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.

23/06/2026

A mortgage calculator can be a useful starting point.

But it can't tell the whole story.

It doesn't fully understand your lifestyle, your comfort level, your paperwork, your credit file, or the details a lender may need to assess.

So yes - use a mortgage calculator as a rough guide.

But don't treat it as your final answer.

Before you start house hunting based on an online figure, it can be helpful to understand your full position properly.

Because getting mortgage-ready is not just about what a calculator says.

It is about what is realistic, suitable, and affordable for your individual circumstances.

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Subject to criteria, affordability and credit checks.

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

12/06/2026

A deposit is important, but it is not the whole mortgage picture.

A lender will usually want to understand more than just how much you have saved.

They may also look at things like:

Your income

Your spending

Your debts

Your credit history

Where your deposit has come from

And whether your documents support the application properly

So before asking:

“Have I saved enough?”

It can be helpful to also ask:

“Do I understand the full picture?”

That’s where proper advice can really help.

Because getting mortgage-ready is not just about one number. It is about understanding your position properly before you apply.

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Subject to criteria, affordability and credit checks.

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

25/05/2026

First-time buyer worried about applying for a mortgage?

It’s completely understandable to feel nervous about being declined or damaging your chances.

But waiting, researching endlessly, or trying to work everything out alone can leave you stuck in limbo.

Understanding your position early can help you feel clearer about your next step.

_____
Subject to criteria, affordability, and credit checks.

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

Enjoying the bank holiday 🌞🏖
25/05/2026

Enjoying the bank holiday 🌞🏖

24/05/2026

First-time buyer? Before you apply, understand your credit position, lender fit, and timing.

____
Subject to criteria, affordability and credit checks.

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

23/05/2026

First-time buyer worried about getting declined?

Mortgage rejection does not usually happen randomly. It can happen when people apply too quickly, choose the wrong lender, or rely on guesswork.

Understanding your position before applying can help you feel clearer and more prepared.

____
Subject to criteria, affordability, and credit checks.

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

22/05/2026

Declined for a mortgage? Please don’t automatically assume that’s the end of the road.

Sometimes a “no” does mean no.

But sometimes it means the case has not been understood properly, the right questions have not been asked, or the information has not been presented clearly enough to the lender.

In this video, Laura shares a real example of a client who had been declined, but after the case was reviewed properly and the misunderstanding was identified, the application was represented to the same lender and approved.

Every case is different, and this does not mean every declined application can be overturned.

But if you’ve been declined and you don’t understand why, don’t guess your next move.

Get the case reviewed properly before deciding what to do next.

Everything starts with a quick 10-minute chat with one of the team. If we can help, that’s the first step towards a complimentary consultation with Laura, where your individual needs and circumstances can be looked at properly.

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Subject to criteria, affordability, and credit checks.

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

19/05/2026

First-time buyer worried that applying for a mortgage could hurt your chances if you get declined?

You’re not alone - this is one of the biggest fears many first-time buyers have.

The key is not to apply on guesswork.

It’s to understand your position before anything is submitted, so you can apply with the right lender, at the right time, and with the right preparation.

In this video, Laura explains how mortgage applications and credit checks work, and why getting advice before applying can help you feel calmer and more confident about your next step.

If you’d like the FIRST™ Buyer Framework, it walks you through the key things to think about before applying - including your finances, paperwork, credit position, savings, and mortgage timeline.

Comment "CREDIT" and we’ll send it over.

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Subject to criteria, affordability, and credit checks.

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

___

17/05/2026

𝐅𝐢𝐫𝐬𝐭-𝐭𝐢𝐦𝐞 𝐛𝐮𝐲𝐞𝐫 𝐬𝐭𝐫𝐮𝐠𝐠𝐥𝐢𝐧𝐠 𝐭𝐨 𝐬𝐚𝐯𝐞 𝐚 𝐛𝐢𝐠 𝐝𝐞𝐩𝐨𝐬𝐢𝐭?

There’s been some good news in the mortgage market, with a new £5,000 deposit mortgage option announced for eligible first-time buyers.

𝐍𝐨𝐭 𝟓%.

A £5,000 deposit.

This could be an important option for some buyers to understand - especially if you’re renting and feel like saving a larger deposit is keeping you stuck.

𝐁𝐮𝐭 𝐭𝐡𝐞𝐫𝐞 𝐚𝐫𝐞 𝐫𝐮𝐥𝐞𝐬, criteria, affordability checks, and credit checks involved, so it’s important not to rush into anything or assume it’s right for you.

𝐁𝐞𝐟𝐨𝐫𝐞 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠, 𝐠𝐞𝐭 𝐚𝐝𝐯𝐢𝐜𝐞 𝐚𝐧𝐝 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐲𝐨𝐮𝐫 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐫𝐞𝐯𝐢𝐞𝐰𝐞𝐝 𝐩𝐫𝐨𝐩𝐞𝐫𝐥𝐲.

Everything starts with a quick 10-minute chat.

Once we understand your position, you can also have a 𝐜𝐨𝐦𝐩𝐥𝐢𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐋𝐚𝐮𝐫𝐚 𝐭𝐨 𝐭𝐚𝐥𝐤 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐲𝐨𝐮𝐫 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐩𝐫𝐨𝐩𝐞𝐫𝐥𝐲.

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

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Subject to criteria, affordability, and credit checks.

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

24/04/2026

Over the last 20 years of working in mortgages, I’ve seen just how many people feel overwhelmed at the start of the process.

There’s so much information out there, and it can be hard to know what actually matters, what applies to you, and what to do first.

That’s why getting clear, tailored guidance early on can make such a difference.

If you’re not sure where to start, you’re not alone.

Click 'Learn More' to find out how we can support you.

Address

The Kelvin, 17-25 College Square East
Belfast
BT16DH

Telephone

+447894559173

Website

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