Laura Lewis Financial

Laura Lewis Financial 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 suppor

t. 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.

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! 🏡❤️

🏡❤️ This is exactly why we do what we do.Helping people achieve something they've been working towards for so long is on...
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

🏡❤️ This is exactly why we do what we do.Helping people achieve something they've been working towards for so long is on...
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! 🥰🏡✨

30/07/2026

𝐅𝐢𝐫𝐬𝐭-𝐭𝐢𝐦𝐞 𝐛𝐮𝐲𝐞𝐫 𝐰𝐡𝐨'𝐬 𝐩𝐚𝐲𝐢𝐧𝐠 𝐫𝐞𝐧𝐭 𝐞𝐯𝐞𝐫𝐲 𝐦𝐨𝐧𝐭𝐡 𝐛𝐮𝐭 𝐬𝐭𝐫𝐮𝐠𝐠𝐥𝐢𝐧𝐠 𝐭𝐨 𝐬𝐚𝐯𝐞 𝐚 𝐛𝐢𝐠 𝐝𝐞𝐩𝐨𝐬𝐢𝐭?

Your rental history could potentially help you take a step towards buying your first home.

Some mortgage options are designed for renters with a strong track record of making regular rent payments.

Depending on your circumstances, you may even be able to apply without the traditional 5% deposit.

You’ll still need to meet the lender’s affordability, credit and eligibility criteria, so it’s important not to rush into an application based on the headline alone.

At Laura Lewis Financial, we’ll look at your full situation and help you understand what may be realistic when exploring Track Record and other low-deposit mortgage options.

𝐂𝐥𝐢𝐜𝐤 𝐭𝐨 𝐋𝐞𝐚𝐫𝐧 𝐌𝐨𝐫𝐞, 𝐨𝐫 𝐜𝐥𝐢𝐜𝐤 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐛𝐞𝐥𝐨𝐰, 𝐚𝐧𝐝 𝐚𝐫𝐫𝐚𝐧𝐠𝐞 𝐚 𝐪𝐮𝐢𝐜𝐤 𝟏𝟎-𝐦𝐢𝐧𝐮𝐭𝐞, 𝐧𝐨-𝐨𝐛𝐥𝐢𝐠𝐚𝐭𝐢𝐨𝐧 𝐜𝐡𝐚𝐭.

🔑 https://help.lauralewisfinancial.com/first-time-buyer

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

29/07/2026

First-time buyer worried about being declined for a mortgage?

Or perhaps you’ve already applied and received a decline.

A decline doesn’t necessarily mean there’s no way forward.

Sometimes my job is a bit like detective work. We’ll look carefully at what happened, how the application was presented and whether something may have been misunderstood.

In some cases, once the issue has been identified and the application has been presented properly, we’ve been able to help clients move forward - even with the same lender that originally declined them.

That won’t be possible in every situation, but it’s why mortgage advice isn’t just about finding the cheapest rate. It’s about understanding your full circumstances and exploring the right route for you.

So, whether you’re worried about applying or you’ve already been declined, watch this before assuming there’s no way forward.

Click to arrange a quick 10-minute, no-obligation chat: https://help.lauralewisfinancial.com/first-time-buyer

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

09/07/2026

Days like today remind me why I love what I do. 💐

One of my wonderful mortgage and insurance clients surprised me with this beautiful bouquet of flowers as a thank you, and I honestly couldn't be more grateful.

Helping people through one of the biggest financial decisions of their lives is something I never take for granted. Knowing that I've made a positive difference means more than any gift ever could.

Thank you so much for your kindness and for trusting Laura Lewis Financial with your mortgage and protection journey. It was an absolute pleasure helping you, and I wish you many happy years in your new home. 🏡❤️

Address

The Kelvin, 17-25 College Square East
Belfast
BT16DH

Telephone

+447894559173

Website

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