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First Time Buyer Mortgages

First Time Buyer Mortgages

FREE, award-winning First Time Buyer Mortgage advice from Northern Ireland’s mortgage experts.

Buying your first home can be one of the most exciting experiences in your life. But it can also be daunting; trying to cut through the jargon and paperwork isn’t fun. You’ll have questions like:

How much can I afford for a mortgage in Northern Ireland?
How much of a deposit will I need for a mortgage?
What mortgage term should I take for a First Time Buyer Mortgage?
What is the difference between fixed and variable rate mortgages?
Should I choose a 2-year, 3-year or 5-year mortgage deal?
Will I be able to afford this mortgage with my current lifestyle?

At Northern Mortgages, we’ll cut through the jargon and guide you every step of the way with our unbiased advice.

With access to top First Time Buyer Mortgages available, we’ll take care of all the paperwork so you can enjoy shopping trips to IKEA for your dream home.

The process is straightforward.

Answer a couple of short questions, and we’ll calculate how much you can borrow.

We’ll explain how much everything will cost and then walk you through the entire purchasing process.

*Your home may be repossessed if you do not keep up repayments on your mortgage
I want Northern Mortgages to help me
Colm Lavery
Colm Lavery
Fantastic service from Rachael & the team. Explained my morgage options in the current market and went above & beyond in securing the best morgage for me. All round excellent service!!!
Conor Largey
Conor Largey
Fantastic Service, Very Straightforward and takes all the stress out of getting your Mortgage, Rachel is brilliant and pro-active in getting you over the line, I have to say Northern Mortgages came highly recommended & I would recommend this service to everyone
I have just purchased my first home thanks to racheal. She really goes above an beyond for her clients and really does go that extra mile. I highly recommend using the northern mortgages team Thank you
Neil McCamphill
Neil McCamphill
Really appreciate Rachael's help getting a mortgage offer. I had been having problems getting an offer and had previously engaged a couple of mortgage advisors with no success. Over the moon to get an offer with Rachael's help and really appreciated the advice on insurance and a full run down of rates expenses etc. Thanks Rachael!
Sean paul Hanna
Sean paul Hanna
Rachel and her team couldn't have helped me more than enough they made everything very easy for me with my first mortgage would definitely recommend them top class work appreciate it girls 👍👍
Clare A
Clare A
Rachael is fantastic at her job, she has an amazing team of professional individuals! They couldn’t have made my first time mortgage any easier. Each step was explained and executed perfectly and punctually making the whole experience as smooth as it could be, would highly recommend! Thanks to everyone Northern mortgages.
Nika Ketrari
Nika Ketrari
Adam Binu
Adam Binu
Very brilliant service and i will highly recommend her for the mortgage advice...
lesley king
lesley king
Excellent information, advise & knowledge. . Brilliant and friendly staff. Great 😁👍
Bronagh Finlay
Bronagh Finlay
I contacted Rachael and the team about how much my mortgage had increased after my two year fixed term had come to an end. Rachael contacted me the following day with a few options on new mortgages and before I knew it Rachael had explained all the details on what needed to be done in an easy and manaegeable way. Northern Mortgages saved me over £120 a month. I was absolutely delighted and the new bank that has taken on my mortgage gave me a cashback incentive, so now the Christmas presents for this year have been taken care of. Thanks to all at Northern Mortgages and thanks Rachael for your quick action.

Get your dream home in 4 easy steps

Contact us
Contact Northern Mortgages
We’ll identify top First Time Buyer Mortgage deals for you.
Quick and straightforward process
Answer some quick questions, and we’ll explain what First Time Buyer Mortgage deals you’re eligible for.
Once we’ve found a suitable First Time Buyer Mortgage deal for you, we’ll handle all the paperwork on your behalf.
Get a decision
We’ll chase the mortgage lender and solicitors on your behalf and come back to you with a decision quickly.

Got a question?

Contact the Northern Mortgages team today for advice you can trust.

Contact us


Northern Mortgages is a trading name of Rachael Mullan who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.

You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

No fee will be charged for our advice services. We will be paid a procuration fee from