moni.hitwebdev.co.uk
Open in
urlscan Pro
46.101.19.228
Public Scan
URL:
https://moni.hitwebdev.co.uk/
Submission: On March 15 via api from US — Scanned from US
Submission: On March 15 via api from US — Scanned from US
Form analysis 1 forms found in the DOM
Name: New Form — POST
<form class="elementor-form" method="post" name="New Form">
<input type="hidden" name="post_id" value="32">
<input type="hidden" name="form_id" value="7f2c933b">
<input type="hidden" name="referer_title" value="Home - Mortgage Options Northern Ireland">
<input type="hidden" name="queried_id" value="89">
<div class="elementor-form-fields-wrapper elementor-labels-">
<div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50">
<label for="form-field-name" class="elementor-field-label elementor-screen-only"> Name </label>
<input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-xs elementor-field-textual" placeholder="Name">
</div>
<div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_8da6fb4 elementor-col-50">
<label for="form-field-field_8da6fb4" class="elementor-field-label elementor-screen-only"> Service </label>
<input size="1" type="text" name="form_fields[field_8da6fb4]" id="form-field-field_8da6fb4" class="elementor-field elementor-size-xs elementor-field-textual" placeholder="Service">
</div>
<div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-50 elementor-field-required">
<label for="form-field-email" class="elementor-field-label elementor-screen-only"> Email </label>
<input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-xs elementor-field-textual" placeholder="Email" required="required" aria-required="true">
</div>
<div class="elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_c319b7e elementor-col-50 elementor-field-required">
<label for="form-field-field_c319b7e" class="elementor-field-label elementor-screen-only"> Phone </label>
<input size="1" type="tel" name="form_fields[field_c319b7e]" id="form-field-field_c319b7e" class="elementor-field elementor-size-xs elementor-field-textual" placeholder="Phone" required="required" aria-required="true"
pattern="[0-9()#&+*-=.]+" title="Only numbers and phone characters (#, -, *, etc) are accepted.">
</div>
<div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100">
<label for="form-field-message" class="elementor-field-label elementor-screen-only"> Message </label>
<textarea class="elementor-field-textual elementor-field elementor-size-xs" name="form_fields[message]" id="form-field-message" rows="3" placeholder="Message"></textarea>
</div>
<div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_75ed2fb elementor-col-100 recaptcha_v3-bottomright">
<div class="elementor-field" id="form-field-field_75ed2fb">
<div class="elementor-g-recaptcha" data-sitekey="6LfBXJcpAAAAAHTO7bZVPVrLRkAniW8mV-gs2J_R" data-type="v3" data-action="Form" data-badge="bottomright" data-size="invisible">
<div class="grecaptcha-badge" data-style="bottomright"
style="width: 256px; height: 60px; display: block; transition: right 0.3s ease 0s; position: fixed; bottom: 14px; right: -186px; box-shadow: gray 0px 0px 5px; border-radius: 2px; overflow: hidden;">
<div class="grecaptcha-logo"><iframe title="reCAPTCHA" width="256" height="60" role="presentation" name="a-etk6rhgdsvep" frameborder="0" scrolling="no"
sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox allow-storage-access-by-user-activation"
src="https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LfBXJcpAAAAAHTO7bZVPVrLRkAniW8mV-gs2J_R&co=aHR0cHM6Ly9tb25pLmhpdHdlYmRldi5jby51azo0NDM.&hl=en&type=v3&v=QquE1_MNjnFHgZF4HPsEcf_2&size=invisible&badge=bottomright&sa=Form&cb=ikdbml91s9c1"></iframe>
</div>
<div class="grecaptcha-error"></div><textarea id="g-recaptcha-response" name="g-recaptcha-response" class="g-recaptcha-response"
style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;"></textarea>
</div><iframe style="display: none;"></iframe>
</div>
</div>
</div>
<div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons">
<button type="submit" class="elementor-button elementor-size-sm">
<span>
<span class=" elementor-button-icon">
</span>
<span class="elementor-button-text">Estimate Request</span>
</span>
</button>
</div>
</div>
</form>Text Content
Skip to content * 07710906738 * 02825898625 * info@mortgageoptionsni.co.uk Twitter Linkedin Facebook-f Google-plus-g Whatsapp * Home * Mortgages & Insurance * Mortgages & Insurance * Mortgages Ballymena * Mortgage Advisor Antrim – Mortgage Options NI * Independent Mortgage Broker Northern Ireland * First Time Buyer Mortgage Northern Ireland * Remortgage Northern Ireland * Mortgage Advice Northern Ireland * Credit Check * Reviews * Blog * Contact Us Menu * Home * Mortgages & Insurance * Mortgages & Insurance * Mortgages Ballymena * Mortgage Advisor Antrim – Mortgage Options NI * Independent Mortgage Broker Northern Ireland * First Time Buyer Mortgage Northern Ireland * Remortgage Northern Ireland * Mortgage Advice Northern Ireland * Credit Check * Reviews * Blog * Contact Us MORTGAGE ADVICE