Buy Your First Home With Confidence.
Backed By 20+ Years' Experience, We'll Help You Avoid Costly Mistakes and Find the Right Mortgage.
Buy Your First Home With Confidence.
Backed By 20+ Years' Experience, We'll Help You Avoid Costly Mistakes and Find the Right Mortgage.
Friendly, no pressure guidance for first-time buyers across Northern Ireland. We’ll support you every step of the way ...even after you get the keys.
Message us on WhatsApp and we’ll happily help.
Book a Complimentary Call For Expert Mortgage Guidance and Advice for First-Time Buyers.
"Get a Clear, Step-By-Step Plan to Secure Your First Home: Expert Guidance to Reduce Stress & Improve Approval Chances"
Buying your first home shouldn’t be overwhelming. You need the right expert advice you can trust. 20+ Years' Experience of helping First Time Buyers - Without any of the sales pitch nonsense.
Our complete mortgage guidance service gives you clarity on your borrowing power, strengthens your mortgage application, and helps you find the most suitable mortgage deal available.
Your First Home, Made Simple: Step-by-Step Support for First-Time Buyers
Your First Home, Made Simple:
Step-by-Step Support for First-Time Buyers
Step 1: Your Complimentary, No-Obligation Mortgage Consultation
We start with a short 10-minute phone chat with one of Laura’s team to understand your situation and answer any initial questions.
Then we arrange your 30–60 minute complimentary consultation to break down exactly how much you can borrow:
How deposits and credit scores impact your mortgage options.
How to avoid common mistakes that could hurt your chances of approval.
You’ll leave the call with clarity, knowing exactly where you stand.
Step 2: Your Tailored Mortgage Strategy
Once we’ve assessed your financial position, we create a step-by-step plan to strengthen your mortgage application.
We match you with the most suitable lenders for your situation
...helping you avoid unnecessary credit checks that could lower your score.
Step 3: Full Market Mortgage Guidance
Unlike banks that only offer their own products, we work from a comprehensive panel of lenders, representative of the whole market.
This means you'll get access to a far wider range of lenders and deals.
We compare rates and terms on your behalf, so you can make confident, informed decisions about your mortgage and future.
Step 4: Application & Approval Support
We guide you through the entire mortgage application process.
Helping you submit everything correctly to avoid delays or rejections..
With insider knowledge of lender criteria, we ensure your application is presented in the strongest possible way - giving you the best chance of approval and saving you time, stress, and setbacks.
Step 5: Ongoing Support Until You Get the Keys
From offer acceptance to mortgage approval and beyond:
We’re with you every step of the way.
We provide clear updates, manage the process, and ensure you’re fully informed
...So you always know what’s happening, avoid the stress of going it alone, and avoid feeling lost or overwhelmed.
You can then focus on the excitement of your first home.
From the Desk of:
Laura Lewis
CeMap | CeRER |
Qualified Mortgage Advisor |
20 + Years' Experience
The biggest problem first-time buyers face? A confusing, overwhelming mortgage process that leaves them unsure where to start.
With so much conflicting advice from banks, estate agents, well-meaning family members and out-dated online sources, it’s no surprise many buyers feel lost.
They don’t know how much they can borrow, they fear being rejected by lenders, and they worry about making mistakes that could delay things and cost them their dream home.
The reality? It’s not your fault.
Mortgage approvals aren’t just about income and deposit size.
There are hidden lender criteria that most buyers don’t even know exist.
Banks only offer their own products, and applying to the wrong lender could affect your credit score, making future approvals even harder.
That’s where I come in.
I provide mortgage advice based on over 20 years' experience, guiding first-time buyers through the entire process with a clear, step-by-step strategy.
No sales pitches what-so-ever. No jargon. Just expert guidance in everyday terms, to help you:
Know exactly how much you can borrow before you start house hunting
Position yourself for mortgage approval by choosing the right lender from the start
Get access to very competitive mortgage deals from a panel of lenders representing the whole market, giving you more choice than any one bank could offer.
Avoid costly mistakes that could delay or block your mortgage approval.
Navigate the home-buying process with confidence, from consultation to completion.
This isn’t about guesswork or hoping for the best.
It’s about a proven, structured approach that helps first-time buyers get mortgage-ready with clarity and confidence.
Want to secure your first home the right way?
Book your complimentary mortgage consultation today.
"We Take The Confusion Out Of Buying Your First Home & Build A Clear Mortgage Plan For You And Your Future."
You don’t have to figure it all out on your own.
