission by the lender rather than charging you for advice. You would still pay any lender product fee, valuation and legal costs. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does The Mortgage Shop handle?
The Mortgage Shop records bad / adverse credit, later life / equity release, buy-to-let, first-time buyers and residential, working from Belfast. Ask anyway if your case sits outside that list.
Can The Mortgage Shop help if I have bad credit?
The Mortgage Shop lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does The Mortgage Shop only cover Belfast?
The Mortgage Shop 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.