YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Mortgages
Independant Mortgage Advice Across Northern Ireland Since 1980.
Whether you're buying your first home, moving up, remortgaging, or growing a property portfolio, we'll find a mortgage that fits — with access to most of the market and no pressure to decide today.
Local, independent advice from a family business.
WHO WE HELP
Residential Mortgages
For homebuyers and homeowners across Northern Ireland.
- First-time buyer mortgages
- Home mover mortgages
- Remortgages
- Product transfers & rate reviews
- Employed or Self Employed
Buying or remortgaging a home is one of the biggest financial decisions you'll make. We take the time to understand your circumstances and explain your options in plain English.
Buy-to-Let Mortgages
For landlords and property investors, whether it's your first rental property or a growing portfolio.
- Standard buy-to-let mortgages
- Portfolio landlord mortgages
- Let-to-buy
- Remortgaging existing rental property
- Limited Company
As a business built on strong relationships with local landlords, estate agents and property managers, we understand the buy-to-let market inside out.
Co-Ownership
For first-time buyers and others looking to get onto the property ladder through Northern Ireland's Co-Ownership scheme.
- Co-Ownership Housing Association applications
- Staircasing (increasing your share over time)
- Support through the whole process
Co-Ownership is a popular route onto the property ladder in Northern Ireland and something we can help you with.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Why choose KYLE
Wide access to market
Not tied to one lender — we search to find the right fit.
No-obligation first conversations
Understand your options before you decide anything.
Family business since 1980
Two generations of local, trusted advice.
The whole picture, joined up
Mortgage, protection and property insurance together.
HOW IT WORKS
Inital Chat
A no-obligation conversation about what you're looking to achieve.
Fact-Find & Affordability checks
We get a clear picture so any recommendation is right for you.
Recommendation
Plain-English options, including costs, risks and alternatives.
Application & support
We handle the paperwork and keep you updated throughout.
Why KYLE FOR YOUR MORTGAGE
Small, independent, and Directly Authorised — backed by Paradigm Mortgage Club
We're immensely proud to be small and independent. Being small doesn't mean settling for less — as members of Paradigm Mortgage Club, an award-winning mortgage club, we have the same lender access and support behind us as the bigger brokers, without losing the personal, local service that comes from being a small family business.
DIRECTLY AUTHORISED
Our own FCA permissions
We're not restricted to one network's panel or products — our advice is genuinely independent.
Lenders
Access to most of the market
High-street and specialist lenders, including options for self-employed applicants and complex or unique cases.
AWARD-WINNING SUPPORT
Paradigm Mortgage Club
Winner of Best Mortgage Club (Mortgage Strategy Awards & Financial Reporter Awards), Outstanding Adviser Network (COVER Excellence Awards)
FAQs
How much can I borrow?
This depends on your income, outgoings, credit history and the lender's own criteria. We'll talk you through a realistic figure once we understand your circumstances.
Do I need a big deposit?
Deposit requirements vary by mortgage type and lender — typically more is needed for buy-to-let than residential. We'll explain what's realistic for your situation.
What's the difference between a residential and buy-to-let mortgage?
A residential mortgage is for a home you'll live in yourself. A buy-to-let mortgage is for a property you intend to rent out, usually assessed on rental income rather than salary.
Do you charge a fee?
We receive commission from the lender, and also charge a mortgage advice fee: £250 for most residential and buy-to-let cases, rising to £500 for Limited company buy-to-let cases. We'll always confirm any fee upfront.
What is the Co-Ownership scheme?
Co-Ownership is a Northern Ireland scheme that lets you buy a share of a home (typically 50-90%) and pay rent on the remaining share, making home ownership more accessible if you can't afford to buy outright. Over time, you can "staircase" — buy further shares until you own the property outright.
Is my mortgage protected if I can't work?
This is where protection cover comes in — we can talk you through options like income protection and critical illness cover alongside your mortgage.
Ready to talk about your mortgage?
First-time buyer, moving home, or growing a portfolio — no obligation.