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 Touch