First Time Buyer Mortgages Belfast
Last Updated: 5th September 2025
Buying your first home is one of the most exciting milestones of your life – but it can also feel overwhelming. From deposits and affordability checks to choosing between hundreds of different mortgage products, it’s easy to feel lost in the process. That’s where AIMS NI, your trusted mortgage brokers in Belfast and across Northern Ireland, can help.
We specialise in supporting first-time buyers just like you. Our award-winning, independent advisors take the stress out of securing your first mortgage, guiding you every step of the way – from your very first consultation to getting the keys in your hand.
Why Choosing the right first time buyer Mortgage matters
As a first-time buyer, the mortgage you choose will shape your finances for years to come. The wrong deal could mean higher repayments, hidden fees, or restrictive terms. But with the right mortgage in place, you’ll:
- Save money with lower monthly repayments
- Secure terms that fit your lifestyle and budget
- Gain peace of mind knowing you’ve chosen wisely
The challenge? Every lender has different criteria, and banks often only promote their own products. That’s why independent advice is crucial. At AIMS NI, we search the whole mortgage market to make sure you get the right first-time buyer mortgage for your circumstances
How AIMS NI Helps First Time Buyers
We understand that buying your first home can feel daunting. Our role is to simplify the process and give you the confidence to make informed decisions.
With AIMS NI, you’ll get:
- Step-by-step guidance from your first chat to mortgage approval
- Clear explanations of all the jargon in plain English
- Personalised advice from professional advisors across Northern Ireland
- Flexible appointments in your home, over the phone, or online at a time that suits you
Our goal is to take the stress off your shoulders, so you can focus on the excitement of buying your first home.
First Time Buyer Mortgage Options Available
There’s no “one-size-fits-all” mortgage for first-time buyers. We’ll help you explore the best options, such as:
- Fixed-rate mortgages – ideal if you want the security of knowing your monthly payments won’t change.
- Variable-rate mortgages – where payments can rise or fall depending on interest rates.
- Low deposit mortgages – for buyers with as little as 5–10% saved.
- Government-backed schemes – including shared ownership and NI-specific initiatives designed to help first-time buyers.
- Specialist mortgages – for those with complex income or previous credit challenges.
Whatever your situation, we’ll find the solution that helps you take that all-important first step onto the property ladder.
Benefits of Using AIMS NI for First Time Buyer Mortgages
Choosing AIMS NI gives you advantages that banks and comparison sites simply can’t match:
- Whole-of-market access – we compare 5,000+ mortgages from 20+ lenders.
- Independent advice – we work for you, not the banks.
- Award-winning service – trusted by homeowners across NI since 2003.
- Tailored solutions – even if you’ve been declined elsewhere, we may be able to help.
With us, you’ll always know that the advice you’re getting is impartial, personalised, and focused on securing the best possible outcome for your first home.
Common Challenges for First Time Buyers (and How We Solve Them)
Many first-time buyers face hurdles along the way. At AIMS NI, we’ve seen it all – and we know how to overcome them:
- Struggling to save a deposit? We’ll advise on lenders with low-deposit options and government support schemes.
- Worried about affordability checks? We’ll help present your application in the best possible way.
- Confused by fees and hidden costs? We’ll break everything down clearly so there are no surprises.
- Limited credit history or previous credit issues? Our whole-of-market access means we may find solutions where others can’t.
Your Mortgage Journey with AIMS NI
Here’s what you can expect when you choose us for your first-time buyer mortgage:
- Free, no-obligation consultation – talk to one of our friendly advisors.
- Tailored mortgage advice – based on your income, deposit, and goals.
- Application support – we’ll handle the paperwork and deal with lenders on your behalf.
- Guidance at every step – from valuation to mortgage offer to completion.
- Ongoing support – even after you move in, we’ll be here if you need us.
We make your mortgage journey smooth, transparent, and stress-free.
Start Your First Home Journey Today
At AIMS NI, we’ve been helping first-time buyers across Northern Ireland secure their dream homes since 2003. With professional advisors throughout Belfast and beyond, we’re here to make your mortgage journey simple, stress-free, and successful.
contact us for a free, no-obligation chat with one of our friendly consultants – and take the first step towards your new home.
First Time Buyer FAQs
In Northern Ireland, most lenders require at least a 5–10% deposit. The more you can save, the better the deals available.
It depends on your income, expenses, and credit profile. Generally, lenders offer between 4–4.5 times your annual income, though this varies.
Yes. While it may limit your options, our whole-of-market access means we can explore specialist lenders that consider applicants with previous credit issues.
Yes – schemes such as shared ownership and co-ownership options exist to make buying more affordable. We’ll explain what’s available and whether you qualify.
It varies by lender, but with our support the process is usually much faster. We’ll help keep things moving and avoid unnecessary delays.
Mortgage Brokers Belfast
Disclaimer
A MORTGAGE IS A LOAN SECURED AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
