The Mortgage Shop Newtownards Ltd

Mortgage Brokers · Newtownards, Northern Ireland · Est. 2020

6 years

Active Trading

Active

CH Status

NI673434

Company No

2025

Accounts to

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Company Registration Details

Registered company name	The Mortgage Shop Newtownards Ltd
Companies House number	NI673434 →
Company type	Private Limited Company (Ltd)
Registered address	5 Moville Street, BT23 7JG
City / Region	Newtownards, Northern Ireland
Date incorporated	2020
Years trading	6 years
CH status	Active
Specialism	Recorded activity: 64922
Index status	Claim this listing →

About The Mortgage Shop Newtownards Ltd

Incorporated in 2020, The Mortgage Shop Newtownards Ltd is an established firm with 6 years of trading history. The company has built its practice during a period of significant evolution in the UK financial services market and continues to operate as an active registered company.

Irelan accounts for 12 of the 5754 mortgage brokers tracked on this index.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

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. The breadth of lender access differs between firms and shapes the range of products a borrower will actually see.

Broker knowledge earns its keep on non-standard cases: self-employed income, adverse credit, unusual construction or large loans.

How to Choose the Right Mortgage Broker

Choose by case type: mainstream residential, buy-to-let, later-life lending and adverse credit are distinct specialisms. Before instructing, ask for the firm's scope of lender access and recent experience with your case type.

Most firms are paid a procuration fee by the lender on completion; some add a client fee, which must be disclosed upfront.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Going direct works for straightforward cases with a lender you already fit. The case for a broker is breadth: many lenders' criteria compared simultaneously, and knowledge of which specialist lenders accept cases the high street declines.

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?

Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.

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?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with The Mortgage Shop Newtownards 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.

The Mortgage Shop Newtownards Ltd | Mortgage Brokers | Newtownards | Est. 2020