5 Best Mortgage Brokers in Belfast for Top Home Loan Deals
Buying a home anywhere in Northern Ireland can quickly feel overwhelming, especially when navigating strict deposit requirements and a maze of lending options. Having the right expertise in your corner makes all the difference.
Whether you’re a first-time buyer stepping onto the property ladder or an existing homeowner looking to remortgage, working with a trusted mortgage broker takes the stress out of securing the best rates.
To keep your broader wealth strategy on track, consulting with qualified financial advisers is a smart move as well.
To help you move forward with confidence, we’ve vetted and ranked the best mortgage brokers in Belfast available today!
How much does hiring a mortgage broker cost in Belfast?
A mortgage broker in Belfast typically costs between £0 and £500 for standard applications, while more complex cases can reach up to £1,450.
| Fee Structure | Typical Cost | Key Details |
| Fee-Free Brokers | £0 | Earn 100% via lender procuration fees (0.35%–0.4%) |
| Fixed-Fee Brokers | £195 to £495 | Flat fee charged upon application or completion |
| Percentage-Based Brokers | 0.3% to 1% of loan | Example: £600 fee on a £200,000 mortgage |
| Complex Applications | Up to £1,450 | Tailored fees for complex income or credit histories |
1. Laura Lewis Financial
Website: https://lauralewisfinancial.com/
Address: The Kelvin, 17-25 College Square East
Contact: +44 7414 135395
Hours: Monday, Wednesday, Friday, 9:00 AM – 5:00 PM | Tuesday, Thursday, 9:00 AM – 8:00 PM
Finding a mortgage deal that fits your unique budget doesn’t have to feel like a full-time job. At Laura Lewis Financial, you get access to a comprehensive panel covering the whole of the UK market to secure the best possible rates.
Bringing over 20 years of hands-on advisory experience, Laura delivers personalised one-to-one guidance through every stage, from initial application prep and paperwork right through to final completion.
She also offers a complimentary, no-obligation consultation to help you evaluate your true borrowing power.
When we spoke directly with a recent client, they praised how smoothly Laura handled their self-employed income details without any unexpected delays.
Keep in mind that a broker advice fee averaging around £195 can apply for more complex cases. Nonetheless, her seamless end-to-end management consistently saves buyers precious time and effort.
Very proactive and works quickly
The absolute best mortgage broker I’ve ever worked with! Laura is so helpful completely understood my aims and gave me advice that I didn’t get from other brokers (including the banks mortgage brokers). She is very proactive and works quickly and efficiently which I really appreciated as I was against the clock for my Help to Buy repayment. I will only be using her services going forward!! Absolutely the best; thank you so much Laura!!
Christine Meredith | Google Review
Made our first mortgage stress free and so easy to understand
I would highly recommend Laura as your mortgage broker🙏 She is very professional, knowledgeable and just a delightful person to work with 🙂 She made our first mortgage stress free and so easy to understand. Much appreciated 👍 …
romanidzeee | Google Review
2. The Mortgage Clinic | Broker & Advisor
Website: https://themortgageclinicuk.co.uk/
Address: 243 Upper Newtownards Road, Ballyhackamore
Contact: 028 9560 9410
Hours: Monday-Thursday, 8:30 AM – 7:00 PM | Friday, 8:30 AM – 5:30 PM | Saturday, 9:00 AM – 1:00 PM
The Mortgage Clinic searches the whole UK market and offers a free initial planning consultation for first-time buyers and home movers.
Stepping onto the property ladder becomes far easier when you work with an independent broker like them who can access exclusive broker-only deals.
Their advisors compare products across major lenders to match your specific budget needs. They even assist with credit report reviews and secure your Agreement in Principle without fuss.
They also make things more convenient by operating multiple Belfast branches alongside home visit appointments.
On the downside, you’ll need to budget for a research fee of around £250 if you instruct them to act on your behalf.
Made the process simple and enjoyable
We used the mortgage clinic for our first property purchase however I will continue to use them in the future as required, thoroughly recommend for anyone obtaining a new mortgage or remortgage. Laura was our personal broker and she went above and beyond to keep us informed and made the process simple and enjoyable whilst completing it all in a speedy fashion. Can’t thank you enough Laura!
Sarah | Google Review
I have high confidence in his services
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 adviser 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 broker I have ever came across and I have high confidence in his services.
Thank you !