IN BALLYMENA & ANTRIM THAT'S AS SAFE AS HOUSES SPEAK TO US TODAY FOR INTELLIGENT & QUALIFIED MORTGAGE ADVICE IN BALLYMENA & ANTRIM Contact Us 40+ YEARS OF MORTGAGE SUCCESS Ross at Mortgage Options ni has been helping clients realise their dreams of owning their own home since 1980. OUR CLIENT FOR LIFE PHILOSOPHY We search the whole market to ensure we find the right mortgage for you and continue to monitor the marketplace for opportunities WE CAN HELP WITH THE ENTIRE PROCESS We take the stress out of buying a home by advising on the legal side and setting up any insurance you may need. WHO WE ARE WE'RE NOT TIED TO ONE BANK OR LENDER. Mortgage Options ni have been Independent mortgage brokers for over 40 years. We have been helping people from Ballymena, Antrim, Randalstown and Ballyclare to find the best mortgage deals available on the market – not just from a single provider. We take the stress out of buying a home by advising on the legal side and setting up any insurance you may need. Contact Us 1,000 + customers advised 97 % Client Satisfied 0 + 5 Star reviews 0 + homes purchased did you know USEFUL INFORMATION If you’re a first-time buyer, there are a few things you need to know. For one thing, the maximum loan-to-value (LTV) for mortgages in Northern Ireland is 95%. This means that you can borrow up to 95% of the value of the home you’re buying. There are also some special mortgage products available just for first-time buyers. Contact Us WHAT WE OFFER WE OFFER A WIDE RANGE OF FINANCIAL SERVICES Find out more about our services below: FIRST TIME BUYER The first step is to contact us and we will advise you on the mortgage options available to you. MOVING HOME You first need to know what your total available funds are and then subtract the cost of moving home. REMORTGAGE We will work with you to check the terms and conditions of your existing mortgage. INTEREST ONLY Most lenders will look at any sound investment to use as a payoff vehicle. Investments are accepted. BUY TO LET Although the perception is that buy to let mortgages are expensive, this isn't necessarily correct. CO-OWN You buy the share that you can afford, between 50% and 90%, and we cover the rest. REPAYMENT A repayment mortgage is the option that most borrowers opt for, as opposed to interest only. INSURANCE We offer our customers life insurance or income protection, choose what is best for you. STAMP DUTY AND SURVEY FEES MAY HAVE TO BE PAID. Choosing the right sort of mortgage to meet your needs and circumstances can seem a bit overwhelming. There are many different types to choose from, all meeting the needs of different types of borrowers. The good news is that we’ll be on hand able help you, explaining what’s on offer, what the key features are, and what type of mortgage best meets your individual circumstances. It is difficult to choose the right mortgage for your future home with thousands of different options available and each lender having different requirements and rules. We help you find the best mortgage for your budget, unique circumstances and needs and provide expert unbiased advice and guidance. We will also provide you with different options to make sure you can still afford your monthly mortgage payments in case rates start to increase. Contact Us WHY CHOOSE US WE ARE EXPERTS IN THE INDUSTRY We help you find the best mortgage for your budget, unique circumstances and needs and provide expert unbiased advice and guidance. Contact Us CERTIFIED EXPERT We provide our services to suit you, whether face to face, telephone or email. TRUSTED COMPANY We search the whole market to ensure we find the right mortgage for you. HIGH QUALITTY We continue to monitor the market place and will keep you updated on opportunities. 24/7 SUPPORT We provide advice on Second Charge loans as well as insurance options available. MEET OUR TEAM OF EXPERT ADVISORS It’s our team work that makes your dream work! ROSS BENNETT Managing Director Contact Us ANNE BENNETT Managing Partner Contact Us See More Reviews REVIEWS WHAT OUR CUSTOMER SAY Mortgage Options NI have looked after our Mortgage and Insurance affairs for the last 15 years. Their wealth of knowledge and experience in dealing with mortgage and insurance institutions has been invaluable to us and we have always been guided professionally to the lenders/companies that best suited our requirements. They absorb the financial jargon of the lending establishments and search for the best deals from whatever the financial markets have to offer. I have no hesitation recommending Mortgage Options NI. David MageeCustomer Anne & Ross were highly recommended to us by close friends - at first we were apprehensive however after meeting with them in their own home we felt very at ease and is if we were talking with friends - The advice they have given us over the years has been invaluable - we have saved money and have better insurance now than we have ever had - Anne is constantly on the ball when it comes to any renewals