First-Time Buyer Mortgages

Buying your first home is one of the biggest financial decisions you’ll ever make. It’s exciting, but it can also feel daunting when faced with mortgages, legal terms, and a process that’s completely new. At Elite Intl Real Estate, we specialise in making the journey simple, clear, and stress-free — especially when it comes to securing the right mortgage.

Who Qualifies as a First-Time Buyer?

You’re considered a first-time buyer if:

▪️You’ve never owned a property in the UK or abroad

▪️You’re buying your first residential property to live in (not a buy-to-let)

▪️You’re not adding your name to an existing property (such as a spouse’s home)

First-time buyers benefit from certain government incentives such as Stamp Duty relief (subject to thresholds), making it even more important to get the right advice from the start.

How Elite Intl Can Help You

Securing a mortgage as a first-time buyer doesn’t have to be stressful. Through our network of regulated mortgage brokers, who are FCA-registered, we can:

▪️Access whole-of-market deals, not just those offered by high-street banks

▪️Find lenders who are open to smaller deposits (as little as 5–10%)

▪️Explain the pros and cons of fixed, tracker, and variable rates in plain English

▪️Help you understand how affordability is assessed (income, debts, credit score)

▪️Support with specialist mortgages if you’re self-employed, on variable income, or using a government scheme

What Information Do You Need to Apply?

When applying for a first-time buyer mortgage, you’ll need:

▪️Proof of identity (passport or driving licence)

▪️Proof of address (utility bills, council tax)

▪️Bank statements (usually 3–6 months)

▪️Payslips or proof of income (P60, self-employed accounts, SA302 if applicable)

▪️Details of your deposit and where it’s from (savings, gift, Lifetime ISA)

▪️A good credit history (our brokers can advise on improvements if needed)

Our regulated broker will go through everything with you step by step, ensuring nothing is missed.

Free Hand-Holding Service

We know how overwhelming the process can feel. That’s why we offer a free hand-holding service for all first-time buyers. From your first mortgage conversation to the day you pick up your keys, we’re here to guide you.

▪️Any question you have — no matter how small — we’re on hand to answer

▪️We’ll keep you informed at every stage of the process

▪️You’ll always have someone to call when you need clarity

Do You Have to Buy Through Elite?

Not at all. You don’t have to buy a property through Elite to take advantage of our first-time buyer mortgage services. Whether you’ve found a home with another agent, or are still searching, we’re here to help you secure the right finance.

Our aim is to make your first home purchase as smooth as possible, regardless of who lists the property.

Why Work With Us?

▪️FCA-registered brokers – fully regulated and compliant

▪️Whole-of-market access – giving you the best chance of securing the right mortgage

▪️Personalised advice – tailored to your situation, not a one-size-fits-all solution

▪️Community-focused – we pride ourselves on building long-term relationships with our clients

Ready to Start Your Journey?

If you’re a first-time buyer looking for expert mortgage advice and a helping hand, we’re here for you.

Call us on 0330 113 5535 or info@eliteintlrealestate.com or simply use the form below to contact us today.

At Elite Intl Real Estate, we’ll make sure your first home purchase is clear, simple, and stress-free.