1st Rate Mortgages and loans, based on University Street, Belfast, Northern Ireland,  with a second  office in Wickford, Essex are here to assist you find the right mortgage or re-mortgage. Whether you are a new or 1st time buyer, have had a Repossession, Adverse Credit ratings. IVA or been Bankrupt, we may be able to help because we specialise in finding the right lender for your individual needs in difficult and awkward cases. Our whole of market status  offers us access to the majority of UK lenders and our aim is to meet mortgage and property finance needs. Our aim is simple

When we are clear about your mortgage requirements and personal situation we look at every mortgage option available to ensure you get the best one for your on-going needs.

Whether you have an imminent or previous repossession, county court judgments, mortgage or rent arrears, defaults, bankruptcy or IVA.

We are not mortgage lenders; we are whole of market mortgage brokers who specialise in helping clients find the right mortgage for clients with problems. Your advisor will be a listening, talking encyclopedia of mortgage lenders who deal sympathetically with clients just like you. You will deal with one advisor who will strive to solve your problem in a friendly and efficient manner.

We would be pleased to provide you with a personal illustration based on your circumstances. Your initial consultation is free and can be carried out in our office or by telephone, post and e-mail. Alternatively you can complete the downloadable application form and return it by post or fax and we can then prepare some figures for you before calling you back.

The Financial Services Authority does not regulate some forms of buy to lets, commercial loans and  secured loans