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About Us

About ME

Say hello to award-winning, nationally recognised mortgage broker Rachael Mullan.


My name is Rachael Mullan, and I am the owner of Northern Mortgages.

Property has been a lifelong passion; my grandad was a builder. He often spoke about how his daily work positively affected other people’s lives.

After I left school, I worked in an Estate Agents and gained my Financial Advisor qualifications.

The birth of Northern Mortgages.

I knew there was more I could do to help clients. And so, just over a decade ago, Northern Mortgages was born. Underpinning absolutely everything I do is a belief in three core principles:


Getting a mortgage should not be difficult or stressful, and all advice should be non-judgemental.


You shouldn’t be charged extortionate fees for buying a home.


Mortgage advisors should act with their client’s optimal interests at heart, regardless of commission incentives.

Recognised across the UK

Award-winning, advice you can trust.

Fast forward to 2023, and Northern Mortgages is one of the UK’s leading Mortgage Brokers.

The company and I are multi-award-winning, too. I’ve been recognised across the Northern Ireland and UK as an award-winning Mortgage Broker, thanks to the work I do for my clients.

This includes recent awards like the NatWest’s Top Female Broker in Northern Ireland three years in a row (2022, 2021, 2020, 2019) and Top 50 Business in Belfast.


Happy clients share the love

The professional recognition is great, of course. But it’s the smiles and tears of happiness from clients daily after securing their dream homes that makes my job special. Clients have said lovely things like:

So, why do people choose Northern Mortgages?

First time buyer? Downsizing or upsizing your home? Moving to a new area? Let us help you. 

Have you outgrown your current home and need somewhere with a little more space? Or maybe you’d like to downsize, or you just want to move to a new area? At Northern Mortgages, we have access to all the best Home Movers Mortgage deals.

And our award-winning, fee-free, and hassle-free service will guide you along every step of the way.

You never have to pay us a penny, ever! 

All mortgage brokers get the same commission fee as us from mortgage lenders.

However, unlike other mortgage brokers, we don’t ask you to pay any more.

Unlike other mortgage brokers, we will never be swayed by commission incentives. 

We work to get you the recommended deal every single time. 

Our unbiased recommendations will be based on what you need, not the financial incentives offered by lenders.

With over twelve years of experience in the mortgage industry, you’ll benefit from our extensive knowledge.

We know that every person’s circumstances are different, and we’ll make sure your new mortgage is a perfect fit.

Paperwork for mortgages can be confusing, stressful and never-ending, but not for us.

So you won’t have to worry about that anymore; we’ll do all the paperwork on your behalf.

I’m looking forward to helping you secure your dream home.

Rachael Mullan


Northern Mortgages is a trading name of Rachael Mullan who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.

You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

No fee will be charged for our advice services. We will be paid a procuration fee from