Business Details
34 Years
experience
Trusted Mortgage Brokers in Belfast Since 1992
Established in 1992, we have built a reputation as Northern Ireland's leading independent mortgage broker. With 23 local offices and a team of 55 qualified advisers, we offer impartial advice on thousands of mortgage products from banks and specialist lenders. Our transparent fee structure ensures clarity, with a maximum charge of 295 for advice when applicable. Over three decades, we've helped more than 100,000 clients secure mortgages tailored to their unique circumstances, including first-time buyers, investors, and those seeking complex financing solutions.Our advisers provide flexible appointments six days a week, combining local expertise with access to exclusive deals. Recognised for our customer-centric approach, we maintain a 5-star rating through consistent service excellence and regulatory compliance under the Financial Conduct Authority. Our team's extensive market knowledge and commitment to finding cost-effective solutions have made us a trusted partner for homebuyers across Northern Ireland.
Services
First-Time Buyer Mortgages
Re-Mortgaging
Buy-To-Let Mortgages
Lifetime Mortgages
Shared Ownership
New Build Mortgages
Stamp Duty Advice
Income Protection
Life Assurance
Home Insurance
Details
- Year established: 1992
Highlights and features
- 31 years of mortgage market expertise since 1992
- Transparent fee structure with maximum 295 advisory charge
- Access to thousands of bank and broker-only mortgage deals
- 5-star rated by 1,000+ satisfied customers
- Free initial consultation with no obligation
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Fantastic service
Best deal secured
Highly recommend
Stress-free process
Patient and friendly
Services
First-Time Buyer Mortgages
Specialised mortgage solutions for first-time buyers navigating the property market. Our advisers provide clear guidance through the entire process, from initial affordability assessments to final approval. We access exclusive first-time buyer deals with competitive rates and help maximise deposit schemes to make home ownership more accessible.
Re-Mortgaging
Expert re-mortgaging services to help homeowners secure better rates or release equity. We analyse existing mortgage terms, assess potential savings, and negotiate with lenders to find optimal refinancing solutions. Our process includes comprehensive market comparisons and transparent cost-benefit analysis.
Buy-To-Let Mortgages
Tailored financing options for property investors seeking buy-to-let mortgages. We connect clients with specialist lenders offering competitive investment mortgage products, providing detailed cashflow analysis and portfolio management strategies to maximise rental income potential.
Lifetime Mortgages
Specialist lifetime mortgage advice for homeowners seeking to release equity. We explain different equity release options, assess eligibility criteria, and ensure clients understand long-term implications while finding suitable products that align with retirement planning goals.
Mortgage Protection
Comprehensive protection solutions including life assurance, critical illness cover, and income protection. Our advisers help clients select appropriate insurance products to safeguard mortgage payments against unforeseen circumstances, ensuring financial security for homeowners and their families.
People
Siobhan McAleer
Managing Director
Legal background turned mortgage industry leader with 30 years' experience. Established The Mortgage Shop in 1992, overseeing regulatory compliance and strategic direction while maintaining a customer-focused business ethos that has driven sustained growth across Northern Ireland.
Philip Strong
Operations Director
30-year financial services veteran with expertise in team leadership and regulatory compliance. Joined in 2011, responsible for operational excellence across mortgage, wealth, and protection services while maintaining performance standards that align with business objectives.
Julie Brannigan
Financial Governance Manager
Queen's University accounting graduate with progressive responsibility in financial governance. Manages day-to-day financial operations and corporate governance while overseeing marketing and social media strategy to maintain the company's professional reputation and regulatory compliance.
Debbie Graham
Mortgage and Protection Adviser
Former Ulster Bank adviser with specialist expertise in mortgage and protection products. Joined in 2018, providing unrestricted access to UK-wide mortgage deals while delivering tailored protection solutions that ensure clients' financial security throughout their home buying journey.
Grainne Ferguson-Evans
Mortgage and Protection Adviser
14-year mortgage industry veteran with Santander background. Holds Certificate in Mortgage Advice & Practice, specialising in guiding clients through complex mortgage decisions while making the home buying process as stress-free as possible for first-time and experienced buyers.
Questions
What services does The Mortgage Shop offer?
We provide comprehensive mortgage solutions including first-time buyer mortgages, re-mortgaging, buy-to-let financing, lifetime mortgages, and shared ownership schemes. Our services also include insurance products like life assurance, income protection, and home insurance.
How much does mortgage advice cost?
Our mortgage advice typically costs nothing as we receive commission from lenders. In specific cases, we charge a maximum transparent fee of £295, clearly explained during your free initial consultation.
Are you regulated by financial authorities?
Yes, we are an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FCA Number 201108).
How many mortgage deals can you access?
We have access to thousands of mortgage deals from major UK banks and exclusive broker-only products, ensuring we find the most suitable option for your circumstances.
Do you offer out-of-hours appointments?
Yes, we provide flexible appointment times including evenings and weekends across our 23 Northern Ireland branches to accommodate your schedule.
What makes you different from bank mortgage advisors?
Unlike bank advisors limited to their own products, we offer completely impartial advice across the entire mortgage market, including exclusive broker-only deals unavailable through high-street banks.
Reviews (7)
Kirsty Lunn
Apr 23, 2022
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Wouldn't hesitate to recommend, Martha from Ormeau Road branch was fantastic and helped my husband and I to secure a mortgage in a really tough financial climate for first time buyers. Really attentive, good service, friendly and professional thank you so much Martha!
Stephen Kelly
Sep 24, 2021
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Martha Lowry was excellent: patient, diligent and very responsive to email. An excellent service all round.
Gillian Murphy
Sep 23, 2021
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Terrible service. Met with Catherine Breen in Lisburn about changing my mortgage, she seemed helpful and gave me details of what I needed to do next, but I never heard anything more from her, no phone call or email. They obviously do not need the business. I therefore went with Navigate Mortgages and the service from them was amazing, I would highly recommend them and give the mortgage shop a miss.
Sarah Yria
Sep 13, 2021
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Martha Lowry did everything for us, she is THE BEST! We cannot thanks her enough for all the support and guidance she gave us. She was always available for us when we had any questions/doubt. Thanks to her the buying process was so easy! Thanks Martha for everything, you are a superstar! Sarah and Moss
D. Whyte
Sep 03, 2021
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Judy and team in The Mortgage Shop provided us with a first class service from start to finish. They made the entire process so easy and hassle free. Not only did they arrange the best mortgage deal available but they also searched the market for both our house insurance and life assurance ensuring we had full protection in place for our home and family. I can't recommend Judy and The Mortgage Shop highly enough.
Louise S.
Sep 02, 2021
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I had a great experience with the team at The Mortgage Shop on the Ormeau Road. Martha was helpful from the outset and provided first class advice on which mortgage would suit me best. Would highly recommend.
Christopher McCarthy
Aug 19, 2021
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The Mortgage Shop have been helping me to find the best mortgage rates for me, for the last 10 years and every time any inconvenience for me was always minimal. Any queries or questions I had were always answered clearly and quickly and I intend to stick with them until my home is payed off.
