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If you’ve got questions, Northern Mortgages has all the answers.

How much you can borrow for a mortgage depends on several factors, and lenders have different criteria.

Usually, though, what you can borrow will be based on your age, employment status, deposit amount, credit rating and existing credit commitments.

Contact Northern Mortgages, and we’ll ask you some quick questions and let you know what you’ll be able to borrow.

Contact Northern Mortgages, and we’ll take care of the rest.

An interest-only mortgage means you only pay the interest cost each month, and your loan amount remains the same. 

If you choose to opt for an interest-only mortgage, you will have two options at the end of your term.

Option 1 is to sell your house to repay your mortgage, and option 2 is to find another source for repaying your mortgage loan amount.

On the other hand, a repayment mortgage means that you make all your regular payments each month, and at the end of your mortgage term, all of your mortgage will have been completely paid.

For most mortgage lenders, you’ll need a minimum deposit of 5%, but it’s more common now for lenders to want you to have a 10-15% deposit.

So, for a house in Northern Ireland valued at £100,000, you’ll need a deposit of between £5,000 and £15,000 in most cases.

The cost of your monthly mortgage will vary depending on your loan amount, the interest rate and the term length of your mortgage.

Contact Northern Mortgages, and we’ll ask you some quick questions and give you an estimate of the likely monthly mortgage payments.

Got a question?

Contact the Northern Mortgages team today for advice you can trust.

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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

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

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