1st Time Buyer

MORTGAGE HELP FOR 1st TIME BUYERS

FIRST TIME BUYER MORTGAGES

Buying your first home should be exciting, not daunting, and it's our goal to make sure it stays this way! We know there is a lot to think about, with numerous people involved and lots of financial jargon. That’s why we take the time to clearly explain everything in clear terms.

We know choice is important, so we have access to over 50 of some of the UK’s best known lenders, thousands of products, and some exclusive deals that you won’t find anywhere else. Most importantly, we’ll support you throughout the process. That way, you can be sure someone is there to guide you every step of the way.

How Do I Get My First Home?

  • one

    Find out how much you can borrow

    Use our handy mortgage calculator to get a quick estimate, or talk to one of our advisers who can provide a more accurate figure once they have assessed your income and outgoings. You can also read our First Time Buyer Guide for further information.

  • two

    Sort Out A Deposit

    You’ll need to start saving, already have a deposit sorted or talk to us about shared ownership schemes. There are different types of mortgages available, each with different deposit requirements, our Mortgage Advisers can guide you through the options.

  • three

    Gather Your Paperwork

    We will help you gather all the paperwork needed and guide you through the forms to secure a 'Decision in Principal'. A decision in principal is simply a promise from the lender to give you a mortgage, providing that the information supplied is accurate.

  • four

    Find a home

    This is the fun bit!! If you do not have a property already in mind, it's time to go find one! Once you find your perfect new home, put in an offer. Having a decision in principal from a mortgage lender will put you in a great position as the seller knows you can afford the property.

  • five

    Get back in touch

    Let us know your offer has been accepted and we can go ahead and apply for your mortgage. As before, we will guide you through all stages of the process and liaise with all parties involved to ensure a quick, stress-free result.

  • six

    Find a Solicitor

    Our Mortgage Advisers often know solicitors they trust to do a great job for you, or you can find one yourself. Your Solicitor will go through the legal part of the process including drawing up contracts and organising the legal purchase of the property.

  • seven

    Protect your Home

    Before you draw down your mortgage, this is the time to consider what Protection and Insurance cover you have in place. At a minimum you'll want home insurance in place, but income protection and illness cover will give you the peace of mind that you and your home are covered.

  • eight

    The contract & sale

    The two key dates to plan around are the "Exchange" and "Completion" dates. Once you have exchanged contracts, your deposit is transferred and you are legally bound to purchase the property. When you complete the purchase, the money is transferred and you get the keys to your new home!

  • nine

    Move in to your new home

    Now there is only one thing left to organise - your house warming party! And don’t be lifting too many heavy boxes, we want your first few days in your new home to be happy ones.

How Mortgage Solutions Can Help First Time Buyers

Mortgage Solutions can make your first mortgage easier than you ever imagined. We know our customers are busy, so offer you the choice of meeting face-to-face, over the phone or through Skype.
We will help you with the paperwork, explain the process and timescales and liaise with the other parties involved. Most importantly, we will regularly keep you updated on the progress being made.

You can use our Mortgage Calculator to figure out how much you can borrow and also view our First Time Buyer Guide. But the best thing to do is give your local branch a call and arrange a time to come in and talk to one of our experienced and qualified Mortgage Advisers.

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

What Our Clents Say

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Shauna McAleavey

Newry

If we hadn't had such good advice from Bronagh in the Newry branch, we wouldn't of been able to get our dream home! They put the customer first and find the best mortgage for you.

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Ken Whiteside

Newtownards

It was exactly 10weeks from we made the phone call to Sonya in mortgage solutions in Newtownards to we had the keys in our hands.Sonya was first class. They put the customer first and found the best mortgage for us.

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Aine Moyne

Derry/L'Derry

Claire knows her market well and can sort you out with the finance to suit your situation.

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Christopher O'Farrell

Dungannon

I used Cathy for sourcing my mortgage and all my insurance’s. She got the best deals going for me. Everything went through nice and fast. I’d recommend Cathy to everyone.

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Sarah Lou

Lurgan

Excellent service from Dermot and his team. Every step was fully explained and Dermot was there to answer any questions. Would definitely recommend 5*

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Selina Spiers

Magherafelt

I could not recommend Pawan enough, nothing is ever a problem. He made it all so quick and simple, no hassle. Now we are looking forward to moving into our beautiful new home. Thanks Pawan!

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Hugh O'Neill

Armagh

Me and my fiancee just moved into our new home in Armagh. Monica and John made the whole process very simple and easy, especially as we were relocating. Could not ask for better service and advice. Highly recommend.

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Shauneen O'Neill

Ballymena

Me and my partner wanted to buy are 1st home and didn't know where to start. They answered all out questions in a way we could understand. Sorted the mortgage that was best for us along with our life insurance. Which was a great help. I would 100% recommend them to any 1st time buyers.

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