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First Time Buyer

Start your Mortgage Journey with

Blue Sky Mortgages


Your first home is finally in sight. With one of the biggest decisions of your life, the process ahead may seem daunting. Don’t worry! Our First Time Buyer mortgage has been designed specifically for customers buying their first home, and we have all the information you need right here. Have any more questions? Our Blue Sky Agents are here to help!



You don’t have to have your deposit saved or all your documents in order to speak to a Blue Sky Advisor. No matter what the query, you can drop in or Make a Mortgage Appointment. We’ll make sure you’re on the right track from the very start.



The most important element of any mortgage application is proving you can make the repayments. Our Mortgage Team can let you know all the necessary paperwork needed from bank statements to payslips, we have a checklist prepared for you to guide you on your way.



Once your deposit is now in place you can apply for a Sanction in Principle. This is where your mortgage is agreed, in principle, based on the information you have provided. You know know exactly what you have to spend on your new home.


First Time Buyer Resource Guide

Things I Need To Know About FTB

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Saving for a deposit

Are you unsure about what you deposit you need to have saved for your new home? As a First Time Buyer you will need a deposit of at least 10%. Get the wheels in motion with Savings advice from Blue Sky.

  • Get into the habit of saving a regular amount to demonstrate your repayment ability

  • Through paying rent and saving the equivalent of your monthly mortgage repayment amount, you can show us that you can pay your proposed mortgage repayment

Use our Mortgage Calculator to check how much you could borrow and how much your monthly repayments would be.

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Searching for your first home

Before you start the process of searching for your first home, chat to one of our mortgage consultants who can give you an idea of how much you can borrow. Book a mortgage appointment today and we’ll guide you through the process and prepare you for your search.

  • Understand how much you could borrow before you start the search

  • Look at some properties to get an idea of the cost of the home that you want

  • Find out what documents you need and we can prepare you for your application.

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Applying for a Mortgage

We’re here to support you with your mortgage application every step of the way.

  • When you’re ready to apply, you will need to provide the documentation outlined here along with your application. Allow 1-2 weeks to gather all the required documentation. Should you require any help with these documents, our mortgage team will guide you through the process during your appointment and talk you through every step of the paperwork. When we receive your application, we will let you know if any documentation is missing or if we require any further information.

  • Once we’ve reviewed and submitted your completed application, we can give you Mortgage Credit Approval in 72 hours.

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Find your home

Once the search for your first home is done, and you’ve found the perfect one for you, let us know.

  • You then need to get your new home valued. Once you submit the valuation, we will issue your Letter of Approval and all the loan information to your solicitor.

  • You will need to arrange Life Insurance and Home Insurance. We can help you with this or you can obtain a policy from another provider if you prefer

  • Once you sign the documents with your solicitor they will arrange a completion date with the house seller and we will transfer the funds and you can then collect the keys to your new home.

For additional support or to start your journey home,

call us on 0818 677 678 or book an appointment today.



Do We Qualify?

Find out what you need to get a mortgage from Blue Sky Mortgages.

The following is a breakdown of what you need to get a mortgage. Click Here

Click below and use our Online Calculator to see how much you could borrow!

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