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First-Time Buyer Mortgage Advice
Take your first step onto the property ladder with clear, no-fee advice from experienced mortgage brokers.
30+ Years’ Experience
Nationwide Service
First Home,
Made Simpler
Your first mortgage is a major financial decision. Between saving a deposit, understanding what you may be able to borrow, preparing paperwork and comparing mortgage options, it can be difficult to know where to begin.
At Covermore, we make the process clearer from the outset.
We help you understand your position, prepare for the steps ahead and move from early planning through to mortgage approval and completion with greater confidence.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
Your first-time buyer journey
Understand where you stand
We begin by looking at your income, savings, employment, regular commitments, deposit and plans for buying a home.
Get clear on your borrowing options
We help you understand what you may be able to borrow and the factors lenders are likely to consider.
Prepare for approval in principle
Before you start seriously viewing properties, we guide you through the documents and information you may need to prepare.
Compare suitable mortgage options
We explain mortgage rates, terms, repayments and key considerations in straightforward language, helping you understand the options available.
Move towards approval and completion
Once you find the right property, we support you through the next stages of the mortgage process and help you stay clear on what happens next.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
How Covermore helps first-time buyers
At Covermore, we believe good advice starts with a proper conversation. We take the time to understand your life, your concerns, your goals and what you already have in place.
Then we help you identify what may need attention now, what can wait, and what your next smart financial decision should be.
Financial planning should not feel intimidating.
No-fee mortgage consultations
You can speak to Covermore about your first mortgage without worrying about consultation fees.
Clear, plain-English support
Mortgage terminology can feel confusing when it is all new. We explain the process clearly, so you understand what is happening and what decisions may be needed.
Guidance before you are ready to apply
A mortgage is only part of your financial picture. We also help you consider protection, savings, family needs and your longer-term financial plans.
Support from start to finish
We help you prepare, apply, review your options and move through the mortgage journey with clearer guidance.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
First-time buyer advice based on your situation
Buying your first home is exciting, but there is a lot to consider.
We take the time to understand your circumstances, explain your options clearly and guide you through every stage of the mortgage process.
I am saving for my first home
We can help you understand what lenders may look for and what you may need to prepare while building your deposit.
I have a deposit but do not know what happens next
We can explain your likely next steps, including approval in principle, documents and mortgage options.
I am ready to begin my application
We help you prepare your application and understand the mortgage options available to you.
I am buying with a partner
We can help you understand how your combined income, savings, financial commitments and protection needs may fit together.
I am self-employed
Self-employed applicants may need to provide different information to lenders. We can help you understand what may be required and how to prepare.
I am not sure whether I am ready yet
That is completely normal. A conversation with a mortgage broker can help you understand your position and identify the next sensible step.
What to prepare before a mortgage review
It can be useful to have a general understanding of:
Your income and employment position
Your current savings and expected deposit
Any loans, credit commitments or regular outgoings
Your preferred property budget
Whether you are buying alone or with someone else
Your expected buying timeline
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Not sure what financial step to take next?
Do Covermore charge a fee for business financial consultations?
Covermore provides no-fee financial consultations. We will explain clearly how the process works before you make any decision.
Can I speak to a mortgage broker before I have a deposit?
Yes. Speaking to a mortgage broker early can help you understand what lenders may look for and what practical steps you may need to take while saving.
What documents do I need for a first-time buyer mortgage?
The documents needed can vary, but may include identification, proof of income, bank statements, savings details and employment information. We can guide you through what may be required.
What is approval in principle?
Approval in principle is an indication of how much a lender may be prepared to lend, subject to full assessment, property details and lender terms and conditions. It is not final mortgage approval.
Can self-employed first-time buyers get a mortgage?
Self-employed applicants may be able to apply for a mortgage, although lender requirements can differ. We can help you understand what information may be needed.
Do I need mortgage protection as a first-time buyer?
Mortgage protection is commonly required when taking out a mortgage. We can explain how it works and whether other protection may also be worth considering.
Do you only help first-time buyers in Dublin?
No. Covermore is based in Dublin and works with business owners nationwide.