Ensuring you’re making the right investment

When it comes to choosing a mortgage, it has to be the right choice. At Mortgage Advice Shop, our financial consultants explain every aspect of the competitive mortgage market and ensure that the prices recommended by us are in accordance with your lifestyle and budget.
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Cost of buying

Stamp duty
Up to £125,000 – 0%
Over £125,000 to £250,000 – 2%
Over £250,000 to £925,000 – 5%
Over £925,000 to £1,500,000 – 10%
Over £1,500,000 – 12%

Higher lending charge

Should your mortgage be a high percentage of the property’s value, lenders may charge a fee.
Your lender invests this fee in insurance, in order to protect them in case they repossess your property and sell your home for less than the amount outstanding on your mortgage.
Please be aware that this insurance does not protect you. If there is a shortfall after the sale of your property, you will still be responsible.

Valuation and survey fees

This service may be charged.
You can choose a Basic Valuation report, Homebuyers report or a Building Survey previously known as a full structural survey. We’ll let you know the cost you need to pay depending on your charge.

Removal costs

We recommend you obtain quotes from various removal firms prior to making your decision.

We will make the whole first time mortgage process as clear and straightforward as possible. To discuss your mortgage deal, call us on

Belfast – 028 9023 9699
Ballymena – 028 2544 2507
Portadown – 028 3835 1231