Alice Gavin Financial Solutions are independent mortgage advisers based in Northern Ireland. We specialise in mortgages, insurance and equity release and offer consultations in the comfort of your own home all across Northern Ireland. We also offer bespoke training solutions for professional qualifications CeMAP, CeRER and DipFA at a range of price points.
Calculate your estimated monthly payment below, based on a repayment mortgage. As a mortgage is secured against your home, it could be repossessed if you do not keep up repayments. Our comments on the latest finance news, and guidance on common financial queries to help you make sense of your money.
There is increasing pressure on the government to provide the state pension to a population which is living longer and, at around a quarter of the national average earnings level, it is simply not enough to fund retirement beyond the most basic.Making plans is in my nature. I know this because of my devotion to the Google calendar, my habitual earliness and the satisfaction I feel when ticking off an item on my To Do list.
Calculate your estimated monthly payment below, based on a repayment mortgage. As a mortgage is secured against your home, it could be repossessed if you do not keep up repayments. Our comments on the latest finance news, and guidance on common financial queries to help you make sense of your money.
There is increasing pressure on the government to provide the state pension to a population which is living longer and, at around a quarter of the national average earnings level, it is simply not enough to fund retirement beyond the most basic.Making plans is in my nature. I know this because of my devotion to the Google calendar, my habitual earliness and the satisfaction I feel when ticking off an item on my To Do list.
Services
Our company director, Alice Gavin, is a qualified financial adviser who specialises in later life lending.
Alice has extensive experience as mortgage and insurance adviser, trainer and manager for the one of the UK's largest mortgage lenders and has won a regional award for customer excellence.
Alice is a registered FCA approved person.
We have access to products across the market, including deals which are not available on the high street.
We offer consultations in the comfort of your own home and can work with your schedule for a time to suit you.
Alice has extensive experience as mortgage and insurance adviser, trainer and manager for the one of the UK's largest mortgage lenders and has won a regional award for customer excellence.
Alice is a registered FCA approved person.
We have access to products across the market, including deals which are not available on the high street.
We offer consultations in the comfort of your own home and can work with your schedule for a time to suit you.
We can help you make the first step onto the property ladder.
Speaking in language you can understand, we will support you throughout your application to take the stress out of the often daunting process.
We can help you make changes to your existing mortgage.
Whether you want to change your rate, term or repayment type, or if you want to take out extra borrowing, we can explore options with your current lender and across the market to find the ideal arrangement to suit your needs.
We have access to mortgages across the market, including deals which are not available on the high street.
Speaking in language you can understand, we will support you throughout your application to take the stress out of the often daunting process.
We can help you make changes to your existing mortgage.
Whether you want to change your rate, term or repayment type, or if you want to take out extra borrowing, we can explore options with your current lender and across the market to find the ideal arrangement to suit your needs.
We have access to mortgages across the market, including deals which are not available on the high street.
Your mortgage is likely to be the biggest financial commitment you will ever make.
With that in mind, we will work with you to create a plan to ensure you have the right protection in place to give you and your loved ones peace of mind.
Our aim is to ensure you and your family are adequately protected if you become unable to work because of an accident, serious illness or even loss of life.
With the right plan, you can ensure that you can pay your mortgage, protect your family's lifestyle and have enough money to cover your everyday living expenses.
With that in mind, we will work with you to create a plan to ensure you have the right protection in place to give you and your loved ones peace of mind.
Our aim is to ensure you and your family are adequately protected if you become unable to work because of an accident, serious illness or even loss of life.
With the right plan, you can ensure that you can pay your mortgage, protect your family's lifestyle and have enough money to cover your everyday living expenses.
Equity release is available to homeowners who are aged 55 or over, and could benefit from either a cash lump sum or additional income.
A suitable plan can provide a solution if you want to retire but need more income, or aspire to a retirement which would overstretch your current income.
Lifetime mortgage: Lifetime mortgages are secured against your home, over which you retain ownership.
Most lifetime mortgages do not require you to make payments.
Instead, interest is rolled up and added to the balance of the mortgage.
A suitable plan can provide a solution if you want to retire but need more income, or aspire to a retirement which would overstretch your current income.
Lifetime mortgage: Lifetime mortgages are secured against your home, over which you retain ownership.
Most lifetime mortgages do not require you to make payments.
Instead, interest is rolled up and added to the balance of the mortgage.
The amount you can borrow depends on your income and expenditure.
We can review this to get an Agreement in Principle from your mortgage provider to show the maximum they will lend to you.
It will also show what percentage of the purchase price you will need to put down as a deposit, based on a soft credit search.
Stamp duty, though you may not have to pay anything if you are a first-time buyer.
Valuation/Survey fees - Mortgage providers will insist on a basic valuation survey and the cost will depend on how much the property is worth.
We can review this to get an Agreement in Principle from your mortgage provider to show the maximum they will lend to you.
It will also show what percentage of the purchase price you will need to put down as a deposit, based on a soft credit search.
Stamp duty, though you may not have to pay anything if you are a first-time buyer.
Valuation/Survey fees - Mortgage providers will insist on a basic valuation survey and the cost will depend on how much the property is worth.
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