Michelle Toal - Mortgage Direct NI

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Michelle Toal - Mortgage Direct NI

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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.

30/10/2026

🏡 REFER A FRIEND & GET REWARDED!

Know someone thinking about buying a home or remortgaging? Recommend Mortgage Direct NI and you could receive a £100 voucher as a thank you!

Even better, there's no limit to how many friends you can refer!

Simply scan the QR code to get started or get in touch to find out more.

📞 02838 894255 / 07917 334449

27/10/2026

⭐⭐⭐⭐⭐ Another happy customer!

Buying your first home can feel daunting, but we're here to make the journey as smooth and stress-free as possible.

A huge thank you to Michael for this fantastic review and for trusting Mortgage Direct NI to help secure his first home! 🏡

26/10/2026

🛋️ MORTGAGE APPROVED? HOLD OFF ON THAT NEW SOFA! 🏡

You've had your mortgage agreed, you're excited about moving into your new home, and you've already started planning the furniture! 😍

But before you rush out and put that new sofa, TV or bedroom furniture on finance... STOP! ✋

Taking out new credit before your mortgage completes could affect your affordability and potentially put your mortgage offer at risk.

Even if your mortgage has been approved, lenders may carry out further checks before releasing the funds.

💡 My advice? Get the keys first, then go shopping!

A little patience now could save you a lot of stress later.

🏡 Buying your first home or moving house? I'm here to help you navigate the mortgage process from application right through to completion.

📱 07917 334449
📧 [email protected]

21/10/2026

🏡 MORTGAGE JARGON MADE SIMPLE #15

What is “Conveyancing”? 🤔

It's one of those words you'll hear quite a lot when buying a house, but what does it actually mean? Simply put, conveyancing is the legal process of transferring ownership of a property from the seller to the buyer.

And that's where your solicitor comes in! Your solicitor takes care of several important steps, including:

🔹 Property searches – Checking for any legal or other issues that could affect the property.

🔹 Reviewing contracts – Making sure the legal paperwork is correct before you commit to the purchase.

🔹 Liaising with your lender – Ensuring the necessary mortgage arrangements are in place.

🔹 Transferring funds – Handling the money required to complete the purchase.

🔹 Finalising ownership – Completing the legal transfer and dealing with the necessary registration.

💙 Why is conveyancing so important?

Buying a home is probably one of the biggest financial commitments you'll ever make. Having a solicitor carry out the necessary legal checks helps protect your interests and ensures the purchase is completed correctly.

🏠 Thinking about buying your first home or moving house?

At Mortgage Direct NI, we're here to guide you through the mortgage side of the journey, explain the jargon and help make the process feel a little less daunting.

📱 07917 334449
📧 [email protected]

19/10/2026

🏡 MORTGAGE MYTH MONDAY #15

💷 MYTH: Using a mortgage broker costs more than going directly to the bank!

It's a common assumption that cutting out the middleman and going straight to your bank will save you money.

✅ THE FACT: Not necessarily! A mortgage broker can help you explore deals from a range of lenders, rather than being limited to the products offered by one bank.

Here's why speaking to a mortgage adviser could be worthwhile:

🔹 More choice – Access to mortgage products from a range of lenders.
🔹 Expert advice – Guidance based on your individual financial circumstances.
🔹 Potential savings – The lowest interest rate isn't always the cheapest overall deal. Fees and other charges matter too!
🔹 Less hassle – Support with the application process, paperwork and communication with lenders.

Some brokers charge a fee, while others receive commission from lenders. At Mortgage Direct NI, we may charge a fee of up to £295, which will be explained upfront.

The important thing isn't simply where you get your mortgage. It's finding the right mortgage for YOU!

Thinking about buying your first home, moving house or remortgaging? Get in touch and let's explore your options.

📱 07917 334449
📧 [email protected]

14/10/2026

🏡 MORTGAGE JARGON MADE SIMPLE #14 🔑

What is “Completion”?

It's the day every homebuyer has been waiting for... KEY DAY! 🏡🎉
After weeks (or sometimes months!) of paperwork, phone calls, mortgage applications and waiting, completion is the moment it all comes together!

✅ Here's what happens on completion day:
🔹 Your solicitor transfers the remaining purchase funds to the seller's solicitor.
🔹 Once the funds have been received and completion is confirmed, the purchase is officially finalised.
🔹 You can finally collect the keys to your new home!
🔹 It's time to start making that house your home!

At Mortgage Direct NI, we know just how exciting this moment is. There's nothing better than helping our clients reach the finish line and begin their next chapter.

🏠 Thinking about buying your first home or making your next move?

Let us help you navigate the mortgage process, from your initial enquiry right through to getting those all-important keys!

📞 02838 894255
📧 [email protected]

12/10/2026

🏡 MORTGAGE MYTH MONDAY #14

❌ MYTH: You can only borrow four times your salary! Think your salary is limiting your chances of buying your dream home? Think again!

✅ THE FACT: There is no single borrowing limit that applies to everyone.

While four times your annual income is often used as a rough guide, some lenders may offer 4.5 times your income or potentially more, depending on your circumstances.

Lenders will consider several factors, including your income, monthly commitments, credit history and overall affordability.

💡 For example: If you earn £35,000 per year, borrowing four times your salary would give you £140,000. But at 4.5 times your salary, that could increase to £157,500!

That's an extra £17,500 towards your potential property purchase! Of course, borrowing more isn't always the right option, and any mortgage must be affordable.

📞 Wondering how much you could actually borrow? Don't rule yourself out based on a simple calculation. Get in touch and let's explore what's possible!

📱 02838 894255 / 07917334449
📧 [email protected]

11/10/2026

🏡 ARE YOU FOLLOWING US? 💙

Buying your first home? Thinking about moving? Or perhaps your current mortgage deal is coming to an end?

Whatever stage you're at, we're here to help make mortgages a little less complicated!

Follow Mortgage Direct NI on Facebook, Instagram and TikTok for:

🏠 Helpful mortgage tips and advice
💷 Guidance for first-time buyers
❌ Common mortgage myths busted
📖 Mortgage jargon explained in plain English
💡 Useful information to help you make informed decisions

With almost 20 years of experience, I am here to help you understand your options without all the confusing jargon!

📱 Give us a follow, share our page with friends and family, and tag someone who might find our advice useful!

09/10/2026

⭐️⭐️⭐️⭐️⭐️ ANOTHER HAPPY CUSTOMER! 🏡💙

There's nothing better than receiving feedback like this!

It's not just about finding a mortgage, it's about making sure our customers have the right advice, support and options for their individual circumstances.

A huge thank you for the lovely review and for continuing to put your trust in Mortgage Direct NI. 💙

💬 Thinking about reviewing your mortgage? Get in touch and let's see what options could be available to you!

📱 07917 334449
📧 [email protected]

Address

23 Old Lurgan Road
Portadown
BT635SG

Telephone

+447917334449

Website

http://www.mortgagedirectni.com/

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