• Mortgages
  • Insurance
  • Protection

Welcome to Mortgage & Financial Guidance Ltd

We are open to service your needs and can provide remote appointments or in person. Daytime/evening  calls available. The following services are available:

Health Insurance  (Company and Individual) Purchase and remortgage and Buy to Let. Income Protection. Life Insurance. Critical Illness. Buildings and Contents Insurance. Landlords Insurance. Equity Release (Via Referral)

We specialise in providing you with quality, professional Financial Advice that you can trust. Whatever your particular requirements, whether it be a mortgage, protection against accident, sickness or death we can ensure that we find the best solution for you. We provide options for Private Healthcare whether it be for an individual, family or company scheme. We also offer a comprehensive range of home insurance and Landlords insurance options.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

 Mortgage & Financial Guidance Ltd act as a credit broker not a lender.


Client Testimonials

June 2024

I have no recommendations for improvement. The service we received was flawless.

We had a difficult case with not many options as a result. Tim explained everything very well and helped us find the best deal within a niche market.

Mortgage, CB Co Antrim


January 2024

They way everything is explained in a lay man’s language that I can understand. The options and choices that I’m shown and the advice I am given to make the choice of the best product for my circumstances.

Mortgage, LK Co Down


January 2024

We have been advised by Tim for nearly 10 years now and will continue for the foreseeable future anytime we come to remortgage a property.

Mortgage, SC Co Antrim


February 2024

Tim’s knowledge and service was exceptional. Communication and explanation of the mortgage was simplified and made easy to understand. Getting me one of the best mortgage deals available.

Mortgage, GM Co Antrim


February 2024

Efficient and quick responses, diligent and thorough in work provided and friendly and approachable!

Mortgage and Protection, SM Co Antrim


March 2024

Tim was flexible and responsive to communications and worked around our schedule. He is knowledgeable, efficient and happy to answer questions.

Mortgage, CM Belfast


April 2024

M&FG are on the ball and very knowledgeable and helpful.

Buy to let mortgage, DS Belfast


April 2024

Tim was extremely attentive and prompt in all of his correspondence with us. He is highly professional but friendly and personable at the same time; an absolute pleasure to deal with. He delivered within an extremely short timescale and kept us updated at every step. I would happily recommend him in the future and will certainly be using his services again. Many thanks.

Mortgage and Protection, MD Co Antrim


April 2024

The level of customer service provided by Tim was exceptional. He responded extremely promptly to any query and went above and beyond to make sure the whole process was extremely easy for us.

Mortgage and Protection, AK Co Down.


May 2024

Tim was great, highly recommend. Especially as first-time buyer, I was very unsure of the process, but Tim has been amazing. Tim explained the processes and how quick he was to respond to any queries.

Mortgage and Protection, JR Co Antrim



Tim goes above and beyond and is always at the end of his phone for any queries. Would absolutely recommend.

L C, Co Down, Northern Ireland. (Mortgage Advice)


Tim was always updating us as soon as he had information of relevance we never had to chase up anything or wait for anything.

E W, Belfast, Northern Ireland. (Mortgage and Personal Protection Advice) January 2023


Excellent service and Tim went above and beyond to deal with all issues at all times. Highly recommended to several others.

D R, Belfast, Northern Ireland. (Mortgage Advice). December 2022


My experience was flawless from start to finish. Help and advice available when required and a professional service throughout. Look forward to working with Tim in the future.   

G M, Bangor, Northern Ireland. (Mortgage Advice) December 2022


Made the impossible, possible in a very short time frame Answered every question i had and got me sorted Only wish i was recommended to tim sooner

R D Northern Ireland. (Mortgage Advice) November 2022


When faced with a peculiar confluence of factors, Tim’s experience and knowledge kicked in and helped divert me from wasting time and resources.

D M, Northern Ireland. (Mortgage Advice) Aug 2022


Professional service, good communication personable, friendly & very helpful.

C C, Northern Ireland. (Mortgage Advice) Aug 2022


Tim's service and commitment to helping me was outstanding.

