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Non New Build

Decision Makers

We get to speak to decision makers within the lenders

Tailored for You

Tailored mortgage products specific to each clients circumstances

Free Advice

Our expert advice is completely free, 7 days a week

First Time Buyers

Buying a house is one of the most important purchases you will make. Buying a home for the first time can be an even more daunting prospect.
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Next Time Buyers

At Mortgage First, our service is designed to save you time and money and as well as finding you the right mortgage.
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House Home Interest Rates (1)
Are you paying too much for your mortgage? Does your current deal not suit your budget or circumstances? Switching your mortgage to a new deal can be one of the best money-saving moves you can make.
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Buy to Lets

buy-to-let mortgage (also known as an investment mortgage) is designed for borrowers who want to let their property out to a third party (i.e. tenants).
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Contact Mortgage First Today And Find Out How We Can Help You


Mortgage Calculators

Mortgage Calculators

Each lender has a different affordability mortgage calculator

Generic calculators are not accurate

One of our trained advisers will give a tailored  affordability result for each client

Not on our website for that reason

Comparison websites don’t take into account it is a new build property

Budget Estimators

Let our trained expert advisers set your budget

Getting your budget right first time is important

Your budget has to be tailored to your own personal circumstances and lifestyle


Comparison Websites

No specific to new build

Don’t clearly know if you fit the lenders lending criteria

Can give a false picture of the potential costs of the mortgage

Some site make a footprint on your credit file when used


The Mortgage Process

Initial qualification by one of our trained advisers 

Initial credit score/agreement in principle with recommended lender  

Reserve new build plot 

Full mortgage application to lender with supporting documents 

Full mortgage approval from lender 

Move in to your new home 

We will make it that simple 

Testimonials next prev

  • On the 6th of October 2014 we took possession of our beautiful new home. As a single mum of 3 busy children the task of getting a home of our own and the ability to get a mortgage was taken over and achieved with the help of ”Mortgage First”. My agent was professional, attentive and clearly cared about helping us to achieve, what seemed to me, to be an impossible task. I could not have done this without their help. I would absolutely recommend “Mortgage first” to anyone who feels they need the worry and stress taken out of getting the right mortgage. We are very much looking forward to our first Christmas in our new home, so a big thank you to John and all the staff at “mortgage First”.

    Kate Rowley

  • 'Mortgage First provided an exceptional service, explaining clearly each step of the process along with sound advice. They were very responsive to questions no matter when the query question was raised. I would recommend their service to anyone.'

    Robert Kirkwood

  • A big thanks to all at Mortgage First. They made purchase of my new Cala home so simple with excellent service from start to finish. Would recommend Mortgage First to anyone looking to purchase a new build home.

    Danielle Lynch

  • My thanks go to Eddie Irvin for his exceptional service and assistance throughout the mortgage process when I purchased my home a few years ago. After several meetings and excessive mortgage arrangement fee quotes with RBS, and not forgetting over 20 years perfect banking terms, Eddie provided me with a mortgage through the Halifax within 30 minutes! A few days later, as he promised the mortgage guarantee arrived – truly staggering after weeks being passed from pillar to post with RBS. I have since referred to very satisfied clients to Eddie Irvin for their mortgage requirements, and currently in the process of my daughter on her first time buy. I would have absolutely no hesitation in recommending the services of Eddie, in terms of lender options, quality of service, value and efficient dealings throughout. You will not be disappointed.

    David McCulloch