Irwin Mortgage & Financial Services, Derry

Irwin Mortgage & Financial Services
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 Co Ownership NI so that we can really tailor a mortgage solution to suit a variety of budgets.

Whilst the majority of our clients are based in the Derry / Londonderry and Limavady areas, we also offer appointments at offices throughout Northern Ireland at a location and time to suit you including weekends and outside of normal office hours. Your initial consultation is free.

Why Choose Irwin Mortgage & Financial Services?

• Experienced
• Trusted
• Professional
• Specialist

Mortgages

First Time Buyers Mortgage
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.

Remortgage
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.

Buy To Let Mortgage
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.

Co-Ownership
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 Co Ownership support. With a scheme such as this, you buy a share of the property and Co Ownership buy the remainder. You pay a mortgage on your share and a rent to Co Ownership for the rest. You may not need a deposit, and when you can afford to, you can buy back the Co Ownership share step by step until the entire property is yours.

Insurance Cover

Life Cover
​Life insurance is a type of insurance contract which pays out a lump sum to your dependants should you pass away during the term of the policy. The cost of the policy depends on a number of different factors such as your age, health and lifestyle.

Critical Illness Cover
​​Critical illness can help minimise the financial impact on you and your family if you became seriously ill. It is an option that can be added for an extra cost when you take out life insurance. It could pay out a cash sum if you were diagnosed with one of the specified critical illnesses covered by your policy. The payout could help you with child care costs, medical costs, household bills or help to maintain your standard of living if you are forced to take time off work to recover.

Income Protection
This type of policy will cover a wide range of illnesses and situations and has the potential to pay out for many years. The cost of the policy will vary depending on a number of different factors such as the amount of income you would like to protect, the waiting period before the policy pays out and the term of the policy. The cost will also be dependent on factors such as your age, health and lifestyle.​

Family Income Benefit
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.

Accident, Sickness, Unemployment Cover
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.

Buildings And Contents Cover
Home insurance comes in two parts, buildings insurance and contents insurance. These can be combined or taken out separately. Most lenders will stipulate that buildings insurance is a compulsory requirement and you may need to provide confirmation of this before your mortgage money can be released. We can take care of this for you.