First Time Buyer Mortgages is an FCA-regulated mortgage broker based in Belfast, BT9 6GD, specialising in First Time Buyers, Residential. Rated 5/5 from 20 reviews.
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Meet our experienced team of mortgage professionals
Marianna Mooney
17 Feb 2026Paddy is amazing. He’s been there for me from the first start of me hoping to get my own place, over 4 years ago, to now when I could actually do it. So helpful, clear and just no-nonsense. I would recommend him to anyone, and have done already to my mates! My case was also tricky at the end, with the value being changed by the seller. Paddy gave me fantastic advice and helped me above and beyond. Thank you.
Aaron Quinn
4 Feb 2026Paddy is an outstanding mortgage advisor. He is very helpful, informative and goes out of his way to support his clients. I have used him twice and each time he has provided an excellent service and I will continue to use him in the future.
noel sharkey
30 Jan 2026Absolutely fantastic service from start to finish. Guided us smoothly along the process and kept in contact with us throughout the whole mortgage application. Paddy was really friendly and easy to deal with and made us feel relaxed and in control every step of the way and also provided us with excellent advice. Would highly recommend paddy and the team at first time buyers mortgages.
Laura Philomena Magill
27 Jan 2026Thank goodness for Paddy during the process of buying a house. He made the mortgage side of things so clear, answered all our queries (there was a lot) and was really easy to talk to! Would recommend for any buyer, especially first time buyers like ourselves!
Sarah Flannagan
22 Dec 2025Great experience. Paddy was patient and helpful even with the millions of questions we had! Nothing was too much trouble. Quick and easy mortgage application and offer. Thanks again!
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
Blockchain technology could significantly transform the UK homebuying process, potentially saving the average person around £8,000 over a lifetime of property transactions.
Major UK lenders including Halifax Intermediaries and TSB are reducing mortgage rates, potentially saving first-time buyers hundreds of pounds annually. This comes amidst a gradual recovery in the mortgage market.
As of April 2026, the UK base rate stands at 3.75%, impacting first-time buyers. A guide by Mortgage Chain Ltd offers advice on navigating this high-rate environment.
February s stronger-than-expected 0.5% GDP growth could impact the UK mortgage market. A potential base rate decrease could lead to significant savings for first-time buyers and remortgagers.
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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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