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# Crawford Mulholland

## Sitemaps
- [XML Sitemap](https://crawfordmulholland.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Home Insurance in Northern Ireland: The Complete Guide (2026)](https://crawfordmulholland.com/home-insurance-northern-ireland/): Home insurance in Northern Ireland explained — buildings vs contents, how much cover you need, flood risk, non-standard properties and what your lender requires.
- [Porting a Mortgage in Northern Ireland: How It Works (2026)](https://crawfordmulholland.com/porting-a-mortgage-northern-ireland/): Moving house in Northern Ireland? How mortgage porting works — keeping your rate, top-up borrowing, early repayment charges and when a new deal beats the port.
- [How Much Can I Borrow for a Mortgage in Northern Ireland?](https://crawfordmulholland.com/how-much-can-i-borrow-mortgage-northern-ireland/): How much can you borrow for a mortgage in Northern Ireland? How lenders use income multiples and affordability stress tests in 2026, what raises or lowers your figure, and worked examples at NI incomes.
- [Government Schemes for First-Time Buyers in Northern Ireland](https://crawfordmulholland.com/government-schemes-first-time-buyers-northern-ireland/): A plain-English guide to the government schemes that help first-time buyers in Northern Ireland in 2026 — Co-Ownership, FairShare, the Lifetime ISA, the Mortgage Guarantee Scheme and the House Sales Scheme, plus what's not available in NI.
- [First-Time Buyer Stamp Duty in Northern Ireland: 2026 Rates](https://crawfordmulholland.com/first-time-buyer-stamp-duty-northern-ireland/): What stamp duty will a first-time buyer pay in Northern Ireland in 2026? The thresholds, the first-time buyer relief, who qualifies, and worked examples at NI prices — and why most NI first-time buyers pay nothing.
- [The Full Cost of Buying a House in Northern Ireland (2026)](https://crawfordmulholland.com/cost-of-buying-house-northern-ireland/): What does it actually cost to buy a house in Northern Ireland? The complete breakdown — deposit, stamp duty, solicitor fees, surveys, removals and the hidden first-month costs nobody mentions.
- [5% Deposit Mortgages in Northern Ireland: What You Need to Know](https://crawfordmulholland.com/5-deposit-mortgages-northern-ireland/): Can you get a mortgage in Northern Ireland with just a 5% deposit? Yes — but with caveats. The lenders, the criteria, the rates and when you should aim higher.
- [How Much Deposit Do You Need to Buy a House in Northern Ireland?](https://crawfordmulholland.com/how-much-deposit-first-time-buyer-northern-ireland/): How much deposit do you really need to buy a home in Northern Ireland? A clear breakdown for 2026 — typical deposits, zero-deposit Co-Ownership routes, gifted deposits, and how deposit size affects your rate.
- [First-Time Buyer Mortgages in Northern Ireland: The Complete Guide](https://crawfordmulholland.com/first-time-buyer-mortgages-northern-ireland-guide/): Everything a first-time buyer in Northern Ireland needs to know — deposits, Co-Ownership, NI stamp duty, the buying process and how to make a strong mortgage application.
- [Mortgage Application Checklist (Northern Ireland)](https://crawfordmulholland.com/mortgage-application-checklist-northern-ireland/): Most mortgage delays in Northern Ireland happen for one reason: missing or unclear documents.
- [Remortgaging Guide for Northern Ireland](https://crawfordmulholland.com/remortgaging-guide-northern-ireland/): Remortgaging isn’t only about “a lower rate” — it’s about total cost and flexibility (fees, ERCs, overpayments, term changes).
- [Co-Ownership in Northern Ireland: How the Scheme Works (2026)](https://crawfordmulholland.com/co-ownership-northern-ireland-guide/): How Northern Ireland's Co-Ownership scheme works in 2026 — eligibility, the £215,000 cap, no-deposit lender routes, rent and costs, and buying out your share.
- [Stamp Duty in Northern Ireland: What You Need to Know](https://crawfordmulholland.com/stamp-duty-northern-ireland-guide/): In Northern Ireland, property buyers may need to pay Stamp Duty Land Tax (SDLT) (the same system used in England).
- [Navigating Belfast’s Housing Market](https://crawfordmulholland.com/navigating-belfasts-housing-market/): For anyone considering buying a home in Belfast, understanding the current trends and insights of the local housing market is vital...
- [A Beginner’s Guide to Mortgages in Northern Ireland (2026)](https://crawfordmulholland.com/demystifying-mortgages-a-beginners-guide/): Are you ready to take the big step towards homeownership? Before...
- [Smart Moves for Homeowners](https://crawfordmulholland.com/smart-moves-for-homeowners/): If you or your family own a house, you might have heard about something...
- [5 Essential Tips for First-Time Homebuyers in Belfast](https://crawfordmulholland.com/5-essential-tips-for-first-time-homebuyers-in-belfast/): Congratulations on taking the leap into homeownership! Becoming a...
- [Mortgage in Principle Explained (Northern Ireland)](https://crawfordmulholland.com/mortgage-in-principles-explained/): What is a Mortgage in Principle (also called an AIP or DIP)? How to get one in Northern Ireland, how long it lasts, soft vs hard credit checks, and why it matters when you make an offer.