we have coming up always searching for the best deals on our behalf. We have recommended Anne & Ross to various people and even endorsed them on social media - Absolute pleasure dealing with these guys and know they are only a call away with any questions we have which over the years I have tortured Anne and Ross with some unusual questions yet when I come off the phone my mind is at ease because I know we are in the best of hands. Toni CrosbieCustomer From first meeting Anne and Ross we knew we had someone in our corner looking out for our interests and using their vast experience to help us achieve buying our dream home. All correspondence would lead you to believe that you were their only client such is the will & readiness to respond to any query you have, even when awaiting our own property sale Anne would email to wish continued luck and good wishes. Anne's ability to keep you immediately updated and well informed, in terms you can understand no less, is second to none. To say you won't receive this kind of service dealing direct with a bank or a busy high street mortgage shop is an understatement. I look forward to doing business with Anne and Ross well into the future. Dean CarvinCustomer I met Ross and Anne in 2012 for my first mortgage. I hadn’t much knowledge of what options where best for me but that was no hassle for Ross and Anne, they done all the hard work and made my first mortgage experience very easy and relaxed. From then they have been keeping me up to date with everything and choosing what’s right for my mortgage needs. I sent other family members to Ross and Anne and they were also very happy with the service they received. They are very passionate at what they do and nothing at all is a problem to them. Ashley FullertonCustomer Ross & Anne are a fab duo for all your mortgage & insurance needs. We had a particularly challenging time with our recent house purchase but Ross & Anne made us feel like nothing was ever trouble and kept in contact with us throughout the entire process. They are both such lovely people also. We are thankful that we researched the market thoroughly and sought our mortgage advice from them. A credible, hard working duo who work with you to get the best individualised option! Thank you SO much! Jill ArmstrongCustomer I would highly recommend Ross and Anne to anyone. They are extremely knowledgeable and the service they provide is first class. As first time buyers, we were quite anxious about applying for a mortgage and were unaware of our options, but Ross and Anne explained everything in detail and made the whole process very simple. We were kept informed of any updates and all our questions were answered immediately. We will definitely use their services again in the future. They are an excellent team. Julie MageeCustomer I couldn't recommend Ross and Anne highly enough. Both super friendly and with a wealth of experience to draw upon; their ability to engage with providers directly has saved me time, money and stress! The personal touch they offer to clients has been a breath of fresh air ... zero need to trawl the web or listen to the same old scripts from robots down the phone. I'm in safe hands ... and I'm happy! Mark BirchenoughCustomer Ross is an excellent financial advisor and makes me feel so welcome on every visit. He has saved me hundreds of pounds over the years through his expert knowledge of the financial markets. I would not think of turning to anyone else for financial advice and with the expert assistance of his wife Anne they make and excellent team Ian BalmerCustomer The only financial advice you will ever need! Ross and Anne are not only extremely knowledgeable, but also always kind and warm. You feel comfortable from the moment you are welcomed by them and know you can ask any question at all. They have supported me for years now and I have recommended them to a lot of other people. Great advice, delivered promptly and with a big heart :-)... Thank you so much! Ellen De PauwCustomer Fantastic experience with Mortgage Options NI. The breadth of knowledge and the fighting for one's corner is something I will always be thankful for. Ross and Anne are a great team who really push things along for you and keep you well informed and very well advised. I would thoroughly recommended Mortgage Options NI. Paul HunterCustomer Mortgage Options NI have looked after our Mortgage and Insurance affairs for the last 15 years. Their wealth of knowledge and experience in dealing with mortgage and insurance institutions has been invaluable to us and we have always been guided professionally to the lenders/companies that best suited our requirements. They absorb the financial jargon of the lending establishments and search for the best deals from whatever the financial markets have to offer. I have no hesitation recommending Mortgage Options NI. David MageeCustomer Anne & Ross were highly recommended to us by close friends - at first we were apprehensive however after meeting