Friendly Financial

Friendly Financial Friendly Financial Mortgages, Life Insurance, Critical Illness Insurance, Buildings and Contents Ins The exact amount will depend on your circumstances.

At Friendly Financial our practice is to help clients get the most suitable mortgage deal for their needs finding the right mortgage can be tricky. Our aim is to make the process as painless as possible for you! We offer a range of products from a comprehensive panel of lenders, which helps us to find the most suitable deal for your circumstances.. As experts in mortgage advice, we offer a complet

e, friendly service to a broad spectrum of clients. We work with you to understand your circumstances in order to find the right solution for you. We provide the following services:
- Mortgages
- First time buyer mortgages
- Remortgaging
- Buy-to-let
- Life insurance
- Critical illness insurance
- Income protection
- Building insurance
- Contents insurance

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Financial Conduct Authority does not regulate most Buy to Let Mortgages. Friendly Financial Ltd may charge a broker fee, should a fee be charged this will typically be £199, with £100 payable on application of mortgage and £99 on mortgage offer. Data protection statement: You voluntarily choose to provide personal details to us via this page. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

17/04/2026

📉 Not all the news is doom and gloom…

While headlines might have you thinking rates are only going one way, the reality is a little more encouraging 👇

✨ FOUR mainstream lenders have reduced their interest rates recently.

That means there could be better opportunities out there for buyers, movers, and even those looking to remortgage.

The key takeaway?
Don’t rely on headlines alone — the mortgage market is constantly changing, and there may be deals available that the news isn’t shouting about.
If you’re wondering what this means for you, now’s a great time to explore your options.
📩 Drop us a message or get in touch — we’ll help you make sense of it all.

📈 Even More Opportunity for First-Time Buyers! 🏡✨Co-Ownership has just increased its property valuation limit from £210,...
03/04/2026

📈 Even More Opportunity for First-Time Buyers! 🏡✨

Co-Ownership has just increased its property valuation limit from £210,000 to £215,000 — giving you even more room to find the perfect home! 🙌

Here’s why that extra £5,000 matters:
🔑 Wider Property Choice – Access homes that may have previously been just out of reach
🏡 Better Quality Options – More flexibility to secure a home that truly suits your needs
💡 Stay Competitive – Keep up with rising property prices while still benefiting from Co-Ownership
📊 Small Change, Big Impact – That increase could be the difference in securing your ideal home

If you’ve been thinking about Co-Ownership, now could be the perfect time to explore your options 👀
📩 Get in touch today to see how far your budget can go!

18/03/2026

Don’t wait until your current mortgage deal ends… ⏳🏡

Many homeowners assume they need to wait until their deal expires before securing a new one — but that could mean missing out on better rates available right now. 📉
By reviewing your options early, you could:

✔️ Lock in a lower interest rate
✔️ Avoid last-minute pressure
✔️ Potentially save money over the long term

The mortgage market is always changing, and acting sooner rather than later can put you in a stronger position. 💡
Thinking about your next deal? Start the conversation early and stay one step ahead.

05/03/2026

🌍 Mortgage rates are on the move… and global events are playing a part.

Recent developments in the Middle East are causing uncertainty in financial markets, and as a result some lenders have started increasing their mortgage rates.

If you’re planning to buy, remortgage, or your deal is ending soon, now is the time to speak to a broker.

🔎 Why use a mortgage broker?
When you go directly to your bank, you’ll only see their mortgage products.

A broker, however, can access a wide range of lenders and deals across the market, helping you find the option that best fits your circumstances — and potentially saving you money.

📉 With rates changing quickly, having someone who can scan the market and secure a deal for you can make a big difference.

💬 Thinking about your next move?

Get in touch with our team today for expert guidance and access to a broader range of mortgage options.

03/03/2026

🏡✨ Have You Had Your Property Valued Recently? ✨🏡

If you bought your home in the last couple of years, there’s a good chance it’s worth more than you think 👀

Property values have shifted, and that could mean one exciting thing for you… EQUITY.

💰 So what can equity do for you?
✔️ Help you purchase an investment property
✔️ Fund home improvements or renovations
✔️ Consolidate debts
✔️ Assist with buying a new car
✔️ Support lifestyle goals or future plans

Your home isn’t just where you live — it could be a powerful financial tool working in your favour.

