Craig Mortgages and Protection

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Craig Mortgages and Protection

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Mortgage & Protection Adviser in Bangor, NI. That’s where we come in. Your home may be repossessed if you do not keep up repayments on your mortgage.

Craig Mortgages and Protection is a trading style of Hunter Mortgages Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. We proudly support clients throughout Northern Ireland, including areas such as Belfast, Bangor, Newtownards, North Down, and County Down. Whether you prefer to work with us locally or remotely, you can expect the same high level of guidance and support every step of the way. We understand that mortgages and protection products can feel complex, with a wide range of rates, features, and options to consider. We simplify everything by cutting through the jargon, clearly explaining your choices, and guiding you from start to finish, making the process straightforward, stress-free, and tailored to your individual needs.

28/10/2026

"Offers over" in Northern Ireland really means "hold onto your seat" 🔥🏠

Who else has been in a PropertyPal bidding war? How far over the asking price did it go? 👇

27/10/2026

Offer accepted… then the valuation comes back lower than the price you agreed? 😬

With so many homes in Northern Ireland going to "best and final" offers, it happens more than you'd think. Lenders base their lending on the lower of the purchase price and the valuation, so a down valuation can leave a gap in your deposit.

Your options can include:
• Going back to the estate agent to renegotiate, using the valuation as evidence
• Putting in extra deposit to cover the difference, if you're able to
• Asking whether the valuation can be reviewed, if there are recent comparable sales nearby
• Talking to your adviser about whether another lender could be an option

It's also worth knowing your comfortable maximum before a bidding war starts. Buying in Northern Ireland and want a hand? Call 07746 973929 or visit https://craigmortgages.co.uk/contact/

Your home may be repossessed if you do not keep up repayments on your mortgage.

26/10/2026

That moment the door opens and it's actually yours 🔑🏡

From "offer accepted" to "here are your keys", we're with you every step of the way.

Call 07746 973929 or visit https://craigmortgages.co.uk/contact/

Your home may be repossessed if you do not keep up repayments on your mortgage.

26/10/2026

“I don’t need insurance…” - Until you do.

It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t happen to me.”

And hopefully, it won’t. ❤️

But what if life had other plans?

🏡 Your mortgage still needs paying.

💷 Your bills don’t stop.

👨👩👧 Your family still needs supporting.

💰 And your savings? They could disappear quicker than you think.

Here’s the reality: £5.15 BILLION was paid out in individual life insurance, critical illness and income protection claims in the UK during 2025.

📈 97.9% of individual protection claims were paid in 2025.

That’s financial support reaching people when life didn’t go to plan.

So, here’s one question worth asking yourself:

If your income disappeared tomorrow, how long could you and your family manage financially?

A week? A month? Six months?

If you’re not sure, isn’t it worth finding out before you need the answer?

You don’t need to have all the answers today. You just need to take the first step.

📩 Send me a message for a friendly chat about your options. Let’s see what you already have in place, identify any gaps and explore what you could do to protect your financial future.

Because the best time to think about protection is while you still have the choice.

23/10/2026

"Life insurance is too expensive." Is it, though? 💭

It's one of the most common things I hear, but the cost is often less than people expect. It depends on things like your age, health, lifestyle and the amount and length of cover you choose.

Another myth: "I've cover through work, so I'm sorted." Workplace cover can be a great start, but it usually ends if you leave that job and may not be enough to cover your mortgage and family.

If you'd like to see what could fit your budget, call 07746 973929 or visit https://craigmortgages.co.uk/contact/

22/10/2026

Me: We've been SO good saving for the deposit 💪
Also me, before sending 3 months of bank statements to my mortgage adviser: 🙈

No judgement here, honestly. We've all had a few takeaway weeks. Tag your deposit-saving partner in crime 👇

21/10/2026

Found "the one"? Get a DIP before you offer. 🔑

A Decision in Principle (sometimes called an Agreement in Principle) is a lender's early indication of how much they may be willing to lend you, based on some basic details and a credit check.

It isn't a guaranteed mortgage offer, but it shows estate agents you're serious and gives you a clearer idea of your budget before you make an offer.

Call 07746 973929 or visit https://craigmortgages.co.uk/contact/

Your home may be repossessed if you do not keep up repayments on your mortgage.

20/10/2026

Day 9 of waiting for the mortgage offer… 📱

Refresh. Refresh. Refresh. Who else has been here? 🙋

It's a waiting game, but having your payslips, bank statements and ID ready early means nothing on your side holds things up.

19/10/2026

Saving for a deposit? Lenders will read your bank statements too. 🏡

A few habits that help first-time buyers:
• Move money into savings on payday, before you can spend it
• Keep your statements tidy in the months before you apply
• Using a Lifetime ISA? Check the rules (including the property price limit) before you plan to use it
• If family are gifting towards your deposit, mention it early so the paperwork is straightforward

Call 07746 973929 or visit https://craigmortgages.co.uk/contact/

Your home may be repossessed if you do not keep up repayments on your mortgage.

16/10/2026

POV: "Just one quick look" turned into a 2-hour PropertyPal marathon 😅

We've all been there. Tag the person who has every 3-bed in Bangor memorised 👇

Tip: knowing roughly what you could borrow before you start scrolling saves a lot of falling for houses that were never in budget.

Address

4 Lynn Hall Place
Bangor
BT191XP

Telephone

+442891241306

Website

http://www.craigmortgages.co.uk/

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