Mortgage approvals, lender criteria, credit scores, and affordability rules can be overwhelming.
But that’s exactly where we step in.
Having worked with countless first-time buyers, we know exactly what works and what doesn’t.
When you work with us, you’ll have access to a proven, step-by-step process that removes uncertainty and helps you secure the right mortgage for your situation.
You could spend hours researching online, trying to decipher conflicting advice from banks, estate agents, and well-meaning family members, hoping you’re making the right choices.
Or you could shortcut the entire process by working with an expert who knows how to:
Identify the most suitable mortgage options from a panel that represents the whole market of lenders and deals, not just one bank’s products.
Structure your application to align with lender criteria to avoid unnecessary credit checks, protect your credit score, and increase your chances of approval first time.
Guide you through every stage, from consultation to completion, ensuring a smooth, stress-free journey.
This isn’t just about getting a mortgage.
It’s about securing your first home and protecting your future in the right way.
With confidence, with clarity, and with the support of an expert by your side.
But Don't Just Take Our Word For It....
Execution Case Studies
Craig’s Journey: From Renting in Belfast to Owning His First Home
Craig was renting in Belfast, paying £575 per month, unsure if he could afford to buy his own home.
His biggest worries?
“Do I have enough deposit?”
“Can I even get approved?”
“What if interest rates rise before I’m ready?”
The result?
We secured a mortgage for him that reduced his monthly payments to
£485/month.
Saving him money compared to renting at the time.
He avoided unnecessary credit checks, as we helped him apply to the right lenders, protecting his credit score.
He went from feeling unsure to owning his first home — with complete confidence and clarity.
Craig said:
"Laura (Lewis) is absolutely brilliant. I have been renting for ages and I was completely clueless when it came to buying a property. Laura was there every step of the way and explained things so well. When I needed to call her, she was always able to help and kept me updated!"
How A Newly Self-Employed Buyer Found the Right Lender & Secured a Competitive Mortgage. Saving Thousands at the Time.
A newly self-employed nail technician assumed she wouldn’t qualify for a mortgage because she only had one year of accounts.
Her biggest worries?
“I don’t have a standard payslip, will banks reject me?”
“I don’t want to waste time applying if I’ll be turned down.”
“Most lenders ask for two years of accounts. How will I get approved?”
The result?
We found a specialist lender who worked with self-employed buyers and accepted one year of accounts.
Rather than waiting another year, I presented her financial situation clearly, demonstrating her business’s growth potential.
At the time, she secured a mortgage deal that saved her thousands compared to other options she had explored.
She avoided unnecessary delays and got onto the property ladder much sooner than she expected — without the stress.
She said:
"Laura was just great with helping me and my partner go through the process of buying our first home. It’s such a daunting experience, but Laura talked us through everything. She was always quick to respond to emails or calls — I couldn’t recommend Laura enough!"
Are you in a similar situation?
I can help.
Book a complimentary consultation today and let’s chat about your mortgage options!
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
"Secure Your First Home With A Proven, Stress-Free Mortgage Process!"
Buying your first home shouldn’t be overwhelming.
Get expert mortgage advice that simplifies the process and helps you make informed decisions. I take the guesswork out of getting a mortgage, guiding you step-by-step so you can submit a strong application with confidence.
Know exactly how much you can borrow before you start house hunting
Ensure your application is placed with the right lenders to avoid unnecessary credit checks
Access competitive a huge amount of mortgage deals. (Not just one bank’s products)
Get expert support at every stage, from consultation to completion and beyond.
Book your complimentary mortgage consultation today and take the first step towards owning your first home!
"Get Clear, Expert Mortgage Advice
& Secure Your First Home With Confidence"
"Get Clear, Independent Mortgage Advice & Secure Your First Home With Confidence"
Stop second-guessing and start moving forward.
I provide expert mortgage guidance with over 20 years' experience, helping first-time buyers understand exactly how much they can borrow, avoid costly mistakes, and find a competitive mortgage deal that suits their needs.
All without any unnecessary stress or sales nonsense.
The First-Time Buyer Mortgage Roadmap
1: Understanding Your Mortgage Options
Your journey starts with a complementary consultation, where we break down how much you can borrow, what deposit you need, and how your credit score affects your mortgage options.
You'll also find out other key information, such as lender criteria and affordability rules.
By the end of the session, you’ll have total clarity on your next steps, ensuring you can move forward with confidence and avoid unnecessary delays.
2: Building A Winning Mortgage Strategy
We create bespoke and tailored plans to strengthen your mortgage application by finding the right lenders for you and your situation.
