Frequently Asked Questions

Find comprehensive answers to common questions about mortgages, insurance, and our services at HQ Mortgages Belfast

We believe in transparency and education. Understanding your mortgage and protection options empowers you to make better financial decisions. If you cannot find the answer you need below, please contact us directly - we are always happy to help.

Mortgages Protection Our Services

Mortgage Questions

Protection & Insurance Questions

About Our Services

Still Have Questions?

We are here to help. Contact us for personalised answers to your mortgage and insurance questions. There is no obligation and our advice is always fee-free.

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.

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Frequently Asked Questions

Mortgage Questions

What documentation do I need for a mortgage application?

How much deposit do I need to get a mortgage?

How long does the mortgage process take from application to completion?

Can you help with bad credit or adverse credit mortgages?

What is the difference between a fixed-rate and variable-rate mortgage?

What is Co-Ownership NI and how does it work?

Can self-employed people get mortgages?

Should I get a mortgage in principle before house hunting?

Protection & Insurance Questions

What is the difference between life insurance and critical illness cover?

What is income protection insurance?

Do I need life insurance if I have death in service benefits at work?

What is Family Income Benefit?

Is my personal information safe when I apply for insurance?

About Our Services

Do you charge broker fees for your services?

What makes HQ Mortgages different from other brokers?

Do you cover all of Northern Ireland?

What hours are you available?

How do I get started with HQ Mortgages?

Will you help after my mortgage completes?

Still Have Questions?

Ready to Secure Your Tomorrow?