Michelle Toal - Mortgage Direct NI

Michelle Toal - Mortgage Direct NI Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Michelle Toal - Mortgage Direct NI, Insurance broker, 23 Old Lurgan Road, Portadown.
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Mortgage & Protection Specialist helping individuals and families across Northern Ireland make informed financial decisions.

🏡 Mortgages ❤️ Life & Critical Illness Cover 💼 Income Protection 👨‍👩‍👧‍👦 Family Protection 🏠 Home Insurance Our advice will be specifically tailored to your needs and circumstances which could be for your first home, moving home, investing in property or remortgaging.

06/09/2026

🏡 Google can give you information. Comparison sites can show you rates. But neither knows you.

Your income, circumstances, plans and priorities all matter when looking at your mortgage options.

That’s where personalised advice comes in.

I’ve spent almost 20 years helping people navigate one of the biggest financial decisions they’ll make and every recommendation is tailored to the person sitting in front of me.

Your mortgage shouldn’t be one-size-fits-all.

📩 Get in touch and let’s talk about your options.

03/09/2026

🏡 Thinking of moving home?

Don’t automatically assume you need to leave your current mortgage behind.

Depending on your lender and circumstances, you may be able to port your existing mortgage to your new property — potentially avoiding early repayment charges in the process.

It’s one of the first things I check when helping clients who are thinking about moving.

💬 Comment MOVE if a house move could be on the cards and you’d like more information.

🏡 Mortgage Jargon Made Simple #8 — MORTGAGE TERM20 years? 25? 30? Even longer? 🤔Your mortgage term is simply the length...
02/09/2026

🏡 Mortgage Jargon Made Simple #8 — MORTGAGE TERM

20 years? 25? 30? Even longer? 🤔

Your mortgage term is simply the length of time you agree to repay your mortgage.

A longer term can help reduce your monthly repayments, but it can also mean paying more interest over the lifetime of the mortgage.

So it’s about finding the right balance between what’s affordable each month and the overall cost of borrowing.

📩 Not sure what mortgage term could work for you? Get in touch and we can talk through your options.

🏡 Mortgage Myth Monday #008“First-time buyers have no chance in today’s market.” ❌It might sometimes feel that way, but...
31/08/2026

🏡 Mortgage Myth Monday #008

“First-time buyers have no chance in today’s market.” ❌

It might sometimes feel that way, but don’t rule yourself out before you’ve explored your options.

There are mortgage products available for first-time buyers, including options that may be suitable for those with smaller deposits, depending on your individual circumstances.

Before you start scrolling through property listings, it can help to know:

🏠 How much you could potentially borrow
💷 What deposit you may need
📋 What lenders are likely to consider

Sometimes you may be closer to buying your first home than you think.

📩 Thinking about buying? Message me and let’s see where you stand.

30/08/2026

🏡 Think you need £30,000 or £40,000 saved before you can even think about buying your first home?

That assumption could be keeping you waiting much longer than necessary.

The deposit you’ll need depends on your circumstances, the property and the mortgage options available to you, so don’t rule yourself out based on a figure you’ve heard elsewhere.

After almost 20 years of helping people buy their homes, one thing I’ve learned is that asking the question early can make all the difference.

💬 Comment “DEPOSIT” if you’d like to know more, or send me a message for a chat about your options.

29/08/2026

Apparently this takes skill AND strategy…

Turns out I might be better at finding the right mortgage than finding the right shot. ⛳😂

I think I’ll stick to what I know! 🏡

For mortgage advice that involves considerably less guesswork, get in touch and let’s have a chat.

27/08/2026

Mortgages are a bit like pool… 🎱🏡

One wrong move could cost you.

Thankfully, I know a lot more about mortgages than I do about pool. 😂

If you’d rather have someone who knows which way to aim, get in touch and we can have a chat about your options.

💬 Mortgage Jargon Made Simple #7 — AFFORDABILITYHow much you earn is important, but it’s not the only thing lenders con...
26/08/2026

💬 Mortgage Jargon Made Simple #7 — AFFORDABILITY

How much you earn is important, but it’s not the only thing lenders consider.

Your income, regular outgoings, existing debts and other financial commitments can all play a part in working out how much you may be able to borrow. 🏡

Every lender can assess affordability differently too.

📩 Want to understand what you could potentially borrow? Get in touch and let’s have a chat.

25/08/2026

Mortgage advice from Lanzarote? ☀️🍹

Probably best not to take mortgage advice from someone drinking Cavasangria. 😂

I’ll be back to giving proper advice next week… promise! 🏡

🏡 Mortgage Myth Monday #007“I’ve been rejected for a mortgage once, so I won’t get one anywhere else.” ❌Not necessarily...
24/08/2026

🏡 Mortgage Myth Monday #007

“I’ve been rejected for a mortgage once, so I won’t get one anywhere else.” ❌

Not necessarily.

Different lenders have different criteria, so being declined by one doesn’t automatically mean you’ll be declined by them all.

The important thing is understanding why you were declined before making another application.

📩 Had a mortgage application declined? Get in touch and let’s look at your options.

Address

23 Old Lurgan Road
Portadown
BT635SG

Telephone

+447917334449

Website

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