This helps you avoid unnecessary credit checks
that could affect your score and ensures you're financially prepared before applying.
We also guide you on ways to improve your financial position.
So you’re in the best possible position to secure your mortgage.
3: Finding the Right
Mortgage Deal
Unlike banks that only offer their own products, we search a comprehensive panel of lenders, representative of the whole market.
Giving you far more choice to find a
competitive mortgage deal tailored to your needs.
Every lender has different criteria, so choosing the right one can make a big difference in the rates, terms, and borrowing options available to you.
Whatever you need, we guide you to the
most suitable mortgage. So you don’t miss out on a better deal for you and your circumstances.
4: Application, Approval
& Long-Term Support
We manage the entire mortgage application process, ensuring everything is submitted correctly to reduce the risk of delays or rejections.
From lender acceptance to getting the keys, we provide expert support at every stage.
So you’re never left feeling lost or alone in this.
Our help doesn’t end when you move in.
We offer ongoing support, mortgage reviews, and financial advice to ensure you stay on a the best deal for you, for years to come.
Frequently Asked Questions:
Who is Laura, and why does she specialise in first-time buyers?
Laura is a mortgage and protection specialist who supports all types of buyers, not just first-time buyers.
She works from a comprehensive panel of lenders, representative of the whole market, which means she can search a wide range of options to find what’s most suitable for each client.
That said, she has a real passion for helping first-time buyers, because she knows how overwhelming the process can feel.
As both a caring professional and a mother, she finds it incredibly rewarding to guide people toward their dream of homeownership with clarity and confidence.
Can Laura help with mortgages for home movers, remortgages, and buy-to-let properties?
Absolutely! While Laura loves helping first-time buyers, she also arranges home mover mortgages, remortgages, buy-to-let loans, and specialist lending. No matter your situation, she provides expert advice to find the most suitable mortgage for you.
How do I know how much I can borrow?
Your borrowing amount depends on your income, financial commitments, credit score, and lender criteria.
In a first complimentary consultation, Laura can assess your financial situation, explain how affordability works, and give you a clear idea of how much you can borrow before you start house hunting.
Do I need a big deposit to get a mortgage?
Not necessarily! Some lenders offer low-deposit mortgages, and first-time buyer schemes may help you get on the property ladder with a smaller deposit. Laura will explore all available options and find the best solution based on your circumstances.
What if I have a low credit score? Can I still get a mortgage?
Yes, but it may depend on the severity of your credit issues and the lender’s criteria.
Some lenders specialise in helping people with lower credit scores.
Laura will assess your situation, recommend ways to improve your credit if needed, and find a lender that best suits your profile.
Can Laura help me protect my income and home?
Yes! As a protection specialist, Laura can advise you on income protection, life insurance, and critical illness cover, ensuring you and your home are financially secure if anything unexpected happens.
How does Laura find the best mortgage deal for me?
Unlike banks that only offer their own products, Laura searches the entire mortgage market to find a competitive mortgage deal tailored to your situation.
She compares rates, terms, and lender criteria to ensure you get the most suitable mortgage for your needs.
Will applying for a mortgage hurt my credit score?
Applying to multiple lenders at once could harm your credit score, but Laura ensures this doesn’t happen by matching you with the right lender from the start.
This way, you only apply where you're likely to be approved, protecting your credit score.
What fees should I expect when buying a home?
Buying a home comes with additional costs beyond the deposit.
You may need to budget for mortgage fees, solicitor fees, valuation fees, and stamp duty (if applicable).
Laura will break down all potential costs upfront, so you know exactly what to expect.
How do I get started?
The first step is to book a complimentary mortgage consultation.
Laura will discuss your options, answer your questions, and provide a clear plan to move forward with confidence.
There’s no obligation to move forward in any way.
It's all about expert guidance to help you take the next step towards owning your own first home.
A fee may be charged for mortgage advice, depending on your circumstances. Typically, this will range from £0 to £495, with the average fee being £195. The exact amount will depend on the complexity of the mortgage application and will be discussed and agreed with you at the earliest opportunity.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Laura Lewis Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office Address:
Opus House, 137 York Road, Belfast, Northern Ireland, BT15 3GZ.
Trading Address:
Suite 125, The Kelvin, 17-25 College Square East, Belfast BT1 6DH
Company Registration number - NI709006
Registered in - Northern Ireland
© Copyright 2025 Laura Lewis Financial Ltd. All rights reserved. Reproduction or duplication of this website or contents is strictly prohibited.