First Time Buyer Mortgages

First Time Buyer Mortgages Helping First-Time Buyers Get the Keys to Their First Home – Without the Jargon or the Stress.

First Time Buyer Mortgages Ltd, is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority, specialising exclusively in first-time buyer mortgages across Belfast and Northern Ireland. We help first-time buyers understand how much they can borrow, what deposit they need, and how t

he mortgage process works — clearly, honestly, and without jargon. Our service begins with detailed mortgage affordability checks, credit score reviews, and deposit planning, giving first-time buyers confidence before they start house hunting. We arrange mortgages in principle and source suitable mortgage options from a panel of lenders, ensuring each recommendation is tailored to the client’s circumstances. We also provide guidance on co-ownership and low-deposit mortgage schemes, joint buyer applications, gifted deposits, and mortgages for self-employed first-time buyers. Alongside mortgage advice, we offer support with life insurance and income protection, helping clients protect their first home and long-term financial security. Based on Lisburn Road, Belfast, we support first-time buyers locally and across the UK. Our approach is friendly, transparent, and education-led, with a clear step-by-step roadmap from first conversation through to completion day. If you’re looking for a trusted first-time buyer mortgage advisor in Belfast, First Time Buyer Mortgages offers clear advice, realistic borrowing figures, and full support throughout the buying journey.

Celebrate it, tell the family, and start mentally arranging the furniture…But remember: an accepted offer doesn’t mean t...
03/09/2026

Celebrate it, tell the family, and start mentally arranging the furniture…

But remember: an accepted offer doesn’t mean the house is officially yours just yet.

There are still a few important things happening behind the scenes before you get those keys 🔑

Your mortgage application needs to progress; the property may need a valuation and survey, and your solicitor will carry out the necessary legal work before everything can move towards completion.

For a first-time buyer, this is often the part of the journey you know least about, and that’s where having the right people around you really helps.

At First Time Buyer Mortgages, we’ll guide you through the mortgage process, keep you updated and help you understand what’s happening next - without drowning you in jargon.

So when you get that exciting “offer accepted” call, you can enjoy the moment knowing you’re prepared for what comes next.

Thinking about buying your first home in Northern Ireland?

📞 Get in touch and let’s get you prepared.

https://firsttimebuyer-mortgages.co.uk/contact



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

Buying your first home involves a surprising amount of paperwork. 📁And while nobody dreams about spending an evening org...
01/09/2026

Buying your first home involves a surprising amount of paperwork. 📁

And while nobody dreams about spending an evening organising documents, doing it early can save a lot of scrambling around later.

Because the worst time to discover you’re missing something?

When you’ve found the house you want, and you’re keen to get things moving. 🏡

A little organisation now can make the mortgage application stage feel much smoother when the time comes.

👉 Swipe to see some of the paperwork you will need.

And remember, exactly what you'll need will depend on your circumstances and the lender.

If you're thinking about buying your first home, speak to us early, and we'll help you understand what you may need and what your next steps look like.

https://firsttimebuyer-mortgages.co.uk/contact



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

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 👇

Let's settle the debate...Is any home really complete without a four-legged friend?Whether you're dreaming of a garden f...
26/08/2026

Let's settle the debate...

Is any home really complete without a four-legged friend?

Whether you're dreaming of a garden for endless zoomies, a comfy spot by the fire, or a hallway big enough for those enthusiastic welcome-home greetings... 🐾

Let's be honest… the dog bed will probably be ignored.
The sofa? Claimed.

And don't be surprised if they inspect every room before you do! 😂

For many first-time buyers, a new home isn't just for them – it's for the whole family, including the one with four paws and a waggy tail. 🏡❤️

Here's to all the dogs patiently waiting for the day they can sniff every corner of their brand-new home.

If you're working towards buying your first home in Northern Ireland, we'd love to help make that dream a reality (for all of you 🐶).

📞 Book your free first-time buyer consultation today.

https://firsttimebuyer-mortgages.co.uk/contact

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 👇

New research shows that the percentage of take-home pay spent on mortgage payments varies significantly across different...
25/08/2026

New research shows that the percentage of take-home pay spent on mortgage payments varies significantly across different occupations.

For example:

📊 Managers, directors & senior officials – 24%
📊 Professionals – 30%
📊 Skilled trades – 39%
📊 Admin & secretarial – 45%
📊 Sales & customer service – 50%

But here's the important thing… these are averages, not lending rules.

Lenders don't decide based on your job title alone.

They look at your income, outgoings, deposit, credit history and overall affordability.

That's why two people with the same job could have very different borrowing options.

If you're wondering what you could realistically afford, the best place to start is with personalised advice rather than national averages.

📞 Book your free first-time buyer consultation today.

https://firsttimebuyer-mortgages.co.uk/contact



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

📊 In recent months, we have posted some interesting statistics...Average deposits. Average house prices. Average afforda...
19/08/2026

📊 In recent months, we have posted some interesting statistics...

Average deposits. Average house prices. Average affordability.

They're all useful because they help us understand what's happening in the market.

But statistics can never tell your story.

Everyone's circumstances are different.

🏡 Buying on your own or with a partner

💷 Saving your own deposit or receiving family support

💼 Employed, self-employed or earning variable income

That's why we don't believe in one-size-fits-all mortgage advice.

We take the time to understand your circumstances and search the market to find a mortgage that's right for you.

📞 Book your free first-time buyer consultation today.

https://firsttimebuyer-mortgages.co.uk/contact



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

While some mortgage deals are available directly to the public, brokers can often access a wider range of lenders and pr...
18/08/2026

While some mortgage deals are available directly to the public, brokers can often access a wider range of lenders and products that you might not have considered.

More importantly, we know which lenders are more likely to suit your circumstances.

That means we can help if you're:

💷 Buying with a smaller deposit
👨‍👩‍👧 Using a gifted deposit
💼 Self-employed or have variable income
📊 Unsure which lender is the best fit

It's not just about finding a competitive rate...

It's about finding a lender that's likely to say yes.

If you're buying your first home in Northern Ireland, we'll compare your options and guide you through the process from start to finish.

📞 Book your free first-time buyer consultation today.

https://firsttimebuyer-mortgages.co.uk/contact



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

Address

222 Lisburn Road
Belfast
BT96GD

Opening Hours

Monday 9:30am - 5:30pm
Tuesday 9:30am - 5:30pm
Wednesday 9:30am - 5:30pm
Thursday 9:30am - 8pm
Friday 9:30am - 5:30pm
Saturday 9am - 1:30pm

Telephone

+442896944284

Website

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