Financial Adviser CompareAdd your business
← Back to Belfast
First Time Buyer Mortgages

First Time Buyer Mortgages

5.0(42 reviews)See reviews ↓·Belfast

About the company

First Time Buyer Mortgages Ltd is a mortgage brokerage based in Belfast. The company specialises in mortgages for first-time buyers in Northern Ireland. It has helped over 500 first-time buyers. The team has over 20 years of shared experience in financial services. The company has arranged over £100,000,000 of mortgages in the last 5 years.

Paddy Rice is the founder and owner of First Time Buyer Mortgages Ltd. Kelvin is an adviser at First Time Buyer Mortgages Ltd. First Time Buyer Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. The company offers low deposit mortgages, no deposit options, and Co-Ownership scheme guidance.

What customers say

Based on genuine customer reviews

First-time buyer applications and remortgage switches are the two strands of work that dominate customer accounts of this Belfast brokerage. Paddy Rice and Kelvin Lee are the names that come up most, with reviewers repeatedly describing how each stage of an application was broken into manageable steps, making an unfamiliar process feel straightforward. Prompt, clear answers to questions feature in many accounts, both during a purchase and when existing borrowers return to renew a deal.

A handful of customers describe the patience shown to buyers who had previously hit difficulties, including one who credits Paddy with turning a stalled case around after taking it on midway. Transparent discussion of the costs involved is said to have helped borrowers reach decisions with confidence, while regular updates and a proactive approach to finding competitive rates also draw praise. The friendly, personal manner of both advisers is credited with easing stress through what buyers describe as a lengthy experience, and the well-organised handling leaves clients feeling informed and supported from the first enquiry through to collecting the keys of a new home.

Insurance broker

Reviews

Reviews are taken from publicly available sources.

ML
Megan Loughran14 July 2026

Paddy was great throughout the whole mortgage application and process. He explained everything well, broke it down into simple bite size steps for us, and made it easy for us to switch mortgages across. We cannot wait to get into our new house & can’t thank Paddy enough for all the help & guidance :)

FM
fiona mccreesh10 July 2026

As a first time buyer, the mortgage process was completely new to me, but Paddy made everything so much easier. He took the time to explain every step in a way that was easy to understand, answered all of my questions, and always made me feel at ease. It was a long process to finally get a property, but Paddy was patient, approachable, and incredibly helpful throughout. Nothing ever felt like too much trouble, and his friendly, supportive approach made what could have been a stressful experience feel straightforward from start to finish. I couldn’t recommend Paddy and First Time Buyers highly enough. If you’re looking for someone who is knowledgeable, approachable, and genuinely cares about making the process as straightforward as possible, Paddy is the person to go to.

AM
Aisling M5 July 2026

We recently returned for a remortgage as our 5 yr mortgage was ending and once again, the experience was absolutely flawless. Kelvin made the entire process completely painless from start to finish and was completely transparent about any related costs which massively helped us in making a decision. Whenever we had a question, no matter how small, Kelvin answered it incredibly quickly - highly recommend to anyone looking for a stress-free mortgage experience!

ES
E SCT1 July 2026

Another great experience with Paddy Rice and his team at FTBM. Paddy quickly dealt with my mortgage application, providing clear and jargon free advice throughout. Paddy's communication was top notch and he quickly helped me secure a great deal on my new mortgage. This is my second time working with Paddy and FTBM and I highly recommend them for all your mortgage and insurance needs.

LT
Lyndsey Thompson17 June 2026

Excellent service for first-time buyers. The mortgage process was simple and easy to follow, and we felt guided every step of the way. Friendly, personal, and professional service throughout. Highly recommended.

AM
Aoife Marley16 June 2026

Paddy Rice has been absolutely brilliant! After having some issues with a previous mortgage advisor, Paddy stepped in halfway through the process and completely turned things around for me. He explained everything clearly, was always on hand to answer my questions, and made the whole process so much less stressful. Buying my first home felt overwhelming at times, but Paddy’s support and expertise made it so much easier. I’m incredibly grateful for all his help and would recommend him to anyone looking for a mortgage advisor. Thank you, Paddy!

CM
Conor McGeown15 June 2026

As first-time buyers, we couldn't have asked for a better experience. Paddy Rice made the mortgage process incredibly easy to understand and guided us through every step from start to finish. He was always available to answer questions, explained everything clearly, and kept us updated throughout. His knowledge, professionalism, and friendly approach took a lot of the stress out of buying our first home. We would highly recommend Paddy to anyone looking for mortgage advice, particularly first-time buyers.

Mortgage brokers in Belfast compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Belfast are compared.

RankProviderRatingReviewsOpen Sat.
1The Mortgage Clinic★ 5,0308Yes
2Crawford Mulholland Mortgage Advisors Belfast★ 5,0167No
3The Mortgage Clinic | Ormeau Road | Belfast★ 5,0134Yes
4First Time Buyer Mortgages (this page)★ 5,042Yes
5The Mortgage Shop★ 4,9172No
Contact
+442896944284firsttimebuyer-mortgages.co.uk222 Lisburn Rd, Belfast BT9 6GD
Working hours
Monday09:30–17:30
Tuesday09:30–17:30
Wednesday09:30–17:30
Thursday09:30–20:00
Friday09:30–17:30
Saturday09:00–13:30
SundayClosed