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The Mortgage Clinic

The Mortgage Clinic

5.0(308 reviews)See reviews ↓·Belfast

About the company

The Mortgage Clinic was founded in early 2015 by Helmut Elstner, who is the Managing Director and has worked in financial services since early 2012. Elstner is from Dungannon and educated at Queens University Belfast. Filip Klimek is an Independent Mortgage Broker & Insurance Advisor and graduated from Business University in Poland. The firm provides independent mortgage advice and insurance advice. It offers mortgage advice for first-time buyers, buy-to-let, self-build, home movers, remortgage, and co-ownership.

It is an independent insurance broker for life insurance, critical illness insurance, accident & sickness insurance, home insurance, building insurance, contents insurance, private health insurance, private medical insurance, income protection insurance, redundancy insurance, landlord insurance, and commercial insurance. The Mortgage Clinic has close links to the local property market and estate agencies. It offers home visits. It supports clients at all levels, from first-time buyers to experienced investors. The Mortgage Clinic has a branch on the Lisburn Road in Belfast and a branch in the City East Business Centre. It has branches in Belfast City Centre, East Belfast, Ormeau Road, Lisburn Road, Dromore, Lisburn, Glengormley, Armagh, Lurgan, Dungannon, Coalisland, and Cookstown.

The Mortgage Clinic offers a free initial mortgage planning consultation, a free home mover mortgage planning consultation, a free remortgage consultation, and a free buy to let mortgage planning consultation. It is familiar with the lending criteria for all major lenders. It has access to many 'Broker only' banks & building societies and exclusive deals. The Mortgage Clinic won Best Independent Mortgage Advisory N.Ireland 2020, Best Mortgage Broker Belfast 2021, Mortgage Broker of the Year 2020, and was awarded Top rated Adviser 2021. It is the Number 1 rated Mortgage Advisors in Belfast and N.Ireland.

What customers say

Based on genuine customer reviews

The Mortgage Clinic holds a 5 rating from 308 reviews. Reviewers frequently mention advisers including Caolan, Helmut, James and Laura for explaining the mortgage process clearly, responding swiftly to queries of any size, and supporting first-time buyers with patience. Several reviews note advisers proactively rechecking the market for a more suitable deal even after an offer had already been arranged.

Reviews

Reviews are taken from publicly available sources.

ZX
Zhengui XUE19 June 2026

We are extremely satisfied with the mortgage arranged through the Mortgage Clinic. They took the time to understand our situation, explained everything clearly, and secured a fantastic offer from the bank. A friend recommended them to me, and now we can see why. We would confidently recommend their service to anyone looking for a mortgage.

EV
Eileen Vanden Broeck4 June 2026

Overall the service has been great: Everyone we spoke to was really efficient and helpful, and we got great advice and answers to our questions from Caolan.

AR
Anand R.J4 June 2026

Overall had a great experience with the Mortgage team, as a first time home buyer had lots of doubts in mind, the staff were patient enough to listen to all of it and clarify them as well. Gave me advice on getting a level 2 survey done to know about unseen issues with the property. Kudos to Helmut, Niamh and the team. Thanks for all the help 👍🏻

WW
Wiktoria W10 December 2025

We had a fantastic experience with the Mortgage Clinic as first time buyers. James was very thorough and informative from start to finish. His communications to us were swift and it was never a problem to get in touch or getting a response back. He always worked with us to schedule appointments at times that suited us, which we really appreciated. Even after securing our mortgage offer, James was always on hand to manage any queries for us. He made the entire experience smooth and stress free for us and we would highly recommend the Mortgage Clinic to anyone. Massive thank you to James for everything!

BM
betelhem major14 September 2025

We had an amazing experience with The Mortgage Clinic in Belfast. From start to finish, everything went smoothly thanks to their professionalism in handling our Morgage application. The team was incredibly polite, friendly, and always willing to help, while Helmut was amazing and extremely professional. They responded swiftly to all of our questions, no matter how big or small, and made the entire process stress-free. Their guidance and expertise were clear throughout, and we always felt like we were in good hands. If you're looking for trustworthy and efficient mortgage advice, we highly recommend The Mortgage Clinic. Absolutely top-class service!

EW
Emma Wallace25 August 2025

We got our mortgage through Caolan, and we were very pleased with the level of service provided. Caolan is extremely personable, friendly, and knowledgable. We immediately felt comfortable using him as our broker, and although our employment situation was a bit more complex (fixed term) he knew exactly which lenders to approach and what information was needed. He kept us updated throughout, and the whole process went very smoothly. We would definitely recommend Caolan to any of our friends/family, and will no doubt be using him again when it comes time to remortgage. Thank you.

BH
Bronagh Harkin22 August 2025

Helmut was excellent, he guided us through the entire process as first time homebuyers. Quick to respond to any queries and knows his stuff. Ryan was also very helpful on the phone and through email. Throughout the mortgage process Helmut checked to see if we could get a better deal than the one we had settled on too which was above and beyond what we expected.

Mortgage brokers in Belfast compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Belfast are compared.

RankProviderRatingReviewsOpen Sat.
1The Mortgage Clinic (this page)★ 5,0308Yes
2Crawford Mulholland Mortgage Advisors Belfast★ 5,0167No
3The Mortgage Clinic | Ormeau Road | Belfast★ 5,0134Yes
4First Time Buyer Mortgages★ 5,042Yes
5The Mortgage Shop★ 4,9172No
Contact
Working hours
Monday08:30–19:00
Tuesday08:30–19:00
Wednesday08:30–19:00
Thursday08:30–19:00
Friday08:30–17:30
Saturday09:00–13:00
SundayClosed