Protecting your family, your finances and your future



About Us

We offer clients a comprehensive service with one point of contact right through from start to finish, providing advice on mortgages and protection, recommending suitable products, submitting applications and progressing the application to completion.

We want to grow our business through referrals and the only way to get referrals is to provide our best proposition to the client. Therefore we source from a comprehensive range of mortgages from across the market.

Please feel free to contact us with any questions or if you would like any help

Who are Graeme Black Financial Services?

We are a family owned and run business offering a personal approach to sourcing mortgages and protecting clients over the longer term. We believe in establishing a long term relationship with our clients and keeping in regular contact to ensure that our advice and recommended solutions are reviewed regularly to maintain suitability at a competitive price.

Why do you need mortgage advice?

Most people will only need to arrange a mortgage deal once every few years so this means that they will have very little experience when it comes to finding a better deal. When looking for the most suitable deal for you, our mortgage advisers have access to a comprehensive range of mortgages from across the market. Your existing bank is only likely to offer you its own range of mortgage products.

Comparing Mortgage Rates

At Graeme Black Financial Services we have access to hundreds of mortgage deals available from a range of different lenders. Our comparison software allows us to compare a range of deals that are available at any given time based on your details. Once we have found the most suitable deal available, we can process your application on your behalf, aiming to save you time, hassle and money.


Sourcing the most suitable mortgage deal available is only half the battle when it comes to making your mortgage application. Finding competitive rates is one thing but getting it can be a different story. There are many different reasons why people are declined for a mortgage; failing the affordability calculator, length of time in employment, self-employment, low credit score, to name a few. Every time you unsuccessfully apply for a mortgage your credit score may be adversely affected & being declined numerous times will undoubtedly affect your credit rating and could result in you being unable to secure a mortgage in the future.

Risks of not getting advice

Getting advice rather than arranging a mortgage without any advice means that, if for some reason the mortgage turns out to be unsuitable for you later on, you’ll have more rights if you have reason to make a complaint. For example, you could make a complaint of financial misselling if the advice you were given turned out to be unsuitable for you. Without the advice, you will have to take full responsibility for your mortgage decision making.

If you don’t take advice you could end up with the wrong mortgage for your situation, which would be a costly mistake in the long run or being rejected by your chosen lender because you didn’t understand the restrictions clearly or what circumstances the mortgage was designed for.

Consult a mortgage adviser

A mortgage adviser is a specialist with in-depth knowledge of the market. They are able to look at a range of mortgage products which suit your needs. At Graeme Black Financial Services we will check a comprehensive range of mortgages from across the market.

Check your broker is on the Financial Conduct Authority register.

  • Graeme Black Financial Services offer advice and have access to a wide range of mortgages.
  • We will help you take all the costs and salient features of the mortgage into account, beyond the interest rate.
  • We often have exclusive deals with lenders, not otherwise available direct from lenders on the high street.
  • We will check your finances to make sure you can afford a mortgage.
  • We will only recommend a mortgage that is suitable for you and will tell you which ones you are likely to get. We help complete the paperwork with you, so your application should be dealt with faster.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For services in sourcing the most appropriate mortgage for your needs Graeme Black Financial Services charges a Fee of between £0 and £495 depending on amount of research and administration involved in your mortgage application. If the fee is £100 or less, this is payable upon mortgage application, if over £100 then the fee charged is payable in two stages being £100 upon mortgage application submission and then remainder of fee upon receipt of Mortgage Offer.

“ Graeme Black Financial Services is a trading name of Graeme Black, an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.

The Financial Conduct Authority does not regulate some forms of Buy to Let.

Address: 16 Drumhirk Road, Armagh, Co Armagh BT60 3ND

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.

Important – Please read our About Our Services & Costs document.

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