The Mortgage Point

13/10/2026

Buying a home can be stressful enough without having to worry about the mortgage side of things.

That's where we come in.

Thanks to Gavin for the lovely review. Always good to know we've made the process that bit easier.

Buying, moving or remortgaging? Give us a shout, we'd be happy to help.

📅 Book a chat through the link in our bio.

08/10/2026

Nobody wants to spend their time chasing mortgage updates, trying to understand jargon or wondering what happens next.

That's where we come in.

You'll deal directly with your adviser, get straight answers and know where things stand throughout the process.

It's how mortgage advice should be.

📩 Need a hand with your mortgage? Drop us a message or book a chat through the link in our bio.

06/10/2026

Mortgages and protection don’t need to feel complicated.

Whether you’re buying your first home, moving, remortgaging or reviewing your protection, we’re here to give you clear advice and guide you through every step.

Clear advice. Regular updates. No unnecessary jargon.

📍 Newry | Helping clients across Northern Ireland

📩 Get in touch or book a chat through the link in our bio.

05/05/2026

The most common question I get asked as a mortgage adviser?

"Can I actually afford to buy?"

More often than not, the answer is yes. And usually sooner than people think.

One conversation is all it takes to find out.

📩 DM us or drop us a message — we're here to help.

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The Mortgage Point is a trading name of David O'Connor, appointed representative of Sesame Ltd, authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage. General information only. Speak to a qualified adviser for advice based on your own circumstances.

19/01/2026

🏡 Thinking of viewing this new listing from The Property Point?

Before you book the viewing, make sure your finances are move-ready 💼

At Mortgage Point, we offer a FREE First-Time Buyer Report to take the guesswork out of your home search.

Our report confirms your affordability and gives you a clear breakdown of:

💰 Upfront Costs
Deposits, fees, and stamp duty

📅 Ongoing Costs
Estimated monthly repayments and protection options

🤝 Negotiating Power
A formal Agreement in Principle to strengthen your offer

Having these figures in hand gives you the confidence to act fast when the right home comes along 🚀

📩 Ready to see the numbers?
Message us directly or comment “REPORT” below, and our team will get started on your personalised breakdown.

This 3 Bed Semi-Detached House Sale Is Located At 47 Carneyhough Court, Crieve Road, Newry. Find Out More Inside.

21/05/2025

Coming out of your mortgage deal in 2025?
You can lock in your next deal up to 6 months early — and avoid last-minute stress. 🔒

📉 Get that locked-in feeling now.
📩 DM me “2025” for a free remortgage review — no pressure, just good advice.

09/01/2025

🎉 New Year, New Home! 🎉

2025 is your year to make homeownership a reality! 🏡 Whether you're looking for your first home or refinancing your current one, we’re here to guide you every step of the way.

✅ Get expert advice
✅ Find the best mortgage rates for you
✅ Start your journey towards the home of your dreams

Let’s kick off the year with a fresh start!

Click here for your FREE First-Time Buyer Report: https://themortgagepointni.co.uk/mortgages/first-time-buyer-report/?fbclid=IwZXh0bgNhZW0CMTEAAR2XRjX9t63_nQXIgXo-_QMl384l8gPoX7SEOCSaVi2-_ftUDweJ-Pd3-KA_aem_Vxn3TNeUwQ4QSJHQF5id-A

Or DM us today for personalized mortgage advice.

25/10/2024

🏆 Proud Sponsors of Warrenpoint Town FC U11 Jerseys! 🏆

We're thrilled to see Warrenpoint Town's 2014s team stepping onto the pitch in their brand-new jerseys, sponsored by The Mortgage Point! Huge congratulations to the team for giving the jerseys a winning start in their first match!🔵⚪️

We’re committed to supporting our local community and backing the next generation of talent. Best of luck to the team for a strong season ahead! ⚽️

Ahead of their NI Youth Cup fixture, our 2014s were presented with their new jerseys!🤩

Presenting the jerseys to the boys were their sponsors,

David O'Connor from The Mortgage Point.
Jason Rafferty from APS
Niall Matthews from CM Legal Costs.

Massive thanks to all at The Mortgage Point, APS and CM Legal Costs for their kind generosity for the team, who went on to win the jersey it's first game!🔵⚪️

If you or your business is interested in becoming a team sponsor, get in touch for more information.

22/10/2024

🌟 Feeling Lost in the Mortgage Maze? 🌟

Navigating the world of mortgages can be overwhelming especially with so many misconceptions clouding your path.

Let’s set the record straight:

1️⃣ Myth: You need a large deposit to qualify for a mortgage. 💷💷

Truth: Many lenders offer options with low deposits, making homeownership more accessible!

2️⃣ Myth: All lenders offer the same mortgage rates. 📊

Truth: Rates vary significantly and we can shop around to find the most suitable deal for you!

3️⃣ Myth: Self-employed individuals can't secure a mortgage. 👩‍💼👨‍💼

Truth: There are tailored solutions available for self-employed borrowers and we know how to navigate them!

If you're unsure about any part of the mortgage process, don’t worry—we're here to help! 🤝 Contact us for personalised guidance and support every step of the way. 📞✨

17/10/2024

🏡 Mortgage Jargon Buster 🛠️ – Simplifying the Terms!

When it comes to mortgages, it’s easy to get lost in the jargon. Here are some key terms explained in plain English, so you can feel more confident about your mortgage options:

Loan-to-Value (LTV)
This is the percentage of the property’s value that you’re borrowing. For example, if your property is worth £200,000 and your mortgage is £150,000, your LTV is 75%. A lower LTV often means better mortgage rates.

Fixed-Rate Mortgage
With this type of mortgage, your interest rate stays the same for a set period (usually 2, 5, or 10 years), meaning your monthly payments remain consistent.

Standard Variable Rate (SVR)
This is your lender’s basic interest rate, which can go up or down depending on the wider economy. It often applies once your fixed or introductory rate ends.

Remortgaging
This means switching your current mortgage deal, either with your existing lender or a new one, often to get a better rate or borrow more.

Capital Repayment Mortgage
Each monthly payment you make goes towards repaying both the loan (capital) and the interest. By the end of the term, you’ll have fully repaid the mortgage.

Interest-Only Mortgage
You only pay the interest on the loan each month, so the original loan amount (capital) stays the same until the end of the mortgage term, when you’ll need to repay it in full.

💡 Still confused? Drop us a message or give us a call, and we’ll happily explain anything further!

🔔 Your home may be repossessed if you do not keep up repayments on your mortgage.