First Time Buyers
Our expert mortgage advisors will help you to find a mortgage that's right for you. We will advise you on the following key issues:
How much you can borrow
How much of a deposit you will need
Fixed and Variable rates
Flexible overpayments during a fixed term
Loan to income (LTI) exemption availability
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Frequently Asked Questions
The maximum Loan to Value mortgage is 90% of the value of the property.
No. A First time buyer can only purchase a property in which they intend to live in.
A variable-rate allows you to increase your repayments, use a lump sum to pay off all or part of your mortgage or re-mortgage without having to pay any fixed-rate breakage fees. However, because variable rates can rise and fall, your mortgage repayments can go up or down during the term of your loan.
A First Time Buyer can avail of the Help to Buy scheme when purchasing a new build property or when building a new self-build property.
With a fixed-rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.
Certain lenders allow overpayments or lump sum payments whilst on a fixed rate.