First Time Buyers
Get In TouchA new home creates new memories
Are you buying your first home in Belfast or beyond? Let us make your first step onto the property ladder as simple as possible.
Buying your first home is an exciting but daunting process. Without the proper advice or guidance, it’s easy to feel overwhelmed by the wealth of mortgage information available to new buyers. Our free first-time buyer consultation will streamline the process, explain the jargon and advise you on your maximum borrowing capacity and the deposit required, so that you can start to explore properties within your budget.
But what makes a good candidate for a first-time buyer mortgage? Meeting the criteria below will boost your credit rating and make you more attractive to mortgage lenders:
- Three lines of credit going to your current address, e.g. bank account, phone contract, credit card
- Evidence of savings or repayment capacity, e.g. paying rent or saving on a monthly basis
- Access to credit, but utilising no more than 30%
- Good credit history, no missed payments, no payday loans and being registered to vote.
Your home may be repossessed if you do not keep up repayments on your mortgage.
1
Three lines of credit going to your current address, e.g. bank account, phone contract, credit card.
2
Evidence of savings or repayment capacity, e.g. paying rent or saving on a monthly basis.
3
Access to credit, but utilising no more than 30%.
4
Good credit history, no missed payments, no payday loans and being registered to vote.
A few months ago, we met with William from Crawford Mulholland to discuss the financial steps needed to buy our first home. He was fantastic from start to finish and gave expert advice and took care of everything for us, right through to sorting our insurances. Couldn’t recommend this guy enough, he really went above and beyond.
Eve Cairns
Get In TouchThe Mortgage Process
At Crawford Mulholland, we believe that everyone deserves professional and reliable advice when it comes to finding the right mortgage, especially first-time buyers.
We don’t just find you the cheapest mortgage, but also find you the deal that is best suited to your circumstances, employment situation and whatever your future may hold.
Once you’ve found your dream home, we will guide you through the mortgage process, one step at a time, helping with all of the major decisions from applying for your mortgage to liaising with solicitors, estate agents and insurance brokers.
Get In Touch Today
Would you like to take your first steps towards your dream home? Contact us today for a free initial appointment, and get personalised answers to questions including:
In just a few minutes, we can go through your details over the phone and give you an indication of which mortgage is right for you and the documents you will need to gather in advance.
Get In TouchRead the Reviews
Read the reviews from our First Time Buyer customers to see what their experiences were like.
First Time Buyers
Emily Spence
We recently used Crawford Mulholland to buy our first house and cannot recommend them enough! Sonya was amazing and helped us every step of the way. Great communication, very professional and friendly. Would highly recommend to anyone and especially first time buyers!
First Time Buyers
Gavin Fitzpatrick
Mark helped me and my fiance out in getting our mortgage for our first home. As first-time homebuyers, the process sounded complicated, but Mark’s expertise and guidance were invaluable. He sorted absolutely everything for us, it was the easiest part of the whole process! His dedication to finding us the best deal possible and his commitment to ensuring we understood each step of the process made us feel confident and at ease. Mark went above and beyond, demonstrating professionalism and a personal touch that was greatly appreciated. We couldn’t have asked for a better advisor, and we highly recommend Crawford Mulholland to anyone looking for financial guidance and services. Thanks to Mark and the whole team!
First Time Buyers
Laura Campbell
I would strongly recommend Crawford Mulholland to anyone looking to get a first time mortgage. Daniel made the entire mortgage application process so effortless and easy to understand.
He was extremely knowledgeable and gave great advice. The teams communication was also excellent and they kept me up to date at all stages of the process. The entire process was quick and easy due to Daniel and Abbie’s help. Thank you!
First Time Buyers
Peter McCarthy
I could not recommend Crawford Mulholland highly enough. Sam helped us get our first mortgage and he made the whole process completely effortless for us. He was professional, friendly and extremely knowledgeable. His communication was also excellent and he kept is up to date at all stages of the process. He got us a great deal at a tough time and helped us secure our first home. Couldn’t be happier with the service we got and wouldn’t hesitate to recommend to anyone.
First Time Buyers
Peter Orr
Would highly recommend Crawford Mulholland. With being first time buyers it was initially a daunting process, but from our first call with Daniel the support and guidance he gave us put us right at ease. He was extremely responsive to any queries we had and helped us to understand the decision making process towards securing our first home. Thanks Daniel for all your help!
First Time Buyers
Tim Potter
Daniel was very helpful when purchasing my first property. He got back to me promptly and made the experience painless and easy. I’d highly recommend this service to any first time buyers.