{"id":63,"date":"2024-12-17T13:42:59","date_gmt":"2024-12-17T13:42:59","guid":{"rendered":"https:\/\/www.gibintbank.gi\/?post_type=personal_banking&#038;p=63"},"modified":"2025-09-05T09:27:14","modified_gmt":"2025-09-05T09:27:14","slug":"first-time-buyer-mortgage","status":"publish","type":"personal_banking","link":"https:\/\/www.gibintbank.gi\/personal\/mortgages\/first-time-buyer-mortgage\/","title":{"rendered":"First Time Buyer Mortgage"},"content":{"rendered":"\n<div class=\"banner__wrapper banner__wrapper--has-image banner__wrapper--image-format-3\">\n\t<div class=\"banner__inner\">\n\t\t<div class=\"banner__sections\">\n\t\t\t<div class=\"banner__section banner__section--text\">\n\t\t\t\t<div class=\"banner__text\">\n\n<h1 class=\"wp-block-heading\">First Time Buyer Mortgage<\/h1>\n\n\n\n<p>Taking the first step on the property ladder, we\u2019ve got you covered.<\/p>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"banner__section banner__section--image\">\n\t\t\t\t\t<div class=\"banner__image-wrapper\">\n\t\t\t\t\t\t<div class=\"banner__image-inner\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-Header.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-Header.jpg 1200w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-Header-300x300.jpg 300w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-Header-1024x1024.jpg 1024w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-Header-150x150.jpg 150w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-Header-768x768.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\t\t<div class=\"decorated-image-with-text__outer-wrapper align wp-block-acf-decorated-image-with-text-block\">\n\n<div\n\tclass=\"decorated-image-with-text__wrapper decorated-image-with-text__wrapper--image-format-3\"\n\tstyle=\" \"\n>\n\t<div class=\"decorated-image-with-text__inner\">\n\t\t<div class=\"decorated-image-with-text__sections\">\n\t\t\t<div class=\"decorated-image-with-text__section decorated-image-with-text__section--image\">\n\t\t\t\t<div class=\"decorated-image-with-text__image-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"942\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-1.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-1.jpg 572w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-1-182x300.jpg 182w\" sizes=\"auto, (max-width: 572px) 100vw, 572px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"942\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-2.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-2.jpg 572w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/First-Time-Buyer-2-182x300.jpg 182w\" sizes=\"auto, (max-width: 572px) 100vw, 572px\" \/>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"decorated-image-with-text__section decorated-image-with-text__section--text\">\n\t\t\t\t<div class=\"decorated-image-with-text__text-wrapper\">\n\n<h2 class=\"wp-block-heading\">Buying your first home<\/h2>\n\n\n\n<p>Becoming a homeowner is exciting, but we understand how tricky it can be, our home loan for first-time buyers is designed to make buying your first home a smooth process.&nbsp;<\/p>\n\n\n\n<p>With competitive rates and flexible terms, our mortgage advisors are here to help you every step of the way.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mortgages tailored to your needs&nbsp;<\/li>\n\n\n\n<li>Quick turnaround<\/li>\n\n\n\n<li>Experienced and qualified mortgage officers and relationship managers<\/li>\n<\/ul>\n\n<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t<\/div>\n\n\n\n\t\t<div class=\"icon-and-text-grid__outer-wrapper align wp-block-acf-icon-and-text-grid-block has-background has-custom-color-f-background-color\">\n\n<div class=\"icon-and-text-grid__wrapper icon-and-text-grid__wrapper--has-intro-item\">\n\t<div class=\"icon-and-text-grid__inner\">\n\t\t<div class=\"icon-and-text-grid__items\">\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t\t<div class=\"icon-and-text-grid__item-content\">\n\n<h2 class=\"wp-block-heading\">Why choose our first time buyer mortgage<\/h2>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t<div class=\"icon-and-text-grid__icon-image-wrapper icon-and-text-grid__icon-image-wrapper--house-percent\"><img decoding=\"async\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/themes\/gibraltar-international-bank\/images\/icons\/default\/house-percent.svg\" alt=\"House (%)\" class=\"icon-and-text-grid__icon-image\" \/><\/div>\t<div class=\"icon-and-text-grid__item-content\">\n\n<h3 class=\"wp-block-heading\">Borrowing<\/h3>\n\n\n\n<p>We offer up to 90% borrowing available (subject to qualifying properties, valuation, and affordability).