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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Crawford Mulholland

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Crawford Mulholland Financial are an expert team of mortgage and insurance advisors. We focus on mortgages, protection and general insurance.

Your property may be repossessed if you do not keep up repayments on your mortgage. Crawford Mulholland Financial are a team of independent mortgage and insurance advisors.

05/11/2026

𝗕𝗮𝘀𝗲 𝗿𝗮𝘁𝗲 𝗿𝗶𝘀𝗲𝘀 𝘁𝗼 𝟰%📈

The Bank of England has increased the base rate from 3.75% to 4% - the first rise in more than three years.

If you’re on a tracker or variable mortgage, you may see your monthly payments increase. If you’re on a fixed rate, nothing changes immediately, but it’s worth knowing what this could mean when your current deal comes to an end.

Mortgage rates don’t always move directly in line with the base rate, so if you’re due to remortgage, buying a home or simply wondering where you stand, speak to us before making any decisions:

www.crawfordmulholland.com/book

02/11/2026

Coffee runs, takeaways, gambling, payday loans… where do they land? Sam ranks them from S tier right down to the ones he'd avoid 😬

30/10/2026

It’s Halloween weekend, and there’s one person you really don’t want to scare… your mortgage broker 👻

A new credit application, missed payment or sudden change in circumstances can all cause a bit of a fright during the mortgage process.

The best thing you can do? Keep your broker in the loop, and save the scares for Halloween.

If anything changes while your application is ongoing, tell us early and we can help you understand what it means and what to do next.

Book your free first consultation at crawfordmulholland.com

28/10/2026

Budget 2026: what does it mean for your mortgage or property plans? 🏡

Today’s Budget included a few announcements worth knowing if you’re buying, saving for your first home or investing in property.

𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗜𝗦𝗔 𝗰𝗵𝗮𝗻𝗴𝗲𝘀
From 29 October, first-time buyers purchasing a property above the £450,000 LISA limit will face a reduced 20% withdrawal charge, down from 25%.

𝗔 𝗻𝗲𝘄 𝗙𝗶𝗿𝘀𝘁 𝗧𝗶𝗺𝗲 𝗕𝘂𝘆𝗲𝗿 𝗜𝗦𝗔 𝗶𝘀 𝗰𝗼𝗺𝗶𝗻𝗴
From April 2029, a new ISA is planned for first-time buyers, offering a 25% government bonus towards a first home worth up to £450,000.

𝗔 𝗰𝗵𝗮𝗻𝗴𝗲 𝗳𝗼𝗿 𝗹𝗮𝗻𝗱𝗹𝗼𝗿𝗱𝘀
From April 2027, the income tax rates applied to property income will increase by 2 percentage points — including here in Northern Ireland.

𝗪𝗵𝗮𝘁 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀?
There was no direct change to mortgage rates in today’s Budget. Rates will continue to be influenced by inflation, the Bank of England and wider financial markets.

As always, the headline announcements are only part of the picture. If you’re planning to buy, remortgage or invest, it’s worth looking at what the changes mean for your own circumstances.

Speak to a member of our team to talk through your options:
www.crawfordmulholland.com/book

26/10/2026

Wondering how much you could actually borrow for a mortgage?

It’s not as simple as multiplying your salary by a set number. Lenders look at your overall financial picture, and their criteria can vary from one lender to another.

Thinking about buying or moving home? Speak to our team for a clearer idea of what your options could look like:
www.crawfordmulholland.com/book

23/10/2026

Buying your first home isn't always straightforward, and sometimes a few hurdles pop up along the way 🏡

We're delighted that William was able to help Dallan and his partner navigate the process and get the keys to their first home. A big thank you to Dallan for taking the time to leave such a lovely review.

If you've had a positive experience with our team, we'd love to hear about it! Your feedback helps us continue improving and providing the best possible service to our clients:

www.crawfordmulholland.com/book

21/10/2026

How much difference does your deposit actually make to your monthly mortgage payments? 🏡

Using a 3-bed mid-terrace house as an example, Abbie breaks down what your monthly repayments could look like with different deposit amounts, along with some of the additional costs to consider when buying.

Thinking about buying a home? Book an appointment with our team and we'll help you explore your mortgage options and work out what you could comfortably afford:

www.crawfordmulholland.com/book

19/10/2026

Found a house you love? Before you get too carried away, make sure the location ticks all the boxes ✅

There's more to choosing where to live than the house itself. From your daily commute and monthly outgoings to future resale potential, there are a few things worth thinking about before making an offer.

We've put together 5 things to consider when choosing a location.

Thinking about buying a home? Book an appointment with our team and we'll help you understand your mortgage options and what you can comfortably afford:

www.crawfordmulholland.com/book

16/10/2026

Should you speak to a mortgage broker before viewing houses? 🏡

Yes, speaking to a broker early can help you understand:

✅ How much you may be able to borrow
✅ What your monthly repayments could look like
✅ How much deposit you may need
✅ Which lenders could suit your circumstances
✅ Whether you’re ready to get an Agreement in Principle

It means you can start house hunting with a clearer budget - and not get your heart set on something that doesn't fit in it.

At Crawford Mulholland, we have access to 60+ mortgage lenders and your first consultation is free. Book online today:
crawfordmulholland.com

14/10/2026

Keeping the office morale high 🤌

Address

348 Lisburn Road
Belfast
BT96GH

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

http://www.crawfordmulholland.com/

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