Mortgage Advice Centre

Mortgage Advice Centre Your mortgage is the biggest financial commitment of your life, and one that will be with you and your family for at least the next 25 years.

The Mortgage Advice Centre has arranged mortgages for hundreds of clients, helping them to benefit from impartial advice to obtain the most suitable mortgage deal. Established in 1991, the Mortgage Advice Centre has arranged mortgages for vast numbers of clients, helping them to benefit from impartial advice to obtain the most suitable deal possible. The staff at the mortgage advice centre complet

ely understand this, and it is our promise to help you make this decision with all the information and support that you require. We also aim to review all our clients needs every 2-3 years. We understand that searching for and applying for mortgages is a confusing and a time consuming task - that's why we're here to help. As Independent mortgage experts, we have in-depth expert knowledge of all of the Lenders, so you benefit from impartial advice knowing that you get the most suitable mortgage deal for you. We source and research from across the mortgage and protection market to make sure you get the right recommendations for you. We know your time is precious so we submit and arrange the mortgage on your behalf - it's that simple! As an Independent broker we give you an honest and impartial view across the mortgage market. All our Mortgage Advisers are CeMAP qualified, which ensures your personal adviser is a mortgage expert and gives you the right advice. We are primarily office based at our High Street premises, but can also do home visits where appropriate on request as well.

Meet Sam & Lucy:They're a couple in their early 30s, looking to buy their first home. They've saved a 15% depositand are...
24/06/2026

Meet Sam & Lucy:

They're a couple in their early 30s, looking to buy their first home.
They've saved a 15% deposit
and are confused by all the mortgage jargon.

So here's how we could have helped them:

Step 1 - Know the Market
• Fixed rates are lower than they have been in recent years - and product choice is high.
• This means deals with lower deposits (90-95 % LTV) are more available than they have been in
nearly two decades.

Step 2 - Compare, Don't Guess
• We looked at a 90% LTV 2-year fix vs a 5-year fix. Sam & Lucy were drawn to flexibility - So we walked them through potential higher payments later and how that could change with interest shifts.

Step 3 - Plan for the Unexpected
• We talked budgeting, overpayment options, and how interest type affects monthly outgoings if rates move in the next few years.

Outcome:
They chose a fixed product that balanced monthly cost with future flexibility - and they felt confident about it.

Whatever your situation, getting informed beats guessing every time.

Call us on 028 8225 0000
Or email [email protected]





The example used is fictional and for illustrative purposes only.

When people think about life cover, they often focus on the payout. But what really matters is what that money does:• It...
22/06/2026

When people think about life cover, they often focus on the payout.

But what really matters is what that money does:
• It can clear or reduce a mortgage balance
• It can help cover everyday living costs while a family finds its feet
• It can protect long-term plans like education or retirement savings

Questions worth asking yourself:
> If my income stopped tomorrow, how long could my household cope?
> Would my partner need to move home or change jobs?
> Would savings stretch far enough to cover the gap?

Life cover isn't one-size-fits-all:
• Some people need cover that reduces alongside their mortgage
• Others want a fixed lump sum for flexibility
• Families often benefit from policies that pay out monthly rather than in one go

It's not about over-insuring. It's about matching cover to real life - your home, your income, your dependants, and your plans.

Good life insurance planning doesn't remove risk - it removes financial panic from an already difficult situation.

Call us on 028 8225 0000
Or email [email protected]


Thinking about buying a home or switching your mortgage?Here's what's happening right now:• Mortgage rates in early 2026...
18/06/2026

Thinking about buying a home or switching your mortgage?

Here's what's happening right now:
• Mortgage rates in early 2026 remain competitive - average two-year fixed rates are close to or below 5%, with some deals even lower.

• With roughly 1.8 million fixed deals ending in 2026, many homeowners are evaluating what's next - stay ahead of this by reviewing your current rate before
it hits your lender's Standard Variable Rate (often much higher).

Tips:
> Always check how long your current rate lasts - don't get caught rolling onto SVR.
> Use a broker or comparison tool to see deals that fit your situation.
> Think in terms of your long-term plan - stability vs flexibility.

Call us with your goals & timeline.

Call us on 028 8225 0000
Or email [email protected]




Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Considering building your own home? Self-build mortgages are structured a bit differently:• Funds are usually released i...
16/06/2026

Considering building your own home? Self-build mortgages are structured a bit differently:

• Funds are usually released in stages (e.g., land purchase, foundations, completion), not as a single lump sum.
• You often need a detailed build plan, costs schedule, and planning permission before approval.

What to Ask Before Applying:
> Can I secure land before planning?
> Do I have fixed quotes from builders?
> What happens if the project overruns?

The right preparation makes banks more confident - which can mean better terms.

Call us 028 8225 0000
Or email [email protected]


15/06/2026

Life changes quickly – mortgages, families, careers – but many people never review their life insurance after taking it out.

A quick review can help make sure your cover still fits your circumstances and that you’re not paying more than you need to.

Call us on 028 8225 0000
Or email [email protected]

Several can be catastrophic.Rent guarantee cover can help protect:• Mortgage payments• Cash flow• Financial stabilityIt ...
11/06/2026

Several can be catastrophic.

Rent guarantee cover can help protect:

• Mortgage payments
• Cash flow
• Financial stability

It doesn't replace tenant vetting - it supports it.

Let's talk about income protection for your property.

Contact us now on 028 8225 0000
Or email [email protected]

When people think about life insurance, they usually imagine a big lump sum.But for families with young children, money ...
09/06/2026

When people think about life insurance, they usually imagine a big lump sum.

But for families with young children, money isn't needed all at once - it's needed every month, for years.

Family Income Benefit pays a regular income if a parent dies, helping cover things like:
• School costs
• Food and utilities
• Rent or mortgage
• Everyday living

It's designed to replace part of the income your children depend on - not just settle debts.

It's not about wealth.

It's about stability, routine, and keeping life feeling "normal" for your kids if the worst happens.

Let's talk about protecting your children's monthly future.

Call us on 028 8225 0000
Or email [email protected]

...by then, options may already be limited and pressure is high to "just pick something".Starting early gives you time t...
03/06/2026

...by then, options may already be limited and pressure is high to "just pick something".

Starting early gives you time to:
• Compare across the whole market
• Consider fixing vs flexibility
• Use your improved equity properly

A calm decision usually beats a rushed one.

Let's look at your options before your deal ends.

Give us a call to arrange your consultation 028 8225 0000
Or email [email protected]



Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

..forget to insure the one thing that pays for everything: their income.If a parent passes away, the financial shock isn...
01/06/2026

..forget to insure the one thing that pays for everything: their income.

If a parent passes away, the financial shock isn't just emotional - it's practical.

Bills don't pause. School trips still come. Clothes still need buying.

Family Income Benefit creates a regular payout that helps:

• Keep children in the same school
• Avoid emergency house moves
• Reduce financial panic
• Protect the surviving parent

It turns a crisis into something survivable - financially speaking.

Let's build protection around your children, not just your mortgage.

Call us on 028 8225 0000
Or email [email protected]

That's why we model:• Realistic rent• Void periods• Higher rates• Maintenance costsIf it still works - then it's a true ...
28/05/2026

That's why we model:

• Realistic rent
• Void periods
• Higher rates
• Maintenance costs

If it still works - then it's a true investment.

Want us to stress-test your next purchase?

Call us on 028 8225 0000
Or email [email protected]

Address

36A High Street
Omagh
BT781BP

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+442882250000

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