
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!
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.

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.

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
Get Your Free First Time Buyer Brochure
Filled with all our incredible 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 free to download and provides 10 essential tips that every first time buyer needs to know about!
Enter your details below for your free copy!

Testimonials
From our happy customers
“Would highly recommend pat for help getting a mortgage,did everything start to finish and a gent to boot!thanks again pat .. see you in 2yrs time”-Karen O’ Donnell
“As a first time buyer & someone who hadn’t the first clue about mortgages, Pat walked me through the whole process which felt seamless, giving expert & tailored advice to what I was looking for. I was able to buy my first home for myself & my daughter as a result & the process was completed pretty quickly. Pat was very professional & was able to give me advice on everything related to buying your first home (& things that was possibly outside of his remit). I was made feel very comfortable & surprisingly was quite relaxed about the whole process for something that I’m told by other buyers is quite stressful. Pat kept me updated the whole way throughout. I would highly recommend Pat for any buyer out there, whether first time or not. Thanks Pat, you’re a star!”– Christine Wade
“Pat has been amazing throughout the whole mortgage application process and gone out of his way to help us out. 100% recommended to anyone needing his services. Thank you Pat.”–Karla Gomes Amaral
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.
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They took the time to explain all of my options in detail, answered every question I had, and made sure I felt confident throughout the entire process.
Thanks to Patrick, I was able to find a mortgage that fits my needs and budget. Great service
Jack
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!
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.
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 and Sharon Mc Ginley.
Thanks again, Caroline
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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