Progressive Building Society - First Time Buyer Mortgages NI

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Thinking about buying your first home?

Whether it's still just a dream or you're ready to buy your very first home, we can help you get there.

You can talk to Progressive even before you’ve found your new home to find out what you can afford, what deposit you might need, how much your monthly repayments could be and any additional costs.

Why Choose Progressive?

Wondering why you should choose us for mortgage support?

We’re a local lender with 11 branches across Northern Ireland.
We’ll provide you with a dedicated mortgage adviser to help every step of the way.
You can book an appointment online or visit us in branch.
We often hold First Time Buyer Events - check our News page to find out more.
We will assess your affordability and let you know how much you can borrow with us.
We can give you a decision in principle to show sellers you are a serious buyer.
Your support means we can continue to support local communities across Northern Ireland.
You’ll need at least a 5% deposit. If you don’t have a 5% deposit, you may be eligible for our Co-Ownership mortgage.

First Time Buyer Mortgage Products

We offer a range of mortgage products available for first-time buyers:

Fixed and variable rate products between 2-5 years
We offer mortgages for up to 40 years
We offer an Affordability Booster mortgage which helps you buy a home with support from your family, using a minimum deposit of 15%
Co-Ownership mortgage which could be an option where you do not have a deposit
Foreign currency mortgage if you earn in Euros or US Dollars

We also offer a First Home Saver account online or in branch to help you save towards your first home. You can find out more about our savings products here.

If you have a First Home Saver account or if you have a Help to Buy ISA, you may be eligible for an additional cashback. Please book an appointment to find out more.

How to apply?

Book a mortgage appointment with one of our dedicated mortgage advisors using the link at the top of this page. Appointments are available Monday to Saturday via video or telephone.

You can also visit one of our 11 branches for more information or to arrange a face to face appointment.

Eligibility

To borrow with Progressive Building Society, you must be over 18. Whether we provide credit will depend on your circumstances. Lending terms and conditions apply.

Progressive Building Society only lends on properties within Northern Ireland.

Your home may be repossessed if you do not keep up with repayments on your mortgage.