First time buyer?
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As a first-time buyer, finding the right mortgage can feel overwhelming. That’s why NFP makes it simple, with clear options, trusted guidance, and support from application to approval.
Why choose NFP for your first mortgage?
We believe that mortgage advice should go beyond simply recommending a lender or product. Our specialists take the time to understand your goals and guide you through every step, staying by your side from start to finish. We’re not just your broker – we’re your trusted mortgage partner.
What to expect from our first-time mortgage specialists:
Specialist guidance: Our mortgage team work with you to find the best deal tailored to your specific needs.
Access to top lenders: We compare offers from Ireland’s leading banks and lenders, so you don’t have to.
Stress-free process: From paperwork to approval, we handle the details, allowing you to enjoy the journey.
300+ five-star Google reviews: clients across Ireland rate NFP for clear advice, great service and a smooth mortgage experience
Your first time buyer mortgage journey: step by step
Here’s what to expect when you apply for a mortgage with NFP:
- Start with a chat: We’ll get to know your goals, explain how mortgages work, and help you understand what you can afford
- Get your documents ready: We’ll guide you through what’s needed, like payslips, bank statements and ID, so your application is smooth from the start.
- Secure approval in principle (AIP):This gives you a clear idea of your budget and shows sellers you’re serious.
- Find your home: Once you’ve found the right property, we’ll help you to secure your mortgage offer.
- Submit your full application: We’ll package your application and liaise with lenders on your behalf, saving you time and hassle.
- Get your mortgage offer: Once approved, we’ll walk you through the offer and next steps including organising mortgage protection.
- Sign and close: Your solicitor will help you sign contracts and finalise the purchase. We’ll stay in touch just in case you need us!
My partner and I had a fantastic experience working with Ross and Goda at NFP. They were always incredibly supportive and responsive. We felt guided and reassured at every step of the mortgage process, with clear communication and genuine honesty throughout. We're really grateful for their help and would 100% recommend them to anyone navigating the home-buying journey.
A first time buyer is someone who has never taken out a mortgage loan in Ireland or abroad, does not currently own a property, and will live in the home as their main residence.
You can typically borrow up to four times your gross annual income, with a maximum loan-to-value (LTV) of 90%. That means you’ll need a minimum deposit of 10%, which can come from savings, gifts, or the Help to Buy scheme.
You’ll need bank statements, payslips, proof of identity, and a completed application. If you’re self-employed, you’ll also need additional documents like tax returns and business accounts.
An AIP is a lender’s initial indication of how much they’re willing to lend you. It’s not a formal offer, but it helps you set a budget and shows sellers you’re serious. It’s usually valid for six months.
Yes. The Help to Buy scheme and the First Home Scheme are available to eligible buyers. These can help with your deposit or bridge the gap between your mortgage and the property price.
A mortgage broker like NFP can compare offers from multiple lenders, help with paperwork, and guide you through the entire process. We’re not tied to any one bank, so our advice is impartial and tailored to your needs.
You’ll need to budget for legal fees, valuation costs, stamp duty, and home insurance. Your mortgage advisor will help you understand these and plan accordingly.
No. We’re paid by the lender, not by you.