A simple valuation could open doors you didn’t even realise were there 🚪

If you’re curious about how much equity you might have, let’s have a chat. We’ll walk you through your options and help you make a plan that suits your goals.

Buying a home is one of the biggest milestones in life 🏡✨But while you’re focusing on securing your mortgage, there’s on...
18/02/2026

Buying a home is one of the biggest milestones in life 🏡✨

But while you’re focusing on securing your mortgage, there’s one crucial step you shouldn’t overlook — protecting it.

When you take out a mortgage, you’re committing to years of repayments. Life insurance helps make sure that if the unexpected happens, your loved ones won’t be left worrying about how to keep the roof over their heads.

💛 Why arrange life insurance when applying for your mortgage?

✔️ It can help pay off your mortgage if you pass away
✔️ It protects your family’s home and financial stability
✔️ It offers peace of mind from day one
✔️ It’s often more affordable than you think

Your home should always be a place of security — not stress.

If you’re applying for a mortgage or moving home, let’s talk about putting the right protection in place at the same time.

📩 Message us today to discuss your options.
📞 Local, friendly advice you can trust.

🔑 Your Sale Agreed — What Happens Next?Congrats! Once you’re sale agreed, here’s how the mortgage process typically work...
05/02/2026

🔑 Your Sale Agreed — What Happens Next?

Congrats! Once you’re sale agreed, here’s how the mortgage process typically works:

1️⃣ Full Application Submitted
Your broker (that’s us!) packages your application and sends it to the lender.

2️⃣ Income & Affordability Assessed
The bank will analyse your income and bank statements to make sure the mortgage is affordable based on your income and outgoings. Once they’re happy with this, the application will be approved subject to a satisfactory property valuation.

3️⃣ Valuation of the Property
The bank arranges a valuation to confirm the property is worth the purchase price.

4️⃣ Formal Mortgage Offer
Once approved, you’ll receive your official mortgage offer — a big milestone!

5️⃣ Contracts Issued
Your solicitor handles the legal side and prepares contracts for signing.

6️⃣ Completion Day
Funds are released, keys are handed over, and you’re officially a homeowner 🏡

If you’re sale agreed and feeling overwhelmed, we’ve got you every step of the way.

20/01/2026

🚫 MYTH BUSTED: You DON’T need a 20% deposit to buy a home!
One of the biggest reasons people put off buying is thinking they need a huge deposit — but that’s simply not true 👇

🏡 The reality in Northern Ireland
✔ Many buyers purchase with as little as 5–10% deposit
✔ A 20% deposit is NOT a requirement
✔ There are lender options designed specifically for first-time buyers

📊 So what’s the average deposit?
In Northern Ireland, most buyers put down around 10% of the purchase price — and often less for first-time buyers, depending on circumstances and lender criteria.

💡 The right mortgage isn’t about having the biggest deposit — it’s about having the right advice.

16/01/2026

🏡 What is a Buy-to-Let Mortgage?

Thinking about investing in property in the UK? A buy-to-let mortgage is designed for people who want to buy a property to rent out, rather than live in themselves.

🔑 How it works:
✔️ You rent the property to tenants
✔️ The rent helps cover the mortgage
✔️ You aim for long-term income and potential growth

📌 Key things to know:
• Usually requires a larger deposit (often 25%)
• Interest rates are typically higher than residential mortgages
• Lenders focus on expected rental income, not just your salary

👋 First-time investor?
You don’t need to have all the answers. With the right advice, buy-to-let can be a smart way to build wealth over time.

📍 At Friendly Financial, we help you understand:
➡️ What lenders look for
➡️ Your borrowing options
➡️ Whether buy-to-let is right for you

07/01/2026

🏡 New Year, New Home? January is the Perfect Time to Move! ✨

Thinking about buying your first home or making your next move in 2026? January could be your smartest month yet 👇

✔️ Fresh start – New year, new goals, new keys
✔️ Less competition – Fewer buyers means more negotiating power
✔️ Motivated sellers – Many want to sell early in the year
✔️ Time to plan – Get mortgage-ready before the spring rush
✔️ Expert advice on hand – Start early, avoid last-minute stress

Whether you’re stepping onto the property ladder for the first time or moving up to your next home, having the right mortgage advice from the start can make all the difference.

Address

Unit 36, Templemore Business Park
Derry
BT480LD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+442871371706

Website

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