Your Trusted Belfast Mortgage & Insurance Advisors
Fee-free advice from a veteran-owned firm with 17+ years of experience. We're here to secure your tomorrow.
Our Services
Comprehensive mortgage and insurance solutions tailored to your needs
First-Time Buyer
Expert guidance to help you get on the property ladder with the right mortgage.
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Why Choose HQ Mortgages?
We combine veteran values with expert financial guidance to deliver exceptional mortgage and insurance advice across Belfast and Northern Ireland
Fee-Free Advice
No broker fees on any mortgage or insurance service. We are paid by lenders, not you.
Expert Guidance
17+ years of financial services experience helping families secure their homes.
Veteran-Owned
Military values of integrity, reliability and attention to detail in every case.
Personalised Service
Solutions tailored to your unique circumstances with dedicated one-to-one support.
Your Local Belfast Mortgage Experts
At HQ Mortgages, we understand that buying a home is one of the biggest financial decisions you will ever make. Whether you are a first-time buyer stepping onto the property ladder, a homeowner looking to remortgage for a better rate, or an investor building a buy-to-let portfolio, our team is here to guide you through every step of the process.
Based in Belfast at Forthriver Business Park, we serve clients across all of Northern Ireland. Our deep understanding of the local property market, combined with access to the whole mortgage market, means we can find deals that high street banks simply cannot offer. We work with over 90 lenders, from major banks to specialist providers, ensuring you get the most competitive rates available.
What sets us apart is our commitment to genuinely fee-free advice. Unlike many brokers who charge arrangement fees or administration costs, we never charge you a penny for our mortgage services. Our income comes solely from lender commissions, so you benefit from professional guidance without any additional expense.
What We Offer
- Access to 90+ mortgage lenders
- Whole-of-market insurance comparison
- Face-to-face and remote consultations
- Evening and weekend appointments available
- Support for complex cases and adverse credit
- Co-Ownership NI scheme specialists
- Self-build and development finance
- Comprehensive protection reviews
How It Works
Our simple four-step process takes the stress out of getting a mortgage
Free Consultation
We discuss your situation, goals and budget to understand exactly what you need.
Market Search
We search the whole market to find the best mortgage deals matched to your criteria.
Application Support
We handle the paperwork, liaise with lenders and keep your application on track.
Completion
We guide you through to completion and remain available for future reviews.
Frequently Asked Questions
Quick answers to common questions about our mortgage and insurance services
Do you charge broker fees?
No. We provide completely fee-free mortgage and insurance advice. Our services are funded by commission from lenders and insurers, meaning you get expert guidance at no additional cost to you.
How long does the mortgage process take?
Typically 4-8 weeks from application to completion. We work efficiently to expedite your application and keep you informed at every stage of the process.
Can you help with bad credit mortgages?
Yes. We work with specialist lenders who consider applications from people with adverse credit history. We assess your situation and find lenders more likely to approve your application.
What is Co-Ownership NI?
Co-Ownership is a government-backed Northern Ireland scheme letting you buy a share of your home (50-90%) and pay affordable rent on the rest. We are experts in this process.
Do you cover all of Northern Ireland?
Yes. While based in Belfast, we serve clients across all of Northern Ireland with face-to-face consultations at our office and remote appointments via phone and video.
What documentation do I need?
Typically proof of identity, address, income (payslips or SA302), and details of debts. Requirements vary by lender - we provide a clear checklist when you apply.
How much deposit do I need?
Most lenders require 5-10% minimum. Government schemes like Co-Ownership can reduce this. We explore all options to minimize your upfront costs.
What's the difference between life insurance and critical illness?
Life insurance pays out if you die during the policy term. Critical illness pays a lump sum if diagnosed with a serious condition. We often recommend both for comprehensive protection.
Can self-employed people get mortgages?
Absolutely. We work with lenders who specialize in self-employed applications. You typically need 2-3 years of accounts or SA302 forms to demonstrate income.
Do you offer evening or weekend appointments?
Yes, we understand work commitments. We offer flexible appointment times including evenings and weekends by arrangement to suit your schedule.
Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
HQ Mortgages Ltd (Company No. NI721586) is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Some buy-to-let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home.
Ready to Secure Your Tomorrow?
Get expert, fee-free mortgage and insurance advice from Belfast's trusted advisors. Book your free consultation today.