Irwin Financial
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Irwin Financial At Irwin Mortgage & Financial Services we understand that dealing with financial matters such as your mortgage or personal insurance can be daunting. We are here to make managing your finances as stress free and easy as possible. As Independent advisers we are able to source mortgage deals across the market and find the best deal to suit your individual needs.

We can access a comprehensive range of deals and we work with first time buyers, home movers, clients who may be interested in remortgaging and releasing some equity for a range of reasons, we also review existing mortgage arrangements for clients to ensure they are on the absolute best available deal to suit their requirements. As well as all of this, we work closely with CoOwnership NI so that we can really tailor a mortgage solution to suit a variety of budgets.

We can also help you to ensure you and your family are protected against unexpected sickness or injury which may result in you being unable to earn an income to provide for your family and pay important bills such as your mortgage.
Highlights

read more › Louise specialises in Mortgage and Personal Insurance products. Prior to establishing her own Practice, she worked for First Trust Bank for over 21 years where she had various roles working with both personal and business customers. Many of her years at the Bank were spent as the branch mortgage adviser where she gained her extensive knowledge in this area. Originally from the Waterside area of Derry / Londonderry, Louise now lives in Limavady but given the various areas that she has worked in throughout her career in finance, finds that the she has clients from many locations throughout Northern Ireland and beyond.

read more › We understand that buying your first home can be overwhelming but we are here to guide you through the process, every step of the way. We can usually give you an indication regarding the mortgage approval after a quick chat and subject to you providing satisfactory supporting financial documentation. We will help keep the process as straightforward and stress free as possible by dealing with all of the mortgage paperwork, liaising with your Solicitor/Estate Agent as and when required, and by being there for you, providing regular updates and answering any queries you may have.

read more › Many people do not realise that their mortgage deal may have expired and that they may be paying a higher interest rate than necessary. At Irwin Mortgage & Financial Services we are not tied to just one Lender, we have access to deals across the market. We also have access to exclusive deals which may not be available on the high street. Whether you just want your interest rate reviewed to see if you can save money, if you are moving home or if you just want to borrow additional money, we can give you honest and friendly advice in layman's terms.

read more › If you are considering buying an investment property or even if you already own several rental properties, our expertise and access to deals across the market will enhance your experience. Buying to let is not for everyone but we are on hand to talk you through the process and the options that may be available to you. Similar to any mortgage application, we will complete the paperwork, liaise with Solicitors/Estate Agents and guide you through the entire process of buying an investment property.

read more › In the event that you are finding it difficult to access sufficient funds to enable you to buy the house that you want, you may be entitled to CoOwnership support. With a scheme such as this, you buy a share of the property and CoOwnership buy the remainder. You pay a mortgage on your share and a rent to CoOwnership for the rest. You may not need a deposit, and when you can afford to, you can buy back the CoOwnership share step by step until the entire property is yours. This is another option for getting on the property ladder for those people starting out who may not have sufficient funds right now.

read more › A policy such as this will ensure that your family will receive a regular income or lump sum for a specified timeframe in the event of your death or if you were to be diagnosed with one of the specified critical illnesses. This gives you peace of mind that your family can sustain a certain standard of living at a difficult time. Your initial consultation is free.

read more › ASU is designed to provide you with the financial security you need in the event that you are unable to continue to work if you are injured, too ill to be able to work, or you have lost your job through no fault of your own. Your policy could pay out a percentage of your income for up to 12 months which you can use to help pay the bills. Your initial consultation is free.

read more › A fixed rate is usually set at a specific rate for an agreed term eg there are 2/3/5 year deals available where you can opt for a fixed rate and have your repayments guaranteed to stay the same for the agreed term even if interest rates change. However you are usually tied into this deal for that period of time and may have to pay a fee if you want to pay the mortgage back early. With a variable interest rate your mortgage payments will go up or down depending on interest rates but there is usually more flexibility with this type of mortgage and you can usually pay off lump sums without being penalised.

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