Eve Pia | Google Review
3. Crawford Mulholland Mortgage Advisors Belfast
Website: https://crawfordmulholland.com/
Address: 348 Lisburn Road
Contact: 028 9066 5544
Hours: Monday-Friday, 9:00 AM – 5:00 PM
Crawford Mulholland Mortgage Advisors Belfast brings over 50 years of combined experience to help buyers unlock unadvertised rates. They provide a free initial consultation and assist with everything from affordability checks to final approval.
With them, securing flexible financing is much simpler because they can connect you with over 60 lenders and thousands of tailored mortgage deals. Plus, they regularly handle self-employed applications, contractor terms, and co-ownership setups.
During our recent conversation with one of their advisors, they explained how easily they accommodate tight work schedules through early morning and evening appointments.
However, you should note that approval isn’t immediate since lender underwriting takes several stages. Additionally, any dispute requires following a strict formal internal complaints procedure.
Good advice on how to pay of mortgage quicker
Abbie helped us through a remortgage. Would strongly recommend their broker service as an alternative to high street banks. The process was quick and her honesty and professionalism got us the best deal, as well as some good advice on how to pay of mortgage quicker.
Turfsniffer | Google Review
Made what could have been a stressful experience much smoother
We had an excellent experience working with Crawford Mulholland.
Special thanks to Daniel, who guided us through every step of the process. He was incredibly professional, prompt in responding to any queries or concerns we had, and made what could have been a stressful experience much smoother.
We highly recommend their services to anyone in need of a mortgage broker!
Elaine Tsang | Google Review
4. Mortgage Solutions Belfast
Website: https://mortgagesolutionsbelfast.com/
Address: 459 Ormeau Rd, Ormeau
Contact: 028 9064 2000
Hours: Monday-Saturday, 9:00 AM – 5:30 PM
Mortgage Solutions Belfast stands out for assigning a dedicated advisor who handles communications with lenders, estate agents, and solicitors.
Managing property purchases feels far smoother when you work directly with a single specialist throughout your entire journey! They also guide first-time buyers, co-ownership applicants, and clients with complex income structures.
Another plus is their over 25 years of local experience, which translates to their wide lender panel to support diverse borrowing needs.
They even feature a reassuring “No Keys, No Fees” policy, meaning broker fees aren’t charged until your mortgage completes.
On the downside, a few clients have reported last-minute appointment rescheduling and minor application delays on intricate cases, so plan well.
Absolutely brilliant in helping us with our remortgage
The Mortgage Solutions Belfast team were absolutely brilliant in helping us with our remortgage. Talsa and Matthew were extremely good at keeping in touch through emails and following up promptly and Clair our broker, was incredibly knowledgeable. She worked so hard to find the best possible rate for us and kept everything clear and stress free along the way. We could not be happier with the service and would highly recommend them to anyone looking for mortgage advice.
Kyle Rutgers | Google Review
Very friendly and professional
Brilliant mortgage broker, Gerard and the team worked incredibly hard for me to get the mortgage and were very friendly and professional. I would highly recommend them as they get the job done for you.
Dominic Small | Google Review
5. The Mortgage Shop
Website: https://themortgageshop.net/index.html
Address: 6 Wellington Place
Contact: 02890 232 002
Hours: Monday-Thursday, 9:00 AM – 5:30 PM | Friday, 9:00 AM – 5:00 PM
Finding accessible local advice is simple with The Mortgage Shop, which has served Northern Ireland since 1992.
This high-street brokerage operates 23 regional locations, including six convenient branches right across Belfast. Notably, they can compare products from over 60 lenders, connecting clients to thousands of standard and broker-only deals.
Plus, their dedicated advisors walk you through every step while assessing your individual borrowing limits.
They also keep pricing transparent by providing free initial consultations and capping maximum potential advice fees at £295.
However, keep in mind that fees still apply for certain complex applications, and initial agreements don’t guarantee ultimate lender approval. You’re also fully responsible for maintaining monthly payments.
On the bright side, long-standing local reputation gives home buyers reliable support.
Hands down the best mortgage broker
Damian is hands down the best mortgage broker I have ever worked with. He goes out of his way time and time again. Responds to queries day and night. I recommend him to everyone I know that’s looking a mortgage, whether its personal or BTL so it’s easy to recommend him publicly 👌
Michelle G | Google Review
Reliable mortgage guidance!
As a first‑time buyer, I couldn’t have asked for a better mortgage advisor than Simon. He provided clear, detailed advice, kept me informed at every stage, and ensured I understood all my options before making any decisions. His expertise and professionalism made the process smooth and stress‑free. I highly recommend Simon to anyone seeking reliable mortgage guidance!
Nicole Dallat | Google Review