Lois Kitchen - Mortgage and Protection Broker

Lois Kitchen - Mortgage and Protection Broker 🏡Motherhood & Mortgages
📍RM Financial, Belfast
📩 Promising a swift, fun and stressfree mortgage process
🍼 Individual and family protection

I'm Lois 🥰 I have been a Mortgage and Protection Broker for 3 years! I have now taken the decision to venture into the big bad work for being a self-employed broker with the support of Milecross Financial Services to ensure I can advise my clients in a way that suits them! I live in the seaside town (city) of Bangor 🌊 I love everything property and home decor related, and can spend hours creating

vision boards and doing projects around our home! 🏡

At home we have two very spoilt pugs, named Bella and Frank - they love the cosy relaxed side of life and are usually found snuggling on the sofa! 🐾

I love helping people, which is the factor behind me choosing this career path - I can't wait to start helping you all with your property and mortgage goals! ♥️

Nothing makes my day more than client feedback like this 🥰 If you’re ready to start your own mortgage journey, whether i...
08/09/2025

Nothing makes my day more than client feedback like this 🥰 If you’re ready to start your own mortgage journey, whether it’s your first home, a move, or a remortgage, I’d love to help!

📩 Message me today to arrange your mortgage appointment.

Fixed vs Variable - Which should you choose? 🤔There’s no one-size-fits-all when it comes to mortgages. It really depends...
09/07/2025

Fixed vs Variable - Which should you choose? 🤔

There’s no one-size-fits-all when it comes to mortgages. It really depends on your lifestyle, goals, and how comfortable you are with rate changes.

📍 I work with clients across Northern Ireland and beyond to help them make confident decisions, without the jargon.

💬 DM “MORTGAGE HELP” if you want to chat options with a friendly, qualified expert (that’s me!).

Buying a home in 2025? Here’s what’s in (and what to leave behind 👋)From getting pre-approved to asking all the question...
16/06/2025

Buying a home in 2025? Here’s what’s in (and what to leave behind 👋)

From getting pre-approved to asking all the questions — these are the smart moves every buyer should be making this year. Ready to make confident choices on your mortgage journey?

📝 Save this for later & share with someone who’s house-hunting!
💬 Got questions? Drop them in the comments or DM me — I’m here to help.

Mortgages don’t have to be scary when you’ve got someone in your corner who actually loves the paperwork 🤓✨Big thanks fo...
02/06/2025

Mortgages don’t have to be scary when you’ve got someone in your corner who actually loves the paperwork 🤓✨
Big thanks for the lovely words—helping amazing clients like you is the best part of the job! 💛

🌱 Thinking of buying an energy-efficient home? A Green Mortgage could reward you with better rates for going eco-friendl...
29/05/2025

🌱 Thinking of buying an energy-efficient home? A Green Mortgage could reward you with better rates for going eco-friendly! 💡🌍

📩 DM me to find out if you qualify and let’s make your home greener and save you money! 💚

Another happy client! Ready for the same 5-star service? Get in touch today! 📩✨
18/03/2025

Another happy client! Ready for the same 5-star service? Get in touch today! 📩✨

Started a new job and wondering if you can still get a mortgage? The answer is YES! ✅As long as you have a signed employ...
26/02/2025

Started a new job and wondering if you can still get a mortgage? The answer is YES! ✅

As long as you have a signed employment contract dated within the next 3 months, showing your start date, contract type, and salary, lenders can use your pending income for affordability.

Only have one payslip? No problem! A lender will just need to see your contract to back it up.

💡 Keep in mind—lenders prefer little to no gaps in employment history. If there are any, they may ask for an explanation.

Got questions? Drop me a message! 📩

🏡💖 Love is in the air… 💖🏡This Valentine’s Day, let’s talk about the perfect match—you and your ideal mortgage! Whether y...
14/02/2025

🏡💖 Love is in the air… 💖🏡

This Valentine’s Day, let’s talk about the perfect match—you and your ideal mortgage! Whether you're buying your first home together, remortgaging for a better deal, or looking for a place to call your own, I’m here to make sure you fall in love with the right mortgage. 💕

Don’t settle for less than you deserve—let’s find a mortgage that fits you just right! 📞💌

🌟 Another Happy Client! 🌟I absolutely love getting positive feedback from my clients. Helping clients achieve their home...
22/01/2025

🌟 Another Happy Client! 🌟
I absolutely love getting positive feedback from my clients. Helping clients achieve their home goals and getting reviews like this is why I love what I do!

If you're thinking about buying your first home, remortgaging, or just want expert advice, I'd love to help make your journey just as smooth and stress-free.

📩 Send me a message or give me a call to get started today!

☀️ Rise and shine! For me there is nothing like that first sip of coffee in the morning to kickstart my day! ☕️ whether ...
22/01/2025

☀️ Rise and shine! For me there is nothing like that first sip of coffee in the morning to kickstart my day! ☕️ whether I’m working to deadlines or planning big moves with clients! 🏡

If you are thinking of moving to a new home, remortgaging or need some advice on what your mortgage goals are and how to achieve them - let’s have a chat and turn your morning coffee thoughts into a reality 🏡🪜

📩Drop me a DM to get started 💬

❌ 6 Red Flags for Mortgage Lenders ❌If you are interested in getting onto the property ladder or reviewing your mortgage...
14/01/2025

❌ 6 Red Flags for Mortgage Lenders ❌

If you are interested in getting onto the property ladder or reviewing your mortgage in 2025 make sure you have these things under control!

There are a few cases were you can get accepted for a mortgage by some lenders, however, if you speak with an independent mortgage advisor who has access to many lenders, we will be able to keep you in the know and increase your chances of a successful mortgage application.

Having any of these on your file will not necessarily mean it is a straight up decline, it may just mean that we need to be selective with mortgage lenders, in turn meaning that you may not get the best mortgage deal available.

If you have any concerns or want to know where you stand, please get in touch today and I can advise you on your next steps and how to get mortgage ready!

Reviews like these are the reason I love doing what I do! 💬✨
17/12/2024

Reviews like these are the reason I love doing what I do! 💬✨

Address

RM Financial, 370-374 Upper Newtownards Road
Belfast
BT43EY

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