UK Independent. Sourced. Primary. · Est. 2024

Independent Mortgages & Loans Ltd | Mortgage Brokers | nan | Est. 2002

Independent Mortgages & Loans Ltd is a mortgage brokers registered in nan, established 2002. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Independent Mortgages & Loans Ltd

Mortgage Brokers · United Kingdom, Northern Ireland · Est. 2002

24 years
Active Trading
Active
CH Status
1,102
Monthly Views
9
Enquiries

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Company Registration Details

Registered company nameIndependent Mortgages & Loans Ltd
Companies House numberNI044650 →
Company typePrivate Limited Company (Ltd)
Registered address6a Ensbury Drive, BT19 6UF
City / RegionUnited Kingdom, Northern Ireland
Date incorporated2002
Years trading24 years
CH statusActive
SpecialismRecorded activity: 64922, 64999 (financial intermediation not elsewhere classified)
Index statusClaim this listing →

About Independent Mortgages & Loans Ltd

Founded in 2002, Independent Mortgages & Loans Ltd has been active for 24 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

The Kaeltripton Financial Index records 5754 mortgage brokers nationally, 12 of them in Irelan.

Confirm FCA authorisation on the Financial Services Register at register.fca.org.uk before instructing any firm.

What Mortgage Brokers Do

Mortgage intermediaries advise on and arrange home loans, working from either a whole-of-market view or a defined lender panel. How much of the market a firm can search is a regulated disclosure, made before any recommendation.

Complex circumstances are where intermediation matters most, because lender criteria diverge sharply off the mainstream.

How to Choose the Right Mortgage Broker

Borrowers with straightforward employment and clean credit have the widest choice of firms; complex cases benefit from specialists. Ask any prospective firm how many lenders it can place with and whether it has handled cases like yours recently.

The fee structure varies by firm but must always be disclosed in writing at the start of the engagement.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.
How much does a mortgage broker charge?
Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.
What documents do I need to provide to a mortgage broker?
The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.
How long does the mortgage process take when using a broker?
Mainstream lenders typically issue an offer within two to six weeks of submission; specialist cases run longer. Active case management, chasing the lender and resolving queries promptly, is where a firm shortens the timeline.
Can a mortgage broker help if I have been declined by a lender?
Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

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Important notice: This page presents publicly available information from the Companies House register. Kaeltripton.com is a directory service and is not affiliated with Independent Mortgages & Loans Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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