First Home
A first-time buyer mortgage is a loan designed specifically for individuals who are purchasing their first property. With lower deposit requirements and exclusive deals, these mortgages help you get on the property ladder sooner, even with as little as 5% down.
How It works
You borrow money from a lender to purchase your home and repay it over time with interest. Choose from fixed or tracker rates and find a product that suits your budget. We’re here to make sure you understand every step.
Who Qualifies?
If you’ve never owned a home in the UK or abroad, you likely qualify. You’ll need a deposit, a steady income, and a good credit record, but even if you have unique circumstances, we may still be able to help.
Government Support
In 2025, schemes like First Homes, Shared Ownership, Lifetime ISAs, and the Mortgage Guarantee Scheme can help you buy your first home with a smaller deposit or lower cost. We’ll help you apply and understand which scheme is right for you.
Why Us
At Zelus Mortgage and Finance, our advisers walk you through every step, helping you compare and find the best deals that could save you thousands in the long run, explaining jargon, and handling paperwork. You get expert, independent advice tailored to your financial circumstances.
Start your Journey
Ready to Start Your Journey?
Download your free 2025 First-Time Buyer Mortgage Guide and feel confident about buying your first home. Use our free calculators, or speak with a friendly mortgage adviser today.