The Home of Fee Free Advice
Your Trusted Belfast Mortgage & Insurance Advisors
Trusted Knowledgeable Advice with 17+ years of experience. Guiding you through the mortgage process while protecting 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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Your Mortgage Journey
From first conversation to keys in hand, we guide you every step of the way with our proven 6-step process.
Initial Consultation
Free, no-obligation chat to understand your goals, finances, and circumstances. We listen first.
Market Research
We search the whole market to find the best mortgage deals tailored specifically to your needs.
Application Support
We handle all the paperwork, liaising with lenders and solicitors on your behalf.
Mortgage Offer
Once approved, we review the offer with you and explain every detail clearly.
Completion
We coordinate with all parties to ensure a smooth completion date.
Keys in Hand
Congratulations! You receive your keys and we remain available for future support.
Areas We Serve
From Belfast to Ballycastle, we provide expert mortgage advice across every county, town, and village in Northern Ireland.
Antrim
42 locations
Down
47 locations
Armagh
20 locations
Tyrone
21 locations
Fermanagh
14 locations
Londonderry
27 locations
Popular Locations
Why Choose HQ Mortgages?
Delivering Trusted Knowledgeable Advice for mortgages and insurance across Northern Ireland and the UK
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.
Client-Focused
Your financial wellbeing is our priority. We deliver trusted, knowledgeable advice.
Personalised Service
Solutions tailored to your unique circumstances with dedicated one-to-one support.
Your Mortgage Experts - Trusted Knowledgeable Advice
Our Mission: To guide individuals and families through the mortgage process with Trusted Knowledgeable Advice while protecting their tomorrow.
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 Northern Ireland and the UK. Our deep understanding of the 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.
What Our Clients Say About Our Trusted Knowledgeable Advice
See why hundreds of families across Northern Ireland and the UK trust HQ Mortgages with their financial future
"First time buyers and was recommended to Colin. Such first class service, he had the ball rolling within a matter of days and everything ran so smoothly. Would highly recommend to anyone!"
Roisin Morgan
First Time Buyer
"Was put in touch with Colin about doing a remortgage to get work done in our house. Messaged him on a Friday evening and the ball was rolling the following Monday morning everything ran so smoothly. Can't thank Colin enough for everything he done for us."
David Proctor
Remortgage
"We had a fantastic experience with Colin and his team at HQ mortgages. Being first time buyers they made the process really easy and questions were answered quickly. We would highly recommend HQ mortgages for anyone looking to get on the property ladder."
Richie Mckee
First Time Buyer
"Just renewed our no fee mortgage deal with HQ Mortgages - Colin was very informative, helpful and prompt and has saved us £100+ on monthly repayments or £1200+ per year - he suggested we book a holiday with our savings - he knows us too well! Highly recommended with 100% satisfaction!"
Eamon Mcdonnell
Remortgage
"HQ mortgages were brilliant can't recommend them enough, Eamon was very thorough and talked us through everything. Kept us up to date with information regarding our mortgage and we wouldn't have been able to do it without him and the team."
Nicky Lynas
First Time Buyer
"Thanks Nicky for coming in firstly and for the review. Enjoy your well deserved new home."
Eamonn Mac An Bhaird
New Home Purchase
See All 21 Five-Star Reviews on Facebook
Join hundreds of satisfied clients who have trusted HQ Mortgages with their property dreams
View All Reviews on FacebookImportant Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some forms of Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. 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.