Your home may be repossessed if you do not keep up repayments on your mortgage.
028 8225 0000

Mortgage Services The marketplace we review on your behalf

It is not as simple as looking for the lender with the cheapest rate…

Yes, the interest rate or premium is key as a starting point. However, how might that change in the short, medium or long term?

We undertake a comprehensive review of other key factors that impact the real cost to you.

For example, some lenders have arrangement fees that can be large enough to make the overall cost of lending unattractive when compared to others.

Thinking of getting a mortgage?

  • We provide a whole of market mortgage review service.
  • After we have assessed your needs, we will advise and make recommendations for you.
  • Our recommendations will be made on a comprehensive and fair analysis of the mortgage market.
Budget Planner We'll help you work out how much you can afford to pay on a mortgage, giving you a better idea of what you can and can't afford. Mortgage Calculator You can work out how much you could save on your mortgage by paying it off quicker. Mortgage Quotation Have you found the right mortgage quote yet? We can offer you a mortgage quote based on the information you provide.

Key features These can decide the most appropriate solution for you

  • Early repayment charges - if you wish to part or fully repay during its term.
  • Portability of the loan - in case you move, you may wish to retain this deal.
  • Drop lock - the ability to secure a certain rate in the future if rates change.
  • APRC (Annual Percentage Rate of Charge) - what is the real cost of borrowing, not just the interest rate charged?
  • Flexible features - the ability to over pay, take payment holidays or switch repayment types.
  • Frequency of interest additions - how often the interest is added to your loan can impact the real cost of borrowing when repaying your loan (e.g. daily, monthly, annually).
  • Insurance is very similar. We will provide advice so if you ever need to claim, you will receive the amount and frequency of payment you and your dependants were expecting.
  • That is why analysing and monitoring the enormous diversity of products is important. It ensures you do not miss out on getting the best solution.
Key features That Can Decide The Most Appropriate Solution For You

A lender will decide three key factors:

  • Whether they will lend to you,
  • How much they will lend to you
  • That your proposed method of repaying the loan by the end of the term is reasonable.

Finding the most appropriate lender for your circumstances, we save you time by researching the market and only approaching the providers most suited to you. This also avoids unnecessary credit checks that can leave an unhelpful "footprint" on your credit history.

Our extensive lender panel represents the whole of the market. This means that, if one lender changes their underwriting criteria during our application process, we are able to quickly approach other lenders who would consider your situation. By being part of Quilter Financial Planning Limited, we also get access to market-leading exclusive and semi-exclusive rates for both residential and buy-to-let lending.

You may require more specialist advice. In areas such as complex prime, self-build, and overseas lending, we can assist you. In areas such as commercial, bridging finance and asset finance, we are proud to have sourced a panel of market-leading lenders and specialists that we can refer you to who will help you directly.

A lender will decide three key factors

Our role is to help you:

  • Not waste money unnecessarily by paying a higher monthly amount than you need to for your borrowings
  • Save time and effort by recommending the most appropriate solution to your needs
  • Not miss out on the most cost effective way of arranging your loan.
Get in Touch
Telephone:028 8225 0000 Mobile: 077 7188 4633
Address: 36a High Street, Omagh, Co. Tyrone BT78 1BP

Please check you have entered all details correctly:


You are now departing from the regulatory site of The Mortgage Advice Centre. Neither The Mortgage Advice Centre nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.

No, I want to stay here Yes, I want to look at properties