First Time Buyer

Buying a house for the first time is an
exciting time! However, the process can be
confusing for even the most experienced
homeowners.

There's help available from our qualified
advisers to ensure you're supported every
step of the way.

Enquire to find out more!

Are you planning to buy your first home? Contact Mc Daid Mortgages for expert advice and professional guidance in Northern Ireland and across the UK.
We love helping first time buyers with their mortgage needs. Buying your first home is something you’ll never forget and we want to ensure it’s for all the right reasons. As whole of market mortgage advisers, there’s plenty of mortgages to choose from, but selecting the right mortgage should be a tailored process, ensuring you’re matched with a lender that will meet your requirements.
We begin by listening to your needs and then get to work on your behalf to source mortgages that meet your objectives, before presenting our findings. Once you’re ready to proceed, we’ll submit the application on your behalf and liaise with all the necessary parties involved, to save you time and hassle.

Take the first step to better understanding your mortgage options with a free-initial consultation appointment, which can be carried out face-to-face, over the phone or remotely via Zoom/ Teams.

Our fee structure is simple and transparent. In most cases, our service is completely free, provided you arrange both your mortgage and relevant insurance (like life cover) through us. If you only require mortgage advice, a modest fee of £295 applies—but only upon a successful mortgage offer. There are no hidden costs, and your initial consultation is always free.

Advice you can trust

Taking out a mortgage is usually the biggest financial commitment most of us make, so it’s vital to get advice from an adviser who will take your personal circumstances into account.

At Mc Daid Mortgages, we cut through all of the jargon and find you the most suitable deal out there, based on your personal circumstances and requirements. Through our years of experience, we know there’s often uncertainty and worry, which we hope to alleviate with clear and concise answers.

 

We’re here to help, so please don’t hesitate to get in touch if you have any questions.
house-2368389

How much can you borrow?

As a first time buyer, you will likely have many questions such as;

  • How much can you borrow?
  • What deposit do you need?
  • How much will this cost?
  • What’s the likely time frame?

At Mc Daid mortgages we specialise in helping first time buyers get on the property ladder and can answer all of your questions.

Tailored

Things you should consider

When you’re first entering the mortgage market, things you should think about are:

  • Deposit required
  • Co ownership
  • Property survey
  • Monthly cost
  • Insurance requirements
  • Legal process
We can help with all of these matters, just get in touch with us.

Testimonials

From our happy customers

Taking advice on your first mortgage can help ensure you make the right decisions. We're available to support you, every step of the way!

Get In Touch

    Mc Daid Mortgages will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. How we use your data.