## Pages
- [Our Blog](https://crawfordmulholland.com/our-blog/)
- [Book](https://crawfordmulholland.com/book/): Click the button below to book a FREE appointment with one of our specialist advisors to discuss your mortgage or protection requirements in person, at a time that suits you, using our online booking system.
- [Resources](https://crawfordmulholland.com/resources/)
- [Insurance](https://crawfordmulholland.com/insurance/)
- [Mortgages](https://crawfordmulholland.com/mortgage-advisor/)
- [Contact](https://crawfordmulholland.com/contact/)
- [About](https://crawfordmulholland.com/about-crawford-mulholland/)
- [Home](https://crawfordmulholland.com/)

## Mortgages
- [Mortgages in Dundonald](https://crawfordmulholland.com/mortgages/dundonald/)
- [Mortgages in Newtownabbey](https://crawfordmulholland.com/mortgages/newtownabbey/)
- [Mortgages in Holywood](https://crawfordmulholland.com/mortgages/holywood/)
- [Mortgages in North Belfast](https://crawfordmulholland.com/mortgages/north-belfast/)
- [Mortgages in South Belfast](https://crawfordmulholland.com/mortgages/south-belfast/)
- [Mortgages in East Belfast](https://crawfordmulholland.com/mortgages/east-belfast/)
- [Mortgages in Bangor](https://crawfordmulholland.com/mortgages/bangor/)
- [Mortgages in Belfast](https://crawfordmulholland.com/mortgages/belfast/)
- [Moving Home Mortgages in Northern Ireland](https://crawfordmulholland.com/mortgages/moving-home/)
- [Contractor Mortgages in Northern Ireland](https://crawfordmulholland.com/mortgages/contractor-mortgages/)
- [Mortgages for Company Directors in Northern Ireland](https://crawfordmulholland.com/mortgages/company-director-mortgages/)
- [Expat Mortgages & Overseas Buyers in Northern Ireland](https://crawfordmulholland.com/mortgages/expat-mortgages/)
- [Mortgages for Doctors & Nurses in Northern Ireland](https://crawfordmulholland.com/mortgages/doctors-nurses-mortgages/)
- [Mortgages in Lisburn](https://crawfordmulholland.com/mortgages/lisburn/)
- [Self-Build Mortgages in Northern Ireland](https://crawfordmulholland.com/mortgages/self-build-mortgages/)
- [Mortgages for Professionals in Northern Ireland](https://crawfordmulholland.com/mortgages/professionals/)
- [Buy-to-Let Mortgages in Northern Ireland](https://crawfordmulholland.com/mortgages/buy-to-let-mortgages/): Buy-to-let and investment property mortgages across Northern Ireland — personal or limited company, portfolio landlords, HMOs and let-to-buy.
- [Self-Employed Mortgages in Northern Ireland](https://crawfordmulholland.com/mortgages/self-employed-contractors/)
- [Remortgaging in Northern Ireland](https://crawfordmulholland.com/mortgages/remortgages/)
- [First-Time Buyer Mortgages in Northern Ireland](https://crawfordmulholland.com/mortgages/first-time-buyers/)

## Insurance
- [Landlord Insurance in Northern Ireland](https://crawfordmulholland.com/insurance/landlords-insurance/)
- [Home Insurance in Northern Ireland: Buildings & Contents Cover](https://crawfordmulholland.com/insurance/building-contents-insurance/)
- [Private Medical Insurance in Northern Ireland](https://crawfordmulholland.com/insurance/private-medical-insurance/)
- [Income Protection in Northern Ireland](https://crawfordmulholland.com/insurance/income-protection/)
- [Critical Illness Cover in Northern Ireland](https://crawfordmulholland.com/insurance/critical-illness-cover/)
- [Life Insurance in Northern Ireland](https://crawfordmulholland.com/insurance/life-insurance/)

## Resources
- [Frequently Asked Questions](https://crawfordmulholland.com/resources/frequently-asked-questions/): Some of the most common questions we are asked here at Crawford Mulholland.
- [Credit Report & Score](https://crawfordmulholland.com/resources/credit-report-score/): Check your credit score today and learn key insights.
- [Mortgage Calculator](https://crawfordmulholland.com/resources/mortgage-calculator/): Estimate your monthly mortgage repayments for a Northern Ireland home — test loan size, term and rate, with worked examples at typical NI prices.
- [Stamp Duty Calculator](https://crawfordmulholland.com/resources/stamp-duty-calculator/): Calculate the stamp duty (SDLT) you'll pay on a Northern Ireland property — 2026 rates, first-time buyer relief and the additional-property surcharge.

## Team

## Reviews