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Looking for a reliable Mortgage Adviser in Ards?
Mortgage IQ helps you find the right mortgage with local expertise and trusted advice.
Kris Gaw is an award-winning mortgage adviser based in Bangor and Comber, with over six years of experience at Mortgage IQ. Starting in an administrative role, now Kris has been a Mortgage and Protection Adviser for 3 years.
In 2025, Kris received the Danske Bank Rising Star Award, recognising his exceptional service, deep industry knowledge, and client-first approach. Known for building trusted relationships, Kris provides expert mortgage advice tailored to first-time buyers, home movers, and remortgagers across Bangor, Comber, and the wider Northern Ireland area.
Getting onto the property ladder can seem quite daunting but with Mortgage IQ it doesn’t need to be.
Remortgaging is where you switch the mortgage on your home to another lender or negotiate a better deal with your existing one.
When it comes to a home building project there are so many more considerations. Let our experts guide you through the process.
The rules around buy-to-let mortgages are similar to those around regular mortgages, but there are some key differences.
Sharing a mortgage with co-ownership can be a great way to get started. Let our advisers talk you through it.
Our handy mortgage comparison tool for when you’re still thinking things through.
We can help with with Retirement Interest Only, Equity Release, Lifetime Mortgages and other specialist mortgage lending.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
This is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration.
Our expert mortgage advisers guide you through every stage of the mortgage journey - from comparing deals to completing applications. We match you with the most suitable lenders and mortgage products based on your financial situation and goals.
We regularly liaise with solicitors, lenders and estate agents local to Newtownards throughout the mortgage process, helping to reduce delays and keep things moving smoothly.
We provide advice on a wide range of mortgage options, including first‑time buyer mortgages, home mover mortgages, remortgaging and buy‑to‑let mortgages.
Our advisers will assess your circumstances and explain which options may be suitable for you, based on lender criteria and affordability. Some buy‑to‑let mortgages are not regulated by the Financial Conduct Authority.
Typically, you'll need recent payslips, proof of ID, bank statements, and any details of any existing credit or loans. Our Newtownards advisers will provide a clear checklist to ensure nothing is missed.
Yes. Self‑employed applicants are welcome. Lenders usually require additional documentation such as tax returns and business accounts, and our Newtownards advisers will help match you with suitable lender criteria.
Yes, we advise landlords and property investors in Newtownards and surrounding areas. Whether it's your first buy-to-let or you're expanding a portfolio, we'll help you understand rental income requirements and market-specific lender criteria.
A DIP is a document from a lender confirming how much you may be eligible to borrow - often required when making an offer on a home. Mortgage IQ Newtonards can arrange a DIP quickly, giving you a competitive edge when house hunting.
You can reach us by phone, email. We also offer virtual conversations for your convenience. Contact us today to get started with trusted mortgage advice.
IQ&Co provide a wide range of services whether you are looking to build, grow, protect or preserve your wealth.