C M, Northern Ireland. (Mortgage, Personal Protection, Home Insurance) September 2022


Tim went above and beyond to secure not just an amazing mortgage but an amazing incentive with it and helped me to secure a home for me & my son. Nothing was an issue & Tim kept me informed through the entire process & I couldn’t thank him enough. An amazing start to 2022 for me & my son.


What impressed you most?

The amount of advice that Tim gave me with regards to interest rates and the variety of products. He really did do everything to secure an amazing deal for me and I’ll be forever grateful that I’m in an affordable home for me & my son.

Ms D, County Antrim Jan 2022 – Mortgage & Insurance


Tim went above and beyond to make sure I got my mortgage sorted, on both occasions. I would recommend him to anyone.

Ms W, Co Down, Jan 2022 – Mortgage

What were you most impressed with?

Knowledge, communication and overall manner. Very understanding and provided a lot of information to myself and my partner. As first time buyers we were pretty clueless and Tim was amazing. I will 100% recommend him to any friends and family in the future for mortgage guidance.

Mr S, Bristol, Jan 2022 – Mortgage


 What were you most impressed with?

 The service provided by Tim stood out from all other parties involved in the home buying process from solicitors to estate agents. He is informative and efficient and I have and will continue to recommend his services to anyone buying a home.

 Mr M, Co Down, Dec 2021 – Mortgage & Insurance


What were you most impressed with?

I don't have to worry about anything. The adviser would remind me before the products expire and sometimes would provide a cheaper price for the same product for renewal.

Mrs W, Belfast, Nov 2021 – Home insurance and Landlords insurance.


What were you most impressed with?

Tim’s knowledge, patience, and desire to do the right thing for his client.

Mr C, Co Down, Nov 2021 – Insurance


I feel the advice I was given was very personal as i am a widow and I find making decisions difficult and therefore I changed my mind a lot. Tim showed extreme patience and got me an exceptional product which I'm extremely pleased with. Tim answered every question I had with reassurance and kindness and never made me feel like it was a bother to him, thank you.

Anon, Nov 2021 - Mortgage and insurance.


Tim at Mortgage & Financial Guidance Ltd helped us to get a mortgage for our new home and couldn't recommend him high enough. He went above and beyond in sourcing the best deal for us. He was prompt replying to our questions, patient in explaining details. His assistance was tailored, and we will definitely use Tim in future.

What were you most impressed with?

Efficiency, attention to details.

Mrs W, Belfast. Sept 2021, Mortgage.


Tim was extremely thorough and patient throughout our home buying process. We were first-time buyers and Tim was excellent at walking us through all of our options (and answering our endless questions). We have already recommended Tim to a number of friends and family members.

What were you most impressed with?

Tim's commitment (answering calls and messages very promptly at any time of day) was outstanding and his calm, methodical approach really helped us through our buying process.

Mr K, London, Aug 2021, Mortgage


Made everything very straightforward and any queries responded in timely manner.

Ms D, Belfast, June 2021, Mortgage


Tim Leonard was very professional and responsive throughout. He always seemed to go in the extra mile. Nothing was too hard. He made himself available at short notice. He was also very personable to deal with.

Mr J K, London. Jan 2021 – Mortgage and Health Insurance


Any questions or queries I had were always answered in a professional and informative manner (also in an easily comprehensible language!)

Mrs K M, Newtownards. Nov 2020 – Mortgage and Protection


What were you most impressed with? - How easy it was to speak with Tim face to face and also via phone calls. Providing ourselves with excellent information and advised us very thoroughly. Kept us updated throughout the entire process which we felt was important.

Mr M C, Lisburn. Nov 2020 – Mortgage and Protection


Tim Leonard was a superb mortgage advisor. He was responsive, knowledgeable and nothing was ever too much trouble for him to deal with. I would highly recommend him (and have done so already to my friends).

What were you most impressed with? - Tim's knowledge of the products and anticipating changes in interest rates.

Mr M T – Oxford. Oct 2020 - Mortgage


Tim consistently goes above and beyond to provide excellent advice and options for my various mortgage requirements, in a timely and professional manner.

