Ryan McMillan
23 Aug 2025Very professional and smooth experience! Guided me through each step for first home and remortgage and made everything seem less daunting. Highly recommended.
The Mortgage Clinic | Ormeau Road | Belfast is an FCA-regulated mortgage broker based in Belfast, BT7 2GE, specialising in Buy-to-Let, First Time Buyers, Remortgages and 2 other areas. Rated 5/5 from 134 reviews.
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Meet our experienced team of mortgage professionals
Ryan McMillan
23 Aug 2025Very professional and smooth experience! Guided me through each step for first home and remortgage and made everything seem less daunting. Highly recommended.
Thomas Lough
2 Jun 2025As first time buyers we were nervous and unsure about how it all worked but Laura has been absolutely fantastic and has put us so at ease. Both her and Gavin and been so helpful and the communication has been fantastic. Can't say thank you enough, you've made our lives so much easier and knowing we can ask any silly question we have has been a big help! Would really recommend!
Darren Cheung
22 Feb 2025Helmut from the Mortgage Clinic was extremely helpful and made the process extremely easy. He was willing to be flexible to arrange meetings with us according to our schedule and provide clarity on a matter of issues. I would highly recommend to anyone going through a mortgage application.
Kathleen Mc
19 Feb 2025Ryan and Helmut were great help from start to finish, explaining all processes thoroughly to us as first time buyers. Total pain and stress free experience! They responded to emails promptly and appointments were easily accessible. We would recommend their services.
Luong Doanh
9 Dec 2024I've had the pleasure of working with The Mortgage Clinic twice now, and they consistently exceed expectations. Three years ago, Helmut helped me secure my first mortgage, and I recently completed another application with his team. Helmut and Ryan make an exceptional duo - while Helmut provides expert guidance on the Belfast property market and mortgage options, Ryan ensures all paperwork runs smoothly and keeps communication flowing. Their combined expertise, professionalism, and genuine care for clients make the mortgage process seamless. Whether you're a first-time buyer or getting another mortgage, Helmut and his team are the go-to experts in Belfast. Their service remains outstanding, and I highly recommend them!
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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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