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Home > Mortgage Calculator
Mortgage Calculator
Use our FREE easy-to-use mortgage calculator to estimate your monthly payments. Simply input your property value, deposit, interest rate, and loan term to get accurate results and plan your home purchase with confidence.
Please be aware that by clicking onto the above link you are leaving the First Stop Mortgages And Protection NI Ltd's website. Please note that neither First Stop Mortgages And Protection Ltd nor PRIMIS Mortgage Network are responsible for the accuracy of the information contained with the linked site accessible from this page.
FAQ's
Got Questions before you reach out? No problem! You can find Answers to Our Most Frequently Asked Questions, on Mortgages, below:
1. What is a mortgage?
A mortgage is a loan used to purchase property or land. The loan is secured against the value of the property until it is fully repaid.
2. What types of mortgages do you offer?
We offer a range of mortgages, including fixed-rate, variable-rate, tracker, and offset mortgages, tailored to suit different financial situations and needs.
3. How much deposit do I need for a mortgage?
Typically, you will need a deposit of at least 5% to 20% of the property’s value, though larger deposits can secure better interest rates.
4. What is the difference between a fixed-rate and variable-rate mortgage?
A fixed-rate mortgage has an interest rate that stays the same for a set period, while a variable-rate mortgage’s interest can fluctuate, depending on changes in the lender’s rate or the Bank of England’s base rate.
5. How do I apply for a mortgage?
You can apply for a mortgage by submitting an application through our website or speaking with one of our mortgage advisers, who will guide you through the process.
6. What documents do I need to apply for a mortgage?
You’ll typically need proof of identity, proof of income (such as payslips or bank statements), and details of any existing debts or financial commitments.
7. Can I remortgage my property?
Yes, remortgaging allows you to switch to a new mortgage deal, either with the same lender or a different one, to get a better rate, release equity, or consolidate debt.
8. How long does it take to get a mortgage approved?
The approval process usually takes between 2 to 6 weeks, depending on the complexity of your application and any additional checks required.
9. What happens if I can’t keep up with my mortgage repayments?
If you’re struggling to make payments, contact us immediately. We can discuss options like extending your term, switching to an interest-only mortgage, or temporarily reducing your payments.
10. Do you offer advice for first-time buyers?
Yes, we provide tailored advice for first-time buyers, guiding you through the process and helping you find a mortgage that suits your budget and future plans.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in Northern Ireland
First Stop Mortgages And Protection NI Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered office address – Unit J, Mayfair Business Centre, Portadown, Co. Armagh, Northern Ireland, BT62 1HA
Registration number – NI639180
Trading address – Mayfair Business Centre, Portadown, Craigavon, BT62 1HA
For our mortgage advice services, we will charge a fee of between £0 & £495 with our typical fee being £295. The amount we charge is dependent on the complexity of the mortgage application.