What were you most impressed with? - I am so thankful that I now have Tim providing solutions and continually provide options for my various mortgage needs.

Mr T F – Belfast. Oct 2020 - Mortgage


Tim Leonard provided all the information and guidance I needed throughout the entire house purchase process. Doing so in a very professional and knowledgeable manner, always ready to answer any questions I had and going well beyond what I expected to provide added value over and above other broker providers.

What were you most impressed with? - Kept me up to date at each stage outlining my options and supplying information I needed to make decisions.

Mr P W, Belfast. Oct 2020 - Mortgage


We only ever use Tim and have already recommended him to many friends and family who consistently give excellent feedback.

What were you most impressed with? Prompt clear responses to our questions and always giving us alternatives should we need. Would never use anyone else!

Mrs A W – Brighton (Mortgage and Protection) May 2020


Excellent advice given in a very concise, professional and friendly manner.

What were you most impressed with? Professionalism and knowledge.

Mr G C – County Down (Health Insurance) April 2020


Very personal service and felt very reassured by Tim's professionalism.

What were you most impressed with? Personal service Professionalism Time management.

Mr G M – County Down (Mortgage) April 2020


Total faith and confidence in the advice being given to me.

What were you most impressed with? The time patience and detail that went into his work and meetings.

Mr F D – Belfast (Life Insurance) April 2020


Very helpful always going that extra mile to get us the best products.

What were you most impressed with? Tim’s knowledge of what we were looking for and needed.

Mr J S - Belfast (Buildings and Contents Insurance) April 2020


Tim has taken all the stress out of the process would 100% recommend him to everyone.

Mrs D M – Belfast (Mortgage Review) April 2020


They are very good. I recommend them to friends.

Mr F – Belfast (Buildings insurance) April 2020


Tim is very professional, very experienced and very knowledgeable.

What were you most impressed with? The quality of the service provided

Mr C – Mid Glamorgan (Mortgage, Buildings Insurance) March 2020


Fast efficient service, tailored to our requirements. Easy to understand quotes. Services are offered

evenings and weekends for flexibility. Would highly recommend.

What were you most impressed with? - Friendly and approachable adviser. Made things easy to understand.

Mrs  A – Lanarkshire (Income Protection)


"Great service all round from Tim couldn't ask for better made the process so easy to understand all done with the highest of

A Feenan. Belfast. October 2019


"Excellent service every time, one happy customer. I would highly recommend this company to anyone."

C Lau. Belfast. September 2019


"Very good, trustworthy, thorough service!"

D Buckley. London. August 2019


"I was delighted with the service I got from Tim Leonard . He was well informed and got me the right product for me and was fast and efficient and easy to talk to and understand"

L Kennedy. Co Down. June 2019


"Tim provided me with excellent financial advise. He was very thorough and took time to explain all the key aspects of the products that he
recommended. Many thanks Tim!"

A Nesbitt. Co Antrim. May 2019


"Have been working with Mortgage and Financial Guidance Ltd for many years. Our advisor Tim is always professional and very easy to deal with. We always feel we are in safe hands and get the best advice"

R Blythe. Co Down. April 2019


"Tim was so helpful in arranging my mortgage for me.

He was polite, patient, helpful and punctual. Excellent communication, he responded to all my calls and emails without delay. Couldn't recommend him highly enough."

D Brown, Belfast, March 2018


"Thanks Tim for your support. Your flexibility in organising and appointment around our work schedule was really helpful. You ongoing comms made our purchase seamless."


S and L McClure, Belfast, June 2018



"Tim Leonard is a complete gentleman! So hardworking, decent and honest. I'd recommend him to anyone. Thank you for all your hard work Tim."


S Patterson, Co Down, June 2018



"Mr Tim Leonard was a fantastic help with his invaluable mortgage advice. Tim was professional and supportive throughout the process. My husband and I highly recommend him to family and friends."


B Chaplin, Hertfordshire, May 2018



"The service that was received was second to none. Tim is an extremely friendly and hardworking advisor. Since working with Tim I have recommended him to friends and family. Brilliant service!"


