Hilti McCabe
25 Feb 2026A big shout out to all the team at Ballyhackamore. From start to finish their service was first class. Advice and follow up second to none. Very highly recommended.
The Mortgage Clinic | Broker & Advisor is an FCA-regulated mortgage broker based in Belfast, BT4 3JF, specialising in Buy-to-Let, First Time Buyers, Remortgages and 2 other areas. Rated 5/5 from 335 reviews.
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Meet our experienced team of mortgage professionals
Hilti McCabe
25 Feb 2026A big shout out to all the team at Ballyhackamore. From start to finish their service was first class. Advice and follow up second to none. Very highly recommended.
Victoria
20 Jan 2026Working with Helmut and the entire team at The Mortgage Clinic has been an absolute joy from start to finish. From the moment we first spoke back in May 2025, Helmut guided me with warmth, patience, and such genuine reassurance. He explained everything clearly, never rushed a single conversation, and always made me feel like I was in the safest, most capable hands. The whole journey felt smoother and kinder than I ever expected - almost magical, honestly. And thanks to his steady guidance and the team’s dedication behind the scenes, I had the keys to my new home just before Christmas 2025. It truly felt like the perfect ending to the year. I also need to give a very special mention to Niamh & Amy, who listened to me happily ramble on (more than once!) about all my plans for my cat, and how he would be living his full CEO lifestyle in the new house. Not everyone has the patience to understand feline real estate priorities, but they genuinely did and I appreciated it so much. I’m incredibly grateful for everything they’ve done for me. If you’re looking for a knowledgeable, caring, and truly supportive team who treat you like a real person and make the whole experience feel special, I couldn’t recommend Helmut and The Mortgage Clinic more highly.
Adetolu
18 Nov 2025I am so thankful that I chose The Mortgage Clinic, I think having such a wonderful team made our house purchase a success. Helmut and Amy (& other team members) are great guys, I would describe them as compassionate, empathetic and again, caring, they do have their clients at heart indeed. Thank you The Mortgage Clinic, I have no reservations about refering everyone I know you to you.
Julie Christie
16 Sept 2025Have just had the great pleasure of getting on the property ladder with the help of the mortgage clinic. James in the Ballyhackamore office has been more than helpful from start to finish. The mortgage clinic was recommended to me by a work colleague and I myself would highly recommend them to anyone wanting to take the first steps in buying a house. Can not thank them enough.
Andrew Kerr
22 Jul 2025I have had a great experience with The Mortgage Clinic. My advisor James has been excellent at explaining and working with me on the details of the process. I am a Home Mover but it had been over 10 years since I went through the process of buying a home. I would recommend anyone to go with the independent advice service provided by the Mortgage Clinic, this has made buying my next house a much better experience.
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Regulatory Status
Direct Authorisation
FCA Number
784955Practical 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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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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