Business Details
Trusted Mortgage Advisers in Derry
At Irwin Financial, we specialise in providing tailored mortgage and personal insurance solutions. With over two decades of experience in the financial services industry, including a significant tenure as a branch mortgage adviser at First Trust Bank, we bring deep expertise to our clients. Our approach focuses on understanding individual needs through confidential consultations, offering advice that aligns with each client's unique circumstances. We work with a comprehensive panel of lenders to ensure access to competitive mortgage products, serving first-time buyers, home movers, and those seeking remortgaging or equity release options. Our insurance services are designed to protect families against financial hardship from unexpected events, with coverage options including life cover, critical illness protection, and income support.We prioritise transparency, discussing all fees upfront and offering flexible appointment times, including evenings and weekends, to accommodate client schedules. Our practice is regulated by the Financial Conduct Authority, ensuring adherence to rigorous professional standards. We serve clients across Northern Ireland, with offices in Derry/Londonderry and Limavady, while also offering remote consultations via telephone or online platforms. Our commitment to customer-focused service has built lasting relationships with clients throughout our career in finance.
Services
Mortgage Advice
Insurance Cover
Life Cover
Critical Illness Cover
Income Protection
Family Income Benefit
Buy to Let Mortgages
Co-Ownership Mortgages
Highlights and features
- We offer 20+ years of mortgage advisory experience from a former bank branch adviser
- We work with a comprehensive lender panel representing the whole market
- Our advice is tailored to your individual financial circumstances and goals
- We provide flexible appointment options including evenings and weekends
- Our practice maintains professional regulation through the Financial Conduct Authority
Associations and certifications
- Financial Conduct Authority
- PRIMIS Mortgage Network
Services
Mortgage Advice
We provide comprehensive mortgage advice tailored to individual circumstances. Our services cover first-time buyer mortgages, remortgaging options, equity release solutions, and buy-to-let financing arrangements. With access to a wide panel of lenders, we help clients find suitable mortgage products that match their specific financial situations and property goals.
Life Cover
Our life cover policies provide financial protection for your family in the event of your death. These plans ensure your mortgage and living expenses can be covered, offering peace of mind that your loved ones will be financially secure. We help clients select appropriate coverage levels based on their individual needs.
Critical Illness Cover
This insurance provides a lump sum payment if you're diagnosed with a specified critical illness. It helps maintain financial stability by covering mortgage payments and medical expenses during recovery periods. We tailor these policies to include relevant conditions based on your personal circumstances.
Income Protection
Our income protection policies replace a portion of your income if you're unable to work due to illness or injury. These plans ensure ongoing mortgage payments and living expenses can be met during extended absences from work, providing essential financial security for policyholders.
Co-Ownership Mortgages
We offer specialist co-ownership mortgage solutions in partnership with CoOwnership NI. These arrangements allow multiple parties to jointly purchase property with flexible financing structures. Our advisers help structure these mortgages to suit various budgetary requirements and ownership arrangements.
People
Louise Irwin
Mortgage Adviser
Louise has over 20 years' experience in financial services, previously working as a branch mortgage adviser at First Trust Bank. She specialises in mortgage and personal insurance products, providing professional advice to clients across Northern Ireland.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates through our comprehensive lender panel.
Can you help with remortgaging existing properties?
Yes, we review existing mortgage arrangements and recommend suitable remortgaging options to meet changing needs.
What insurance products do you offer?
We provide life cover, critical illness cover, income protection, and family income benefit policies.
Are your mortgage services regulated?
We are regulated by the Financial Conduct Authority as an Appointed Representative of PRIMIS Mortgage Network.
Do you charge for initial consultations?
No, we offer free initial consultations to discuss your mortgage and insurance requirements.
Can you assist with buy-to-let mortgages?
Yes, we provide buy-to-let mortgage solutions though these are typically not regulated by the FCA.
