Paul Mason
8 Oct 2024We've used Russell for all of our mortgages. Russ has been just excellent in offering the best advise and products for ourselves. Highly recommended.
NI Money is an FCA-regulated mortgage broker based in Belfast, BT9 6AG, specialising in Buy-to-Let, Residential. Rated 5/5 from 5 reviews.
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Paul Mason
8 Oct 2024We've used Russell for all of our mortgages. Russ has been just excellent in offering the best advise and products for ourselves. Highly recommended.
David Stronge
24 Nov 2023NI money are extremely helpful. And there's never any pressure! Highly recommend
Patrick Cash
13 Dec 2021I’m a little late leaving this review. I contacted NImoney early 2021 and spoke to Russell regarding some complex pension and investment issues. From the first contact, Russells professionalism , knowledge and reassurance set my mind at ease. Always available to answer my questions and keep me updated with progress throughout the entire process. Russell was also able to secure a mortgage deal for me helping me to buy a house for which I will always be grateful. If you require a financial advisor with integrity and professionalism then look no further than Russell Hathaway and NI Money. Thanks again Russell, I’m looking forward to working with you in the future.
Andrew McCammon
28 Dec 2017I recently used NImoney to arrange my mortgage and make an investment. I found Russell very approachable and he helped me every step through the process. He is very communicative and easy to get hold of. He also takes into account your personal situation and past experiences.
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Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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