Laura Lewis Financial

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Belfast-based Mortgage & Insurance Broker serving NI & UK. 20+ years’ experience, award-winning advice. That’s why education is central to everything we do.

Tailored solutions for homebuyers, landlords & families — guided with care, clarity & integrity every step of the way. At Laura Lewis Financial, we believe mortgages and insurance are more than transactions — they are life decisions that shape futures. With over 20 years in financial services, we guide clients across Northern Ireland and the UK with clear, personalised advice and unwavering support. We specialise in:

🏠 First-Time Buyers, Home Movers, Re-mortgages

🏘️ Buy-to-Let, Ltd Company & Portfolio Landlords

🛡️ Life Insurance, Critical Illness, Income Protection, Family Income Benefit, Home Insurance

Built on family values, we treat every client with respect, care, and integrity — delivering honest advice, tailored solutions, and lasting peace of mind.

12/10/2026

Before you fall in love with a house, it helps to know what may actually be realistic. 🏡

It’s very easy to start scrolling through properties, find somewhere you love and then try to work backwards from the asking price.

But for a first-time buyer, I’d much rather we understand your position first.

That means looking at your income, deposit, monthly commitments, credit position and affordability, as well as talking about what sort of monthly payment actually feels comfortable for you.

That’s where the planning really starts.

A complimentary consultation gives us the opportunity to look at the full picture with you and help you understand what may be realistic before you get too far into the house-hunting process.

And you don’t need to have everything perfectly worked out before speaking to us.

Sometimes the most useful conversation is the one you have before you’ve found the house, because it can give you a clearer idea of the price range and monthly commitment you may feel comfortable exploring.

For me, mortgage advice should help take some of the guesswork out of buying your first home.

You should feel informed, supported and empowered - and able to start looking with a clearer plan.

Wherever you live in the UK, we can help you understand what may be realistic for you and guide you through your mortgage options.

No jargon. No pressure. Just clear guidance based on your circumstances.

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

07/10/2026

What would your monthly mortgage payment actually feel like? 🏡

Knowing roughly what you may be able to borrow is one thing. Feeling comfortable with the monthly payment is another.

That’s where I come in.

A complimentary consultation gives us the chance to look at your full situation, talk through what may be realistic and help you understand what different mortgage options could actually mean for you month to month.

The aim is that you leave with a clearer plan and a better idea of what feels comfortable for you, so when you do start looking seriously, or if you already have a property in mind, you’re not just working from a headline borrowing figure.

You’ve got a better understanding of the bigger picture, including affordability, monthly commitments and what may suit your circumstances.

For me, that’s what good mortgage advice should do.

It should help you feel informed, supported and empowered - and more confident about the next step, without any pressure to rush.

Wherever you live in the UK, we can help you understand what may be realistic for you and guide you through your mortgage options.

No jargon. No pressure. Just clear guidance based on your circumstances.

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

27/09/2026

Paying your rent on time is important, but does it automatically mean you’ll qualify for a Track Record mortgage? 🏡

Not necessarily.

A consistent rental history may help support an application, but lenders still need to look at the wider picture.

That can include your income, monthly commitments, credit position, affordability and whether the property and application meet the lender’s criteria.

So even if you’ve comfortably paid your rent every month, it’s worth understanding how everything else fits together before you apply.

If you’re a first-time buyer in Belfast and wondering whether a Track Record mortgage or another low-deposit option could work for your circumstances, Laura Lewis Financial can help you understand what may be realistic.

No jargon. No pressure. Just clear guidance before you apply.

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

25/09/2026

Used a mortgage calculator and got a number that looks promising? 🏡

It can be a useful starting point, but a calculator can’t see everything a lender may consider.

Your income, monthly commitments, credit position, deposit, employment circumstances and overall affordability can all affect what may actually be available to you.

And there’s another question that matters too: even if you could borrow a certain amount, would the monthly payment actually feel comfortable?

If you’re a first-time buyer in the UK, getting some clarity before you start viewing properties seriously can help you understand what may be realistic for your own circumstances.

At Laura Lewis Financial, we’ll look at the full picture with you, not just a calculator result.

No jargon. No pressure. Just clear mortgage guidance.

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

17/08/2026

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝗮 𝟭𝟬𝟬% 𝗧𝗿𝗮𝗰𝗸 𝗥𝗲𝗰𝗼𝗿𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗺𝗲𝗮𝗻? 🏡

Put simply, some mortgage options may allow eligible buyers to borrow the full purchase price of a property - which is why you may hear them referred to as “100% mortgages”.