S McGlennon, Co Down, May 2018



"I wouldn't work with anyone else for mortgages and I recommend to others. Thanks again." 


S Prentice, Co Down, May 2018


"I have used Tim for all my mortgages and cannot recommend him highly enough. His company are so professional, quick, reliable and up to date with all the mortgage offerings. I wouldn't have been able to get the mortgage through so quickly without his expertise. He is also so passionate and a pleasure to work with. Will be recommending to family and friends as he goes the extra mile. Thank you Tim for all your hard work in making our dream family house come true." 

A Worthington, Brighton, April 2018


"Tim was excellent, have already recommended him to two of my friends one of which had just purchased a house with his help, couldn't recommend him enough." 

J Service, Belfast, Feb 2018


"Tim provided us with an exceptional service - he is very knowledgeable and professional and I would use and recommend him without hesitation."

B Cooper, Belfast, Dec 2017


"We really enjoyed working with Tim Leonard , because of him, our dream of owning a house is real . Thank you Tim .

S Lacatus, Belfast, Dec 2017


"A very professional service"

C Emerson, Belfast, Sept 2017


"Service was flawless - I could recommend highly enough."

A Kelly, Belfast. July 2017


“Very well informed and helpful, as always.

I would recommend Tim- and have done in the past, to anyone who is looking for a professional yet personal financial consultant.”

A Armstrong. Bangor. February 2017


“My husband and I are very pleased with are mortgage advisors advise we found him very professional and understanding of are needs in a mortgage I would have no hesitation in recommending Tim to friends and family.”    

Mrs A Fitzpatrick. Bangor, February 2017


“We definitely felt we got more than we paid for- it made something potentially really complex and daunting into quite a painless process, even down to dealing with some unexpected complications that happened.”

P Wilson, Brighton. December 2016


“We found Tim to be excellent to work with and very thorough with explaining everything to us. We have recommended him to many family and friends.”

S Belch, Belfast. November 2016


“Tim was professional, friendly and meticulous in his approach to our mortgage application.  He has a super personality and was patient and thorough his is research and presentation.  Outstanding.”

M Reid, Newtownards. December 2016


“Tim has been of great financial help to us for many years and I have recommended him to many of my friends and family.

Thank you Tim!”

S McCartney, Belfast. November 2016


What to do if you have a complaint?



We hope that you will be satisfied with the service that we provide.  If you wish to register a complaint, please contact us via any of the following methods:

In Writing:                    The Customer Resolution Team, PRIMIS Mortgage Network, 3700 Parkside, Birmingham Business Park, Solihull. West Midlands. B37 7YT.

By Telephone:              0121 767 1139

By Email:                     complaints.solihull@primis.co.uk

PRIMIS will aim to deal with your complaint quickly and impartially. You can see our full complaints procedures via our website www.primis.co.uk and following the links for Customer Complaints from the home page. If we cannot resolve your complaint to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service. 

Full details can be found on its website at www.financial-ombudsman.org.uk

The Financial Ombudsman Service do not have the power to make judgements in respect of Buy-to-Let mortgages where the mortgage was taken out predominantly for investment or business purposes. This includes most Buy-to-Let Mortgages. Our final response to any complaint will tell you whether you have the right to refer it to the Financial Ombudsman Service. 

Today's Best Buys 



Copyright © 2024 Mortgage & Financial Guidance Ltd. All Rights Reserved


Mortgage & Financial Guidance Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. (FCA 425858).
Mortgage & Financial Guidance Limited, registered in Northern Ireland No. 067218. Registered Office: City East Business Centre, 68-72 Newtownards Road, Belfast, BT4 1GW. Telephone 02890 941 627 or 02890 941 628.


Details submitted through this form are confidential. We will process any personal information collected in this form in accordance with our terms & conditions. The information therein is used only to contact you to discuss the areas you've expressed an interest in. Please note the contents of this form is sent via email and therefore may not be secure.

Click here for our Website Terms & Conditions

This site is only directed at persons within the UK. Calls may be recorded for training and monitoring.