Buying your first home? Let's make it simpler.
Taking your first step onto the property ladder can feel daunting. We're here to make the mortgage side of things clearer, explain your options and guide you through the process from start to finish.
Start Your Journey Talk To Our TeamYour first home. Your first mortgage. We're here to help.
Buying your first home is exciting, but getting your head around mortgages, deposits, affordability and lenders can feel like a lot.
That's where we come in. We'll take the time to understand your circumstances, explain your options clearly and help you understand how much you could potentially borrow and what your monthly payments might look like.
From your first conversation with us through to getting the keys, we'll be here to guide you through the mortgage process and help keep things moving.
Taking the guesswork out of buying your first home.
There are plenty of things to think about when you're buying your first home. We'll help you understand the mortgage side of things and guide you through each stage.
Understanding Your Budget
We'll look at your income, commitments and circumstances to help you understand how much you could potentially borrow and what you could realistically afford.
Your Deposit
Whether you've been saving for years, have help from family or are exploring the options available with a smaller deposit, we'll explain what could work for you.
Finding The Right Mortgage
We'll search the mortgage market and help you understand the different options available, including the interest rate, term and monthly repayments.
Getting You To Completion
Once you've found your home, we'll help with the mortgage application and keep you updated as things progress, helping make the journey as straightforward as possible.
Your home may be repossessed if you do not keep up repayments on your mortgage.
More choice.
More ways to find the right mortgage.
Buying your first home can feel like there is a lot to work out. Which lender? How much can you borrow? What deposit do you need? And which mortgage is actually right for you?
We have access to a wide range of mortgage lenders and protection providers, giving us more options to consider when we look at your individual circumstances.
Below are just some of the lenders and insurance providers we work with. Our panel includes a wider range of providers, giving us the flexibility to explore the options available and recommend a mortgage that fits your circumstances.
Get Your Free First Time Buyer Brochure
Filled with practical advice, our First Time Buyer brochure is perfect if you're not ready to enquire about a mortgage today, but would like more information.
The brochure is completely free to download and provides 10 essential tips that every first time buyer needs to know about.
Get Your Free Guide
Enter your details below and we'll send you your free First Time Buyer brochure.
Could Co-Ownership help you get on the property ladder?
If buying a home outright feels just out of reach, Co-Ownership could give you another route to home ownership.
Co-Ownership is Northern Ireland's shared ownership scheme. You buy the share of the property you can afford, while Co-Ownership buys the remaining share.
From 15 September 2026, the maximum property value for eligible new-build homes through Co-Ownership has increased to £230,000.
A different way to buy your home.
Instead of needing to buy the whole property yourself, you buy a share that you can afford and Co-Ownership buys the rest.
Find your home
Choose a suitable property within the relevant Co-Ownership property limits.
Buy your share
You can initially buy between 50% and 90% of the property, depending on what you can afford.
Co-Ownership buys the rest
Co-Ownership purchases the remaining share, helping make the property more affordable.
Increase your share
As your circumstances change, you can choose to buy additional shares in your home.
Could Co-Ownership be right for you?
If you can't currently afford to buy a property outright, Co-Ownership could provide another route onto the ladder.
It could help if you can afford monthly payments but can't borrow enough to purchase the whole property.
Co-Ownership doesn't require a deposit for its standard Co-Own product, although your mortgage lender may have its own criteria.
It may also be available to people who have previously owned a property and meet the current eligibility criteria.
Co-Ownership questions, answered.
Do I need a deposit?
Co-Ownership does not require a deposit for its standard Co-Own product. However, individual mortgage lenders may have their own deposit requirements.
Can I eventually own 100% of my home?
You can choose to buy additional shares in your home as your circumstances allow, potentially working towards full ownership.
Is Co-Ownership only for first-time buyers?
No. Although many customers are first-time buyers, people who have previously owned a property may also be eligible if they meet the current criteria.
Can I apply with my partner?
Yes. Couples can generally apply together, subject to Co-Ownership's eligibility and affordability criteria.
Can McDaid Mortgages help me with Co-Ownership?
Yes. We can explain how Co-Ownership works, look at your mortgage options and help you understand whether it could be suitable for your circumstances.
Let's see if it could work for you.
Talk to us about your circumstances and we'll help you understand your options.
Speak To A Mortgage AdviserCo-Ownership eligibility is subject to the scheme's current criteria and your individual circumstances. Mortgage lending is also subject to lender criteria and affordability assessment.
Buying your first home? You're in good hands.
Choosing a mortgage adviser is a big decision. Here's what some of our clients have said about their experience with Mc Daid Mortgages.
