What is the full mortgage process for a first time buyer?

Most first time buyers follow a similar path from planning your budget through to getting the keys. Here’s what to expect at each stage.

Step 3: Submit a full mortgage application

After your offer is accepted, a full mortgage application is submitted to the lender. You will normally need to provide documents such as: Proof of income (payslips, P60, or accounts if self-employed). Proof of ID and address. Recent bank statements. If the initial checks are satisfactory, the application usually moves to an “approved subject to valuation” stage.

Step 6: Your solicitor completes the legal work

Your solicitor will carry out legal checks such as verifying ownership, reviewing the contract, and completing any necessary searches. They will also liaise with the seller’s solicitor and your lender to keep everything moving.

Still unsure where to start?

Every first time buyer’s situation is different. The best lender, deposit level, and product will depend on your income, outgoings, and future plans. Speak to one of our mortgage advisers for free, no-obligation advice and a clear plan tailored to you.

FAQ'S For First Time Buyers

First Time Buyer FAQ'S

A clear guide to frequently asked questions

Get an Agreement in Principle How much can I borrow?

Your home may be repossessed if you do not keep up repayments on your mortgage

First Time Buyer mortgage FAQs

Buying your first home can feel overwhelming — especially if you’re unsure how the process works or what to expect at each stage.

Our mortgage brokers help first time buyers across Northern Ireland every day. Below, we’ve answered some of the most common questions we’re asked.

If you don’t see your question here, get in touch and we’ll be happy to help.

How much can I borrow?

Tell us a bit about your income and outgoings to get a quick idea of your maximum loan.

Try the affordability calculator

How much will it cost?

See what your monthly payments could look like at different rates and terms, tailored to you.

Estimate monthly repayments

Decision in Principle

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First Time Buyer FAQ'S

First Time Buyer mortgage FAQs

How much can I borrow?

How much will it cost?

Decision in Principle

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The Cost of Buying a House

95% Mortgages in Northern Ireland