Paddy Rice First Time Buyer Mortgages

Paddy Rice First Time Buyer Mortgages Helping First Time Buyers Secure A Mortgage To Buy Their First Home. Taking The Stress Out Of It All

28/08/2026

What does a 5% deposit actually look like in Northern Ireland? 🏡

🏠 £150,000 home → £7,500 deposit
🏠 £180,000 home → £9,000 deposit
🏠 £200,000 home → £10,000 deposit
🏠 £250,000 home → £12,500 deposit

5% deposit mortgages are available right now through lenders on my panel.

Comment DEPOSIT below and I'll send you the free Deposit Guide 👇

26/08/2026

Most people think income protection pays out the day they can't work.
It doesn't.

And not understanding this could leave you in serious trouble.

When you take out an income protection policy, there's something called a deferred period.
That's the waiting time between when you stop working and when the policy starts paying you.

The most common deferred periods are 4 weeks, 8 weeks, 13 weeks, 26 weeks, and 52 weeks.

So if you choose a 13-week deferred period and you're off sick — you won't receive anything from your policy for the first 13 weeks.

Now this isn't necessarily a problem — if your employer pays sick pay for 3 months, a 13-week deferred period makes perfect sense.
The deferred period should match when your other income stops.

But if you have no employer sick pay — you might need a much shorter deferred period.1 week, 4 weeks. Maybe 8 weeks – depending on how long you can cope with no income.

The shorter the deferred period — the more the policy typically costs.
The longer the deferred period — the more affordable it can be.

Before you set up any income protection policy, know your deferred period and make sure it matches your situation.

Follow for more income protection tips.

25/08/2026

3 things your bank hoped you'd never find out about mortgages 🏦

1. Your bank's rate is almost never the best available
2. Your bank can say no even when another lender would say yes
3. Using a mortgage broker might not cost you anything for the initial meeting

A broker searches a wider ranger of lenders, finds the right deal for your situation, handles the paperwork.

Comment GUIDE below and I'll send you our free First-Time Buyer Guide 👇

17/08/2026

Two rejections. Bad credit. She thought she'd never own a home. 🏡

Then she called me.

Her missed payments were old. Her income was stable. Her credit had been improving for 18 months — she just didn't know it.

We found a specialist lender who looked at the full picture.

Mortgage offer in 4 weeks. Keys 2 months later.

Most people with credit concerns give up too soon.

Comment CREDIT below and I'll send you my free Credit File Guide 👇
Covers exactly what lenders look at and what your real options are.

12/08/2026

You can't work for a year. What happens to your mortgage? 😰

Month 1 — savings cover it. Fine.
Month 2 — savings running low. Statutory sick pay kicks in at £116/week.
Month 3 — savings gone. Mortgage still due. £116/week doesn't cover it.

This happens to thousands of people in the UK every year.

Income protection pays 60-65% of your salary if you can't work — so your mortgage and bills are covered while you recover.

The most common response: 'I'll sort that later.' Later is too late.

Share this with someone who has a mortgage but no protection 👆
Follow for more next week — including exactly how much it costs.

11/08/2026

There's a scheme in Northern Ireland that lets you buy a home with a smaller deposit — and most first-time buyers don't know about it 🏡

Co-Ownership NI lets you buy between 50-90% of a property.
Your deposit is based on your share — not the full value.

£190,000 home → buy 50% share → mortgage on £90,000. Much smaller deposit. Same home.

Comment DEPOSIT below and I'll send you our free Deposit Guide 👇
Covers Co-Ownership, the 5% scheme, and everything else available to NI first-time buyers.

Attended Fleadh Cheoil na hÉireann on Friday and was absolutely blown away.I have never seen Belfast like that in my li...
09/08/2026

Attended Fleadh Cheoil na hÉireann on Friday and was absolutely blown away.

I have never seen Belfast like that in my life.

Every corner you turned was another event to see.
Well done the organiser.

Was great to share with the entire family as we rarley get the chance to get out together these days.

08/08/2026

Most people insure their phone but not their income 📱

If you were off sick for 6 months — could you still pay your mortgage?

Statutory sick pay is £116 a week. The average mortgage costs significantly more than that.

Income protection pays you up to 65% of your salary if you're unable to work — so your mortgage, bills and family are protected.

It's more affordable than most people think — and it's something I talk about with every first-time buyer I work with.

Save this and follow for more on income protection next week 💾

Address

222 Lisburn Road
Belfast
BT96GD

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 7:30pm
Friday 9am - 5:30pm
Saturday 9am - 12:30pm

Website

,

Alerts

Be the first to know and let us send you an email when Paddy Rice First Time Buyer Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Paddy Rice First Time Buyer Mortgages:

Shortcuts

Share

Category