Our Services
Fee-free mortgage and insurance advice tailored to the Northern Ireland market. With over 17 years of financial services experience, we provide expert guidance for every stage of your property and protection journey.
HQ Mortgages Ltd is an Appointed Representative of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority. We search the whole market to find solutions that match your unique circumstances, whether you are buying your first home, expanding a property portfolio, or protecting your family's financial future.
Mortgage Services
Comprehensive mortgage solutions for every stage of your property journey. From your first home to investment portfolios, we have the expertise to guide you.
First-Time Buyer Mortgages
Getting on the property ladder is easier with our help. We guide Northern Ireland first-time buyers through government schemes like Co-Ownership (shared equity) and 95% mortgages.
We help you secure the right loan with the smallest deposit possible. No question is too basic - we explain everything clearly and run through eligibility and income requirements. Our team understands the unique challenges first-time buyers face in Belfast and across Northern Ireland, from saving for a deposit to understanding stamp duty land tax implications.
Remortgage
If you already own a home, we can help you remortgage for a better rate or to release equity. We will compare the whole market of lenders.
Switching or increasing your mortgage should not be stressful - we handle the paperwork and negotiations for you, including high street banks and specialist NI lenders. Whether you want to reduce monthly payments, consolidate debts, or fund home improvements, we find the most competitive deals available.
Buy-to-Let Mortgages
Planning to buy property to rent out? Our landlord mortgages cover private and commercial buy-to-let cases.
We advise on loan sizes, tax considerations and limited company options. With partnerships across major lenders, we help investors get the best rates. We understand the Northern Ireland rental market and can guide you through HMO regulations, rental yield calculations, and portfolio expansion strategies.
Limited Company Buy-to-Let
If you own property through a limited company, you will need specialist lenders. HQ Mortgages can arrange buy-to-let finance for companies and directors.
We explain the legal differences and ensure your business and personal finances are protected, helping you benefit from tax-efficient ownership. Our expertise includes SPV (Special Purpose Vehicle) mortgages and multi-property portfolios held under corporate structures.
Co-Ownership NI
Co-Ownership is a government-backed NI scheme that lets you buy a share of your home (usually 50-90%) and pay affordable rent on the rest.
We are experts in the Co-Ownership process - we check your eligibility, help with the application, and arrange the mortgage on your share. This scheme has helped thousands of Northern Ireland residents become homeowners, and we can show you how to staircase to full ownership over time.
Self-Build Mortgages
Building your own home? We offer specialist self-build and development finance.
From land purchase and staged drawdowns to fixed-rate completion loans, we advise on managing costs and timelines with lenders who understand progressive drawdown mortgages. We work with you from planning permission through to completion, ensuring funding is released at each construction stage.
Protection & Insurance
Safeguard your family and future with comprehensive protection. We compare policies from leading UK insurers to find cover that fits your budget and needs.
Life Cover
Protect your family with a life insurance policy. Whether you need level term, decreasing (mortgage protection), or whole of life cover.
We search the market to find affordable premiums and strong protection. Our plans ensure your loved ones can maintain their lifestyle and cover mortgages or other debts. We explain the differences between term life, whole of life, and over-50s plans to help you make an informed decision.
Critical Illness Cover
Critical Illness insurance pays a lump sum if you are diagnosed with a serious condition (cancer, stroke, heart attack, etc.).
This can cover lost income or pay for additional care. We explain the difference between Critical Illness and Life Cover and recommend policies with the widest illness definitions. Our advisors ensure you understand exactly what conditions are covered and help you choose appropriate cover levels.
Income Protection
Income Protection insurance provides a monthly benefit (typically up to 70% of your salary) if illness or injury stops you from working.
It is different from sick pay or statutory benefits. We help you choose the right deferment period and benefit length, so you are supported until you can return to work. This is especially important for self-employed professionals and contractors who lack employer sick pay schemes.
Family Protection
Family Income Benefit pays out a regular income for a set term (e.g. until children are grown) if you die.
Often cheaper than standard life cover, it is well-suited to growing families who need steady financial support in the early years. We calculate how much monthly income your family would need and match you with policies that provide that exact security.
Global Life Cover
Do you have a foreign passport, overseas income or plan to move abroad? We arrange expat-friendly life and protection policies.
Our panel includes providers that cover worldwide residences and foreign employment, giving you global insurance solutions. Whether you are relocating for work or retiring abroad, we ensure your protection travels with you.
Home Insurance
Protect your home and contents from fire, theft, floods and more. We compare trusted insurers to secure buildings and contents cover.
Many mortgage lenders require buildings insurance as a condition; we will include you in a quote process at application or help you switch later. We also advise on accidental damage cover, legal expenses, and home emergency add-ons.
All Services Come with Fee-Free Expert Advice
We provide plain-English explanations and guide you through every step - from application to approval. Whatever your situation, our deep industry knowledge and veteran-owned discipline mean we look after your financial future. We charge no broker fees on any of our mortgage or insurance services, making expert guidance accessible to everyone.
Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Think carefully before securing other debts against your home.
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
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.
Ready to Secure Your Tomorrow?
Get expert, fee-free mortgage and insurance advice from Belfast's trusted advisors. Book your free consultation today.