with them in their own home we felt very at ease and is if we were talking with friends - The advice they have given us over the years has been invaluable - we have saved money and have better insurance now than we have ever had - Anne is constantly on the ball when it comes to any renewals we have coming up always searching for the best deals on our behalf. We have recommended Anne & Ross to various people and even endorsed them on social media - Absolute pleasure dealing with these guys and know they are only a call away with any questions we have which over the years I have tortured Anne and Ross with some unusual questions yet when I come off the phone my mind is at ease because I know we are in the best of hands. Toni CrosbieCustomer FAQS FREQUENTLY ASKED QUESTIONS Below are some of our most popular questions What is Loan-to-value (LTV) and deposits? The LTV ratio is the percentage of a property’s value that can be borrowed through a mortgage. This is usually between 70% and 90%, although some lenders may allow a higher LTV ratio. The deposit you need to put down will depend on your LTV, so if you want an LTV of 80%, then this means that 20% must be covered by the borrower’s own funds (or ‘deposit’). This is called the borrower’s equity. What is a fixed rate mortgage? A fixed-rate mortgage offers borrowers a set interest rate for the entire duration of the fixed term. This can be helpful. What are the interest rates? The interest rate on a mortgage is the percentage of the loan that you have to pay back in addition to the original amount borrowed. So, if you borrow £100,000 over 25 years at an interest rate of 0.75%, then your monthly repayment will be around £400 (plus an additional amount for insurance cover). Mortgages are generally repaid in monthly instalments, over a period of time called the ‘term’ which can last between five years and 40 years. The longer the term, the smaller your repayments will be – but the more interest you’ll have to pay, since it will accrue over a longer period. What are the types of mortgage? There are a range of different mortgage products available on the market, each with its own advantages and disadvantages. Here are some of the most common types: – repayment mortgages: these require borrowers to pay back both the original loan amount and the interest accrued over that time. This is the most common type of mortgage product – interest-only mortgages: these allow borrowers to repay only the interest on the loan each month, and not the actual loan amount. This can be helpful in reducing monthly payments, but remember that you’ll still have to pay back the original loan amount at some point. This may be beneficial to higher rate tax payers. They could use the money saved to fund a pension which they will get higher rate tax relief. They could then use the tax free element (25%) to pay off the capital. – fixed rate mortgages: as mentioned earlier, these offer borrowers a set interest rate for the duration of the fixed term. This can be helpful in budgeting, as you’ll know exactly how much your monthly payments will be – variable-rate mortgages: as mentioned earlier, these have a floating interest rate which goes up and down in line with prevailing market rates. This can be risky if rates rise significantly, but it also offers the potential for savings if they fall. Monthly payments on a variable mortgage will also change accordingly It’s important to remember that no matter what type of mortgage you choose, any outstanding debt will still need to be paid off in full at some point – usually when your home is sold. What is a mortgage? A mortgage is a type of loan which allows you to purchase a property, by borrowing money from a lender and then repaying the debt over time. The amount that you can borrow will be based on your income and credit score, as well as the value of the property itself. Mortgages are usually repaid in monthly instalments, over a period of time called the ‘term’ which can last between five years and 40 years. The longer the term, the smaller your repayments will be – but the more interest you’ll have to pay, since it will accrue over a longer period. Are mortgage rates going up? The interest rates on mortgages have been slowly rising over the past few months, and are predicted to continue doing so in the coming year. This means that now might be a good time to lock in a fixed-rate mortgage, if you can find one with a good deal. Your broker will be able to help you find the best mortgage product for your needs, taking into consideration all of these factors and more. What is the best mortgage rate? The ‘best’ mortgage rate is not necessarily the lowest one available. A low-interest rate may seem appealing at first glance, but remember that this means higher monthly payments; You need to find one which is right for you, based on how much money you want to borrow and the length of time over which it will be repaid. Mortgages are usually quoted in terms of “APR” or