Specialist Mortgage Advice Belfast
Last Updated: 8th October 2025
Not everyone fits the typical mortgage mould. Whether you’re self-employed, have a complex income, past credit issues, or have been turned down elsewhere, you still deserve the right support — and that’s where specialist mortgage advice can help you access the right mortgage options.
That’s where specialist mortgage advice from AIMS NI can make all the difference.
As Northern Ireland’s leading independent, whole-of-market mortgage brokerage, AIMS NI has been helping clients secure mortgages for over 20 years.
Our friendly, professional advisors are here to find flexible, affordable solutions — even when other lenders say no.
What Is Specialist Mortgage Advice?
Specialist mortgage advice is designed for people whose circumstances fall outside the standard lending criteria used by high street banks. It involves working with lenders who understand unique financial situations — and tailoring a mortgage solution that truly fits your needs.
You might need specialist advice if:
- You’re self-employed or a contractor with irregular income
- You have adverse credit history, CCJs, defaults, or missed payments
- You’re buying a non-standard property (e.g., flat above a shop, listed building, or self build)
- You’ve been declined by a high street lender
- You have multiple income streams or receive income from bonuses or dividends
At AIMS NI, we’ll take the time to understand your situation and find the lender who’s willing to help.
Who Needs Specialist Mortgage Advice?
AIMS NI helps a wide range of clients across Northern Ireland secure the right mortgage — even in challenging circumstances.
Self-Employed & Contractors
If you don’t have traditional payslips, it can be hard to prove your income to some lenders. We work with those who specialise in self-employed mortgages, using accounts, SA302s, or contracts to show your true earning potential.
Adverse Credit History
Struggled with missed payments or defaults? Our bad credit mortgage specialists can access lenders who assess your current situation, not just your past, helping you get back on track.
Low Deposit Buyers
If you have a smaller deposit, we’ll explore high loan-to-value (LTV) mortgage options and government-backed schemes where available.
Unusual or Complex Properties
From barn conversions to flats above shops or timber-framed homes — we’ll find lenders who understand non-standard construction.
Portfolio Landlords & Company Directors
We help professional landlords and limited company owners secure buy to let or complex income mortgages tailored to their business structure.
How AIMS NI Provides Specialist Mortgage Advice
At AIMS NI, we don’t rely on one-size-fits-all solutions. Instead, we provide personal, independent mortgage advice that’s built entirely around you.
Here’s how we work:
We listen first, taking time to understand your full financial picture.
We search the whole mortgage market, including specialist and niche lenders you won’t find on comparison sites.
We compare thousands of products to identify the right fit for your goals and affordability.
We guide you from application to completion, managing the process on your behalf.
With professional advisors based throughout Northern Ireland, we offer flexible appointments — in person, by phone, or online — to make things as simple as possible.
Benefits of Choosing a Specialist Mortgage Broker Like AIMS NI
Working with a specialist broker gives you an advantage that standard lenders can’t offer. Here’s why clients across Northern Ireland trust AIMS NI:
Independent & Whole-of-Market Access – We’re not tied to any lender, so we find the best deal for you.
Award-Winning Service – Trusted by clients since 2003 for exceptional advice and support.
FCA-Regulated & Experienced – Giving you peace of mind that you’re in safe hands.
Tailored Solutions – Designed around your unique financial situation.
Friendly Local Advisors – Available across Belfast and throughout Northern Ireland.
Support Beyond Approval – We’ll continue to help you long after your mortgage completes.
Types of Specialist Mortgages We Can Help With
AIMS NI’s whole-of-market access means we can advise on a wide range of specialist mortgage products, including:
Bad Credit Mortgages – Helping clients rebuild after credit issues.
Self-Employed & Contractor Mortgages – Based on your actual income, not just payslips.
Buy to Let & Portfolio Landlord Mortgages – Tailored to landlords managing multiple properties.
Remortgages with Complex Circumstances – For those looking to switch or release equity.
Shared Ownership & Government Schemes – Making homeownership more accessible.
Self Build Mortgages – For clients building or converting their own homes.
Whatever your situation, we’ll find a solution that works for you.
The AIMS NI Specialist Mortgage Process
We make securing a specialist mortgage as straightforward as possible:
Free, No-Obligation Consultation – Tell us about your circumstances and what you want to achieve.
Review & Recommendation – We’ll assess your finances and credit to find your best options.
Whole-of-Market Search – We compare deals from hundreds of lenders, including niche specialists.
Application Support – We handle all paperwork and liaise directly with lenders.
Ongoing Advice – We’ll be here for remortgages, insurance, and future property plans.
Get Specialist Mortgage Advice from AIMS NI Today
When your circumstances are a little more complex, you need more than a standard approach — you need specialist mortgage advice.
At AIMS NI, we combine experience, independence, and understanding to help you secure the mortgage that’s right for you.
Call us today for a free, no-obligation chat with one of our friendly advisors and take the next step towards your mortgage solution.
Specialist Mortgage Advice FAQs
It’s mortgage advice for clients with non-standard situations, such as self-employment, credit issues, or complex income. It helps you access lenders and products that suit your circumstances.
Yes. AIMS NI works with specialist lenders who consider recent payment history and overall affordability, not just past credit problems.
Not necessarily. The deposit requirements for self-employed mortgages are similar to those for traditionally employed individuals. However, having a larger deposit can strengthen your application and improve your chances of securing a favourable deal.
Absolutely. Being declined by one lender doesn’t mean you can’t get a mortgage. We’ll explore other lenders who may be more flexible.
Not necessarily. At AIMS NI, your initial consultation is free, and we’ll always be transparent about any costs before proceeding.
Yes — our specialist mortgage advisors work across Belfast and throughout Northern Ireland, offering face-to-face and online appointments.
Mortgage Brokers Belfast
Disclaimer
A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
