Kelvin Lee - First Time Buyer Mortgages

Kelvin Lee - First Time Buyer Mortgages Mortgage & Protection Advisor - Offering tailored advice for first-time buyers

27/04/2026

Another happy client! 🏡

Just secured a mortgage offer in only 2 working days for one of my customers. Faster than Royal Mail these days 👀

Speed matters in this market, and it’s great to help clients move forward quickly and with confidence.

If you’re thinking about buying your first home, feel free to drop me a message 👇

21/02/2026

Did you know you don’t need to find a house before you start your mortgage? 👀

Most people are out viewing kitchens and measuring for sofas… with no clue what they can actually borrow.

Sort the mortgage first. Then go house hunting like you mean it. 😉





18/02/2026

Did you know your own bank might not actually be the best place to get your mortgage? 👀

Shocking, I know.

It’s a bit like asking your mum if you’re her favourite — you already know the answer. 😂

Your bank will smile, maybe offer you a wee cup of tea, and then sell you exactly what they have on their own shelf. Meanwhile, a broker is out there hunting down rates like it’s the January sales in Belfast.

Loyalty is great… but not if it’s costing you a fortune for the next 25 years. Wise up and shop around. 💷





🧧🐎 CHINESE NEW YEAR 2026 🐎🧧This Chinese New Year is the year of the horse!The Horse symbolises energy, speed, success, a...
17/02/2026

🧧🐎 CHINESE NEW YEAR 2026 🐎🧧

This Chinese New Year is the year of the horse!
The Horse symbolises energy, speed, success, and perseverance – a perfect way to start the New Year!






09/02/2026

One missed payment does not mean your mortgage dream is over 🚫
Life happens — and lenders look at patterns, not perfection.

What matters is:
✔️ how long ago it was
✔️ why it happened
✔️ what you’ve done since

If you’ve ever thought “I won’t get approved anyway” — this is for you.
Don’t count yourself out before someone actually looks at your situation.







07/02/2026

Did you know some lenders will lend up to 6x your income? 😮
And yes — that can be joint income if you’re buying together.

It’s not every lender and it’s not for everyone…
but for the right first-time buyers, it can completely change what’s possible.

Before you rule yourself out or lower your expectations — get the facts first.
You might be closer than you think 🏡








05/02/2026

🏡 Thinking about buying your first home but not sure where you stand?

We’ve created a quick First-Time Buyer Score Quiz that helps you see how mortgage-ready you really are – no jargon, no credit checks, and no pressure.

✔ Takes under 2 minutes
✔ Gives you a clear score
✔ Shows what your next step should be

Whether you’re ready to go now or just starting to think about it, this will give you clarity instead of guesswork.

👉 Take the quiz here: https://firstimebuyermortgages.scoreapp.com

If you’ve any questions after, just send us a message – happy to help 👍

Your home may be repossessed if you do not keep up with repayments.







31/01/2026

One of the biggest questions I get from first-time buyers is:
👉 “How much can I borrow?”

The truth? It’s not just your salary. Deposits, commitments, and affordability all matter — and two people on the same income can borrow very different amounts 🤯

Thinking buying is “one day, maybe”?
👀 It might be closer than you think.


29/01/2026

🏡 Renting or buying? 🤔

Renting is flexible
Buying means your rent payments might finally stop disappearing into someone else’s pocket 💸😄

Let’s figure out what works best for you 🙌


Address

222 Lisburn Road
Belfast
BT96GD

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