annual percentage rate – this figure tells us what interest rate (plus other fees) a lender charges when lending– it depends on what you’re looking for.! Your mortgage broker will be able to help you find the best mortgage rate for your needs, based on your budget and timeframe. What is an interest only mortgage? An interest-only mortgage allows borrowers to repay only the interest on the loan each month, and not the actual loan amount. This can be helpful in reducing monthly payments, but remember that you’ll still have to pay back the original loan amount at some point. It’s important to remember that no matter what type of mortgage you choose, any outstanding debt will still need to be paid off in full at some point – usually when your home is sold. What is a variable rate mortgage? A variable-rate mortgage offers borrowers an interest rate that changes over time, either upwards or downwards depending on market conditions. This can be risky if rates rise significantly, but it also offers the potential for savings if they fall. This is usually linked to the base bank rate. What is a tracker mortgage? A tracker mortgage offers borrowers an interest rate that follows Bank of England base rates. This can be helpful as it reduces the risk of interest rate rises – but remember that you’ll still have to pay back any outstanding debt at some point. What is a mortgage calculator? A mortgage calculator can be a helpful tool in figuring out how much you can afford to borrow, and what your monthly payments will be. You can find several online calculators by doing a quick Google search. Your broker will also have access to mortgage calculators which can help you figure out the best product for your needs.. How much deposit do I need for a mortgage? The amount of the deposit you’ll need to provide will vary depending on your circumstances and lender requirements, but it can be helpful in reducing monthly payments by low Can I get a mortgage with bad credit history? Yes – there are many lenders who offer mortgages to borrowers with less-than-perfect credit scores. However, the interest rates you’ll be charged will be much higher than those offered to borrowers with good credit, and you may also be required to provide a larger down payment. It is worth remembering that an independent mortgage broker has access to products that are not available direct to the public. What paperwork do I need to apply for a mortgage? When you visit a broker you will need the following. * Identity. Driving licence or passport. * Three months payslips and three months bank statements If you already have mortgage and wish to remortgage you will need your last mortgage statement with you. You do not want to be showing payday loans or gambling amounts on your statement as lenders tend to look down on this. Why do I need a mortgage broker, can't I just go to the bank? You can of course go to your bank for a mortgage. Your bank may have three or four mortgage deals to offer you. These deals may not suit your purpose or your particular situation. By trusting a mortgage broker it opens the gateway to some 72 lenders and 13,000 mortgage deals. You will find that the people who work in banks generally go to a broker for this reason. What is a good credit score for a mortgage? A good credit score for a mortgage is anything over 700. This will ensure that you get the best interest rates and terms available, as well as qualify for larger loan amounts. If your credit score is lower than this, don’t worry – there are still options available to you, but you may have to pay a higher interest rate or accept a shorter term. How long does it take to get a mortgage in Northern Ireland? People always ask how long does it take to get a mortgage. How long is a piece of string? It depends on a variety of things like, do you have your last three payslips, last three bank statements and are you on the voters role. Is your credit history in good order. All these things help speed up the process. But, generally speaking, two to three weeks if everything is in order. BLOG POSTS USEFUL INFORMATION See The Mortgage Options NI Blog PROBLEM GETTING A MORTGAGE IN NORTHERN IRELAND? Preparation for Getting a Mortgage in Northern Ireland Getting a mortgage in Northern Ireland is a significant step towards property ownership. Although it requires careful preparation Read More » March 13, 2024 No Comments MORTGAGES NORTHERN IRELAND – MORTGAGE OPTIONS NI Mortgages Northern Ireland – Mortgage Options NI has been in operation for more than 40 years as an independent mortgage dealer. We have been assisting Read More » March 13, 2024 No Comments GET A FREE QUOTE Name Service Email Phone Message Estimate Request GET IN TOUCH * info@mortgageoptionsni.co.uk * Mobile - 077 1090 6738 * Office - 028 2589 8625 * Mon - Fri : 10 AM - 5 PM * Sat - Sun : Closed QUICK LINKS * Home * Mortgages * Credit Check & Insurance * Reviews * Contact Copyright © 2024 Mortgage Options NI | All rights reserved Privacy Policy