With everything going on in the world right now, especially in the Middle East, it’s no surprise that a lot of first-time buyers are asking the same question:

“Are mortgages still available?”

The short answer is — yes.

But more importantly, many of the low deposit options are still very much available too.

What Mortgage Options Are Available Right Now?

At the minute, we’re still seeing a strong range of options for first-time buyers, including:

• 5% deposit mortgages

• 10% deposit mortgages

• Co-ownership from as little as 2.5% of the purchase price

• No-deposit options (in the right circumstances — e.g. family support or undervalue purchases)

So despite what you might be hearing in the news, the market is still very much open.

Could This Change?

Yes — and that’s important to understand.

Mortgage rates and lending criteria are always influenced by:

• Global events

• Inflation

• Interest rate decisions

• Economic confidence

So while things are available now, they can change — sometimes quickly.

The Biggest Mistake First-Time Buyers Are Making

The biggest mistake I’m seeing right now is people waiting for everything to feel perfect.

But here’s the reality:

👉 There is always something happening globally
👉 There is always uncertainty in the market

If you wait for perfect conditions, you could be waiting a long time — and potentially miss opportunities that are available right now.

What Should You Do Instead?

Rather than trying to time the market perfectly, focus on what actually matters:

• What you can afford right now

• What options are available to you today

• Whether moving now makes sense for your situation

Because the truth is — opportunities don’t always wait around.

Get Clarity First — Then Decide

If you’re thinking about buying but unsure where you stand, the first step isn’t rushing into anything.

It’s getting clear on your options.

Once you know:

• How much you can borrow

• What your monthly payments look like

• What schemes you qualify for

👉 Then you can make a confident decision — whether that’s moving now or waiting.

Need help figuring it out?

We specialise in helping first-time buyers across Belfast and beyond understand their options — especially low and no deposit routes.

Why not book a free no obligation call for us to work out you numbers and best first steps - BOOK YOUR CALL

Paddy