First Time Buyers

Buying your first property is an exciting prospect, yet it can be an overwhelming and arduous process trying to know where to start. Mortgage Solutions has advice you can trust and using our brokerage can help take much of the hassle out of your journey onto the property ladder.

How can we help?

We can take you through the process with ease and finding us was the first step, next is understanding more about the process.

Our job is to help you understand the process and to secure the right first-time mortgage for your situation. As mortgage advisors, we have access to exclusive deals and we will do a first time mortgage comparison to determine the most appropriate option for you.

The team will guide you through the house buying process and be with you every step of the way, by handling the whole process from application right through to completion (the day you get your keys!).

You are a first-time buyer, you are buying your main or only residence and you have never owned a residential property before.


What is a first time buyer's mortgage?

This is the amount of money you borrow from the lender, as a loan. The loan and the interest are then repaid monthly over the agreed period of time.

How do I get a mortgage as a first-time buyer?

Check out our mortgage calculator and work out how much you borrow and determine the maximum amount you can pay for your new home.

This is calculated based on your income, regular spending and any debts you might have.

How much deposit will I need?

Many mortgage providers may ask for 10% of the amount you want to borrow as a deposit, however, if you are struggling to save up to this amount, we can help advise you on the best solution for this.

Looking for first time buyer advice only?

With over 25 years of experience, at Mortgage Solutions you can talk to our mortgage advisors about first-time buyer schemes such as ‘Help to Buy’ mortgages, Co-Ownership and 95% loan-to-value mortgages.

We can secure benefits for you including cashback and a free property valuation. We are flexible and are able to work with you via email, phone and post or we can meet face-to-face at our Belfast office. We will adapt how we work to suit your needs and your busy lifestyle.

We offer a full, no-obligation consultation and we offer real first-time buyer solutions.

If you are a first-time buyer and wish to work with an award-winning mortgage broker then get in touch with our team today and we will help you get onto the property ladder.

Getting mortgage ready

We make finding mortgages easy

1. Find out how much you can borrow

Use our handy mortgage calculator or talk to one of our advisers.

2. Start Saving

You’ll need to start saving or already have a deposit. There are various different types of products available, each with different deposit options. Search and compare mortgages without a mortgage finder.

3. Get your paperwork

You’ll need to gather lots of evidence for the lenders such as bank statements, ID, payslips etc. But we can help you have all that ready from the start of the process.

4. Find a home

This is the fun bit!! Once you find one, put in an offer, cross your fingers and hope it’s accepted.

5. Get back in touch

Let us know if your offer has been accepted and we can go ahead and apply for your mortgage.

6. Find a Solicitor

Or we can help you through the conveyancing with one of our local partners. Your solicitor will carry out the necessary checks and searches on the property prior to putting the contract in place.

7. The contract & sale

The contract for sale is the agreement between you and the seller. It sets out all the agreed details such as price and planned completion date. A few days before completion, your solicitor will request the loan funds from our agreed lender.

8. Protect your mortgage

Before you draw down your mortgage, you should have adequate life assurance and home insurance in place. Nobody wants to think about the bad things in life but we want to make sure all our clients are properly protected. We’ll also help advise and arrange cover specific to your needs.

9. Move in

Don’t be lifting too many heavy boxes as we want your first few days in your new home to be happy ones.

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


Get The Right Mortgage For You!