With a Track Record mortgage, your history of consistently paying rent may help support your application by showing that you’ve been managing a regular monthly housing cost.

But the important bit is 𝘀𝘂𝗯𝗷𝗲𝗰𝘁 𝘁𝗼 𝗰𝗿𝗶𝘁𝗲𝗿𝗶𝗮.

Your income, affordability, credit position, rental history and wider circumstances will still need to meet the lender’s requirements.

So if saving a traditional deposit feels like the main thing standing between you and buying your first home, this could be something worth exploring.

The goal is to understand what may be realistic for 𝘆𝗼𝘂𝗿 𝗰𝗶𝗿𝗰𝘂𝗺𝘀𝘁𝗮𝗻𝗰𝗲𝘀 before you apply.

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

14/08/2026

🏡 **More great news for first-time buyers!**

Another lender has entered the low-deposit mortgage market - and this time, eligible first-time buyers could potentially purchase with a deposit starting from just 2%.

Leeds Building Society's new option has some important differences from the recently announced Halifax £5,000 deposit mortgage, including:

🔑 A deposit from 2% or £5,000, whichever is greater
🎁 Gifted deposits can be accepted, subject to criteria
🏡 Maximum loan of up to £500,000 (vs £300,000 with Halifax)
📍 Available throughout the whole of the UK, including Northern Ireland

But, as Laura explains in the video, the headline doesn't tell you the whole story.

Every lender has different affordability, residency and eligibility criteria - so a mortgage that looks ideal on paper won't necessarily be the right option for your circumstances.

▶️ **Watch Laura's latest mortgage update to understand what you need to know.**

If saving a large deposit has been holding you back from buying your first home, it may be worth finding out what options could be available to you.

Could a Small Deposit of Just 2% Help You Buy Your First Home Sooner?

Click the button or link below to learn more and discover what may be possible for you.

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Mortgage products and lender criteria can change. Eligibility is subject to individual circumstances, affordability and lender criteria.

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

13/08/2026

Could you prove your rental history? 🏡

For some Track Record mortgage options, lenders may want to see evidence that you’ve been paying your rent consistently.

That could include things like bank statements showing your rent payments, or in some cases confirmation from a registered letting agent.

But rental history is only one part of the picture.

Your income, affordability, credit position and wider circumstances will still matter too, so it’s worth understanding everything before you get too excited about the headline.

If you’re renting and wondering whether your payment history could help support a mortgage application, this may be worth exploring.

We can help you understand what may be realistic for you before you apply.

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

10/08/2026

A deposit is important - but it’s only one part of the mortgage picture. 🏡

Lenders may also look at your income, affordability, credit position, monthly commitments and whether you can evidence things like your rent history.

That’s why a low-deposit or no-deposit mortgage can be really helpful for the right person, but it won’t automatically be the right route for everyone.

The important thing is understanding your full situation before you apply.

If you’re renting and wondering whether a Track Record mortgage or another low-deposit option could be worth exploring, we can help you understand what may be realistic for you.

No jargon. No pressure. Just clear guidance.

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

31/07/2026

There’s no better feeling than hearing such lovely feedback from our clients ❤️

Buying a home or arranging a mortgage can feel overwhelming, but our goal is always to make the process as smooth, straightforward and stress-free as possible.

A huge thank you to our amazing clients for taking the time to share their experience. Your kind words mean so much to us! 🏡❤️

30/07/2026

🏡❤️ This is exactly why we do what we do.

Helping people achieve something they've been working towards for so long is one of the best parts of what we do.

We're absolutely delighted to have helped this lovely couple secure their mortgage in just 10 days! 🔑🏡

After such a long and frustrating journey, it means so much to know that we were able to make the process feel easier, smoother and more positive for them.

Thank you both for putting your trust in Laura Lewis Financial and for taking the time to leave such a lovely review. Your words genuinely mean the world to us. ❤️

Another happy couple, another set of keys one step closer! 🥰🏡✨

BelfastMortgages BelfastMortgageBroker MortgageJourney HomeBuying FirstTimeBuyer FirstTimeBuyerNI HomeOwnership MortgageSuccess ClientReview HappyClients FiveStarReview PropertyNI NorthernIrelandProperty MortgageMadeEasy YourMortgageJourney

Address

The Kelvin, 17-25 College Square East
Belfast
BT16DH

Telephone

+447894559173

Website

http://www.lauralewisfinancial.com/

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