28th March 2018
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Category: Mortgages and Money
26th February 2018
How to improve your credit score to gain a successful mortgage application
Have you been declined for credit or a mortgage application? Or not sure what your chances are? Many customers that visit our mortgage adviser find themselves in a situation where they need to boost their credit score prior to being accepted, so we have decided to put together the short guide below. Follow the steps […]9th February 2018
Norman Morrow & Co. welcomes The Mortgage Shop!
Due to the buoyant and progressive sales market in 2017, Norman Morrow & Co. have recently joined forces with Northern Ireland’s largest mortgage broker, The Mortgage Shop. Occupying a newly refurbished and branded annex within the prominent and established Norman Morrow & Co. office, Stephen Corry from The Mortgage Shop will be a welcome addition […]30th January 2018
How best to protect your Mortgage
At The Mortgage Clinic when we provide mortgage advice to homebuyers we also provide expert insurance advice to protect the mortgage and family. Although it is unpleasant, it is important for homeowners and indeed for all of us to consider how they would cope financially in an emergency. It is vitally important that when you are spending money on Life […]4th December 2017
Stamp Duty Axed for Most First Time Buyers
The Chancellor recently announced with immediate effect, that first time buyers will pay 0% stamp duty on the first £300,000 for property purchases up to £500,000 in the autumn budget. This will come as welcome news in N.Ireland as there will be no stamp duty charged for a property up to £300,000, another bonus for […]14th November 2017
Is it better to take out a mortgage via an Independent Mortgage Advisor, or go it alone?
60% of mortgages are arranged by Independent Mortgage Advisors and that number is set to increase. Gone are the days when if you wanted a financial product as daunting – and expensive – as a mortgage you would pop into your local bank branch for a cosy chat with the manager. In N.Ireland, we have […]4th October 2017
The Mortgage Clinic: How to repay your mortgage early
A mortgage is probably the largest commitment that we will ever take out over the duration of our lives, and if taken out over 25 or 30 years we are never truly free of the largest monthly commitment until it is repaid in full. Of course taking out a mortgage and having the end goal […]10th August 2017
Stamp duty – how to reclaim your tax
Thousands of homeowners have been refunded money due to overpaying stamp duty. The past has seen many changes to the property tax so it might be worth checking if you are eligible for these refunds. Here is a guide to check if you are owed the tax refund. Stamp Duty Land Tax (SDLT) is a […]7th August 2017
A guide to finding a new mortgage deal… Re-mortgage
Has your fixed interest rate expired or about to expire on your current mortgage deal? Monthly payments increased? If this is you then these are your options… • Do nothing when your fixed interest rate expires, you will then move onto your lenders variable interest rate which is most likely higher than the rate you […]3rd July 2017