    Follow us on Facebook

    AnonymousAnonymous
    11:37 18 Feb 25
    Recently used Pat to help secure a mortgage for our new home. Lots of bumps along the way which Pat expertly helped navigate us through & get the home we wanted. Couldn’t have done it without Pat. Very easily reachable & always happy to answer the phone to you with any queries. Highly recommend using McDaid mortgages to take away all the stress. Thanks again Pat for your all your help.Jack
    Chris GurneyChris Gurney
    13:28 29 Jan 25
    Patrick was a great help in organising our mortgage. Very quick to reply to any questions or queries I had. Much appreciated.
    M LM L
    16:25 09 Jan 25
    I worked with Patrick for my mortgage..and it was seamless! Patrick was very attentive, explained everything in detail and made sure I understood everything. Nothing was too big of a job, he helped me from the get go - getting my credit score to a stable level, then proceeding through the process of acquiring a house and mortgage. Patrick kept me informed every step of the way, his communication was excellent. I would highly recommend using McDaid's mortgage advisors. Thank you again. Happy new year!
    Jewel CassidyJewel Cassidy
    10:28 10 Oct 24
    As a first-time buyer Patrick was absolutely invaluable, so responsive and accessible. He guided me through every step and was extremely reliable throughout! I would recommend him to anyone.
    Jade GallagherJade Gallagher
    13:13 08 Oct 24
    I cannot recommend Pat enough and would like to say a HUGE thank you for all of his hard work in securing me a mortgage and for guiding me through the purchase step by step. From the very first time I met with Pat, he couldn't have been more helpful. He was always just a message away to clear up queries or concerns, and he always explained things in a way that made the whole process less overwhelming. I will always recommend Pat to anyone I know who is deciding to purchase a house. Thank you again!
    ConalConal
    15:37 25 Sep 24
    I recently used Mc Daid Mortgages to purchase my first home. Patrick was fantastic at finding me the best deal to suit my situation and his expertise and professionalism made everything easy and stress-free. I highly recommend them for anyone needing a reliable mortgage advisor.
    Shane OconnorShane Oconnor
    16:43 23 Aug 24
    Patrick was helpful throughout the process making sure everything was done on time and answering any questions
    Courtney YoungCourtney Young
    20:32 14 Jun 24
    Fantastic throughout the whole home buying process. Supportive and no question seemed too ridiculous to ask.
    natasha higginsnatasha higgins
    10:02 11 Jun 24
    Patrick was so approachable and was great and keeping in touch and providing reassurance when needed. He explained the process step by step. Highly recommend
    David PointonDavid Pointon
    09:19 21 Apr 24
    Pat has helped me for many years now. Firstly, when my self build mortgage came to an end and the then provider literally hung me out to dry. I didn't know where to turn. Pat was recommended and I have truly never looked back.Subsequently I bought some buy to let's and Pat has handled the mortgages on them. Always sound advice! Maybe sometimes, what you don't want to hear, but never the less the safest hands I've ever met where finance is concerned. I thoroughly recommend McDaid Mortgages. I won't go elsewhere!
    RhiannonRhiannon
    16:26 05 Mar 24
    Patrick was brilliant, super quick at completing the DIP through to advising on general queries during the process towards completion.
    GeriGeri
    23:18 19 Feb 24
    Cannot recommend highly enough.Patrick was amazing - the help, guidance and expertise was beyond words.My situation was complex - i was refused a mortgage elsewhere and told by other brokers that there was no point in applying as the result would be the same.I feel so lucky to have came across Mc Daid mortgages and Patrick. His perseverance, knowledge. positive attitude and determination was outstanding. He was patient and completely thorough in all the documentation that he gathered, compiled and presented on my behalf...and he made sure that all the evidence required was organised and presented to the highest standard. He communicated with me throughout the process and did this with kindness answering any questions i may have had and ensuring all documentation was sourced and gathered.I now have a mortgage thanks to Patrick and i am so relieved! With this mortgage comes complete peace of mind and I am so thankful and so grateful to be in this position and it is all due to Patrick. Thank you.
    Adam McCAdam McC
    16:13 24 Nov 23
    Would definitely recommend McDaid Mortgages!! I worked with Pat firstly then Patrick and the process couldn't have been any smoother.As a first time buyer I constantly had questions but Patrick was always available at the end of the phone to clear anything up.Would highly recommend McDaid Mortgages for a professional, knowledgeable and friendly service!
    Paul Mc GinleyPaul Mc Ginley
    10:47 11 Nov 23
    I would highly Recommend Pat and Patrick as they were brilliant at arranging our mortgage for us.Their advice from Day 1 was a massive help and they were very quick and efficient getting things sorted quite quickly.thanks for all your help..Paul and Sharon Mc Ginley.
    Ruaigin KavanaghRuaigin Kavanagh
    06:15 06 Oct 23
    Would definitely recommend McDaid mortgages. Patrick dealt with my remortgage - he was a pleasure to work with, sorted out my mortgage with minimal hassle to me, kept me up to date with progress at each stage - ensured everything ran smoothly from that first phone call to completion. Thanks a million Patrick - will be back looking for a new deal when this one is coming to an end 🙂.
    Hello, we are a Spanish family who had some complications to obtain a mortgage. Today everything is solved thanks to Ryan, a great professional but a better person. Thank you Ryan for fulfilling our dream ? forever grateful to you
    Jess WilsonJess Wilson
    20:56 26 Jun 23
    Ryan was more than helpful in helping us to get the best deal for our new mortgage rates. He was very flexible with his time and great at communicating. Highly recommend?
    Coleen BarrColeen Barr
    10:08 14 Jun 23
    Worked with Ryan to buy the property we have been renting the last couple of years. Ryan was super efficient and helpful. He handled our application with the upmost attention. From the very beginning until completion, Ryan kept in contact with us. He also helped us with any insurances we needed. Thank you very much Ryan - highly recommend!
    Ciara McDermottCiara McDermott
    14:10 23 May 23
    Worked with Patrick to buy the property we have been renting last couple of years over COVID. Patrick was so helpful, gave us lots of information, processed application quickly and kept us up to date throughout the process until we got approval. Thank you very much - highly recommend!!!!
    catherine houtencatherine houten
    13:27 13 May 23
    I can highly recommend Mc Daid Mortgages, having used their services recently to change my mortgage supplier. Pat was knowledgeable, professional and friendly. He kept me informed at each step of the process and was always flexible when it came to meeting. Thanks to Pat and his team, the switch was quick, straight forward and stress free.
    Vincent MccaffertyVincent Mccafferty
    19:26 16 Feb 23
    Pat sorted my mortgage and life insurance would highly recommend.
    d fd f
    16:07 20 Nov 22
    It was great to work with Pat to refix my mortgage. I really appreciated the professional and expert guidance Pat provided, especially during the uncertainty of the current financial climate.Thanks again, Caroline
    Still going through the process but Pat has been so attentive and helpful. He explains the normally baffling process of home ownership in a way that makes sense!
    Kevin BrownKevin Brown
    16:22 03 Jan 18
    Having been dealing with Mc Daid Mortgages and Pat for over 15 years - very personalised, professional and efficient business. Would highly recommend for all insurance, mortgage and financial planning - 5 stars!
    js_loader

    Try Our Mortgage Calculators

    If you’re wondering how much you can borrow or how much your repayments will be each month, we can help. We’ve created specific calculators to help you understand what you can borrow and how much it will cost.

    Get Your Free Credit File

    Sign up and download your free credit file with CheckMyFile. Your credit file will include three different credit searches and is the most comprehensive report available.  Try it FREE for 30 days, then £14.99 a month – cancel online anytime.

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

    As with all insurance policies, conditions and exclusions will apply

    You may have an early repayment charge to your existing lender if you remortgage

    Not all Buy To Let Mortgages are regulated by the Financial Conduct Authority

    Open chat
    Hello, come chat on Whatsapp!