Business Details
Your Trusted Mortgage Advisers in Derry, Northern Ireland
At Irwin Financial, we specialise in providing tailored mortgage and personal insurance solutions. With over 20 years of experience in financial services, including a decade as a branch mortgage adviser at First Trust Bank, our expertise ensures clients receive professional, client-focused advice. We work with a comprehensive panel of lenders to recommend suitable mortgage products for first-time buyers, home movers, and those seeking remortgaging or equity release. Our insurance services protect against life's uncertainties, including critical illness cover and income protection. We prioritise confidentiality and flexibility, offering appointments across Northern Ireland, including evenings and weekends.Our advice process involves a thorough assessment of your financial situation to deliver bespoke solutions. We operate under the regulatory oversight of the Financial Conduct Authority through our affiliation with PRIMIS Mortgage Network. Clients benefit from our local market knowledge in Derry/Londonderry and Limavady areas while accessing nationwide services. We provide transparent fee structures discussed upfront and maintain partnerships with CoOwnership NI for specialised mortgage arrangements. Our commitment to regulatory compliance ensures clients receive trustworthy, authoritative guidance aligned with UK financial standards.
Services
Mortgage Advice
Life Cover
Critical Illness Cover
Income Protection
Co-Ownership Mortgages
Highlights and features
- We offer 20+ years of mortgage advisory experience from former bank professionals
- Our comprehensive lender panel ensures market-leading mortgage options
- Personalised insurance solutions tailored to individual family needs
- Flexible appointments including evenings, weekends and virtual consultations
- FCA-regulated advice maintaining strict professional standards
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgage Advice
We provide comprehensive mortgage advisory services covering first-time purchases, remortgaging, equity release and buy-to-let properties. Our FCA-regulated advisers assess your financial situation to recommend suitable products from a whole-of-market panel. Clients benefit from tailored solutions considering both immediate needs and long-term financial planning.
Life Cover
Our life insurance policies protect dependants against financial hardship in the event of death. We offer flexible coverage options that can be tailored to mortgage requirements or standalone protection needs. Policies include level term, decreasing term and whole-of-life cover with transparent terms and conditions.
Critical Illness Cover
This insurance provides financial security if diagnosed with specified critical illnesses like cancer or heart disease. We design policies to complement mortgage obligations or general living expenses, with clear payout structures upon diagnosis of covered conditions.
Income Protection
Our income protection policies replace a portion of your income if unable to work due to illness or injury. We create bespoke plans considering occupation-specific risks and financial commitments, ensuring continuity of mortgage payments and essential living costs.
Co-Ownership Mortgages
We facilitate co-ownership mortgage arrangements through partnerships with specialist providers. These solutions enable multiple parties to jointly purchase property with tailored repayment structures, particularly beneficial for first-time buyers in Northern Ireland's housing market.
People
Louise Irwin
Mortgage Adviser
Former First Trust Bank mortgage specialist with 20+ years' experience. FCA-regulated adviser offering tailored mortgage and insurance solutions across Northern Ireland. Holds advanced qualifications in financial services and prioritises client-focused advice.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgaging, buy-to-let mortgages, and co-ownership arrangements across Northern Ireland.
Do you offer insurance products alongside mortgages?
Yes, we provide life cover, critical illness protection, income protection, and family income benefit policies to complement mortgage arrangements.
How are mortgage advice fees determined?
Our fees depend on individual circumstances and are fully discussed during initial consultations before any commitment.
Can I get remote mortgage advice?
Yes, we offer telephone and online appointments alongside traditional office meetings for client convenience.
Are your services FCA regulated?
Our mortgage advice operates under PRIMIS Mortgage Network's FCA authorisation, ensuring regulatory compliance and consumer protection.
Reviews (5)
R. Turner Cars
Oct 05, 2021
Report
I have just purchased my first home & I want to say a massive thank you to Louise for all her help along the way! Being self employed I initially feared the mortgage application process would be a long & windy road but Louise made it seem like a breeze!
Louise was always on hand to answer any queries I had & there wasnt a question she could not answer. I really feel that Louise was a key part of my buying process & without her it would have been a-lot more stressful. I would not hesitate to recommend Louise to all my friends & family! Thank you again for all your help Louise it was a
Louise was always on hand to answer any queries I had & there wasnt a question she could not answer. I really feel that Louise was a key part of my buying process & without her it would have been a-lot more stressful. I would not hesitate to recommend Louise to all my friends & family! Thank you again for all your help Louise it was a
Dearbhaile Barr
Dec 05, 2020
Report
I recently moved back from Australia and have been working as a substitute teacher. I wanted to buy my first home but heard it would be difficult to get a mortgage without a permanent job. I also didnt have much of a credit history because I was living away for 13 years. A friend recommended Louise Irwin so I have her a call. She was amazing! Louise met with me straight away to get the ball rolling, she managed to get me a decision in principle really quickly despite my work and credit status and helped me with everything along the way including answering any questions I had (and there were
Irene King
Oct 08, 2019
Report
Louise helped me secure a new deal last year on my current mortgage, saving me 70 each month. Quick, efficient service. Highly recommend. Will be returning to Louise next year when my fixed term is up to review my current deal.
Leona Oconnor
Aug 10, 2019
Report
I would highly recommend this service. I was paying a higher mortgage than i needed to for years and Louise saved me a fortune getting me a better rate. I just put it off as didn't understand much about mortgages/finances and should have went to an expert sooner. I now have much more income to spend on other things. Louise is very friendly and puts you at ease don't hesitate.
Laura Clarke
Aug 08, 2019
Report
We went to Louise for mortgage advise and couldn't of been happy took all the stress out of applying for a mortage. Louise is very friendly, productive and approachable. Any questions or queries where always answered and sorted in a very timely manor. Relaxed environment. Would highly recommend Irwin financials.
