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Financial Services

Finding the Right Mortgage

It's very useful to talk to an adviser about mortgages. With fewer mortgages available in the market today and with stricter lending criteria than in recent years it's more important than ever to get advice on what's the best deal available for you. With over 4500 mortgage products available please get in touch with your local UPS office today.

Our advisers have access to a wide range of lenders, special offers, mortgage and remortgage products, so they can discuss the best options for your individual circumstances.

Our advisers will explain in plain English the benefits and differences of the various types of mortgage products available, fixed, discounted, tracker, variable, offset and capped/collared. So whether you are a first time buyer, home mover, looking to remortgage or a further advance, our adviser will help you understand the choices and options available to you.

We do not charge for initial mortgage consultation. We may charge a fee on completion of your mortgage depending on the circumstances. Our typical fee is £250. Please confirm with consultant at the time of appointment.

Your home may be repossessed if you do not keep up repayments on your mortgage.

UPS Financial Services Limited undertakes credit broking and is not a lender


With a fixed rate mortgage, your monthly payment will stay the same for a set period.

Fixed Rate Mortgages can cost slightly more than a variable rate mortgage, but Fixed Rates have the added advantage that they offer security against interest rate fluctuations. They offer clients the ability to budget more effectively. An early repayment charge may be payable if you repay your mortgage in the fixed rate period.


A standard variable rate mortgage can go up and down in line with market rates, such as the Bank of England's base rate. You have more flexibility and can usually repay your mortgage without any early repayment charges but your monthly payments can go up and down which can make budgeting difficult.

Shared Ownership

Designed to assist a first time buyer to purchase a property. Operated through the Northern Ireland Co-Ownership Housing Association. Full details as to the suitability of the scheme are available from the local UPS Financial Services advisor.

Buy to Let

Buying property as an investment has increased in popularity in recent years. There are a number of specialist products available with a number of important differences between these and residential mortgages. Our Advisors can take you through those differences and make a suitable recommendation.

You may have to pay an early repayment charge to your existing lender if you remortgage

Meet the Financial Team

Sam Brown
Sam Brown
Paul Connell
Paul Connell
Tracey Perry
Tracey Perry
Eileen Morrow
Eileen Morrow
Lisburn Road
Mari O'Hagan
Mari O'Hagan