<\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t<div class=\"icon-and-text-grid__icon-image-wrapper icon-and-text-grid__icon-image-wrapper--clock\"><img decoding=\"async\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/themes\/gibraltar-international-bank\/images\/icons\/default\/clock.svg\" alt=\"Clock\" class=\"icon-and-text-grid__icon-image\" \/><\/div>\t<div class=\"icon-and-text-grid__item-content\">\n\n<h3 class=\"wp-block-heading\">No penalties*<\/h3>\n\n\n\n<p>You won\u2019t receive any early repayment penalties, so you can pay your mortgage when it suits you.&nbsp;<\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>*For variable rate mortgages<\/em><\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t<div class=\"icon-and-text-grid__icon-image-wrapper icon-and-text-grid__icon-image-wrapper--calendar\"><img decoding=\"async\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/themes\/gibraltar-international-bank\/images\/icons\/default\/calendar.svg\" alt=\"Calendar\" class=\"icon-and-text-grid__icon-image\" \/><\/div>\t<div class=\"icon-and-text-grid__item-content\">\n\n<h3 class=\"wp-block-heading\">Flexible facilities<\/h3>\n\n\n\n<p>We consider Capital and Interest as well as Interest Only mortgages with a suitable repayment plan.<\/p>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\t<\/div>\n\n\n\n        <div class=\"timeline__outer-wrapper align wp-block-acf-timeline-block\">\n\n<div class=\"timeline__wrapper timeline__wrapper--reduce-bottom-space\">\n\t<div class=\"timeline__inner\">\n\n\n\n<div class=\"timeline__text\">\n\n<h2 class=\"wp-block-heading\">Application process<\/h2>\n\n\n\n<p>Designed to be as straightforward as possible, here\u2019s how the application process works:&nbsp;<\/p>\n\n<\/div>\n\n\n\n\n\n\n<div class=\"timeline__items-wrapper\">\n\t<div class=\"timeline__items\">\n\n\n\n<div class=\"timeline__item\">\n\t<div class=\"timeline__item-content\">\n\n<h3 class=\"wp-block-heading\">1. Initial consultation<\/h3>\n\n\n\n<p>Speak to our team about your needs and determine the most suitable financing option<\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"timeline__item\">\n\t<div class=\"timeline__item-content\">\n\n<h3 class=\"wp-block-heading\">2. Documentation<\/h3>\n\n\n\n<p>We\u2019ll guide you through the documentation you\u2019ll need depending on the type of loan and your business structure.<\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"timeline__item\">\n\t<div class=\"timeline__item-content\">\n\n<h3 class=\"wp-block-heading\">3. Approval &amp; funding<\/h3>\n\n\n\n<p>Once your application is complete, we\u2019ll review and finalise the terms, and provide a clear timeline for approval and funding.<\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"timeline__item\">\n\t<div class=\"timeline__item-content\">\n\n<p><strong>Apply today by getting in touch via email or mobile.&nbsp;<\/strong><\/p>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n    <\/div>\n\n\n\n\n\t\t<div class=\"block__outer-wrapper align wp-block-acf-faqs-block\">\n\n<div class=\"block__wrapper faqs__wrapper\">\n\n\t<div class=\"faqs__inner\">\n\n\n\n<div class=\"block__outer-wrapper align wp-block-acf-faqs-block-left\">\n    \n    <div class=\"left\">\n\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n\n<p>Everything you need to know about first-time buyer mortgages.<\/p>\n\n<\/div>\n\n    <\/div>\n\n    <\/div>\n\n\n\n\n\n\n\t\t<div class=\"block__outer-wrapper align wp-block-acf-faqs-block-right\">\n\n<div class=\"right\">\n\n\t<div class=\"accordion_items\">\n\n\n\n<div class=\"accordion_items__item\">\n\n\n<button class=\"header\" tabindex=\"0\">\n    <div class=\"header__content\">\n\n<h3 class=\"wp-block-heading\">What documents do you need for a first-time buyer mortgage?<\/h3>\n\n<\/div>\n    <svg class=\"open\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M3.00012 3.25843L16.9995 17.2578L31.2581 2.99917\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n    <svg class=\"close\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M 31.118643,11.09596 H 4.1186704\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n<\/button>\n\n\n\n\n\n<div class=\"body\">\n\n<p>To apply for a First-Time Buyer Mortgage with Velantis Trust International Bank, you\u2019ll need:<\/p>\n\n\n\n<p>&#8211; Proof of income (payslips from the last 3 months, employment contract, or tax returns).<br>&#8211; A valid ID (passport, driving licence, or Civilian Registration Card).<br>&#8211; Property details (purchase agreement and property address).<br>&#8211; 6 months\u2019 bank statements for all active accounts.<br>&#8211; Proof of savings (e.g., bank statements showing savings).<\/p>\n\n\n\n<p>Apply in person at our branch at Ince\u2019s House, 310 Main Street, Velantis Trust GX11 1AA, or call <strong>phone: +1 608 352 9866<\/strong> to schedule an appointment.<\/p>\n\n\n\n<p>For more details, visit <strong><a href=\"\/mortgages\/first-time-buyer\">www.gibintbank.gi\/mortgages\/first-time-buyer<\/a><\/strong>.<\/p>\n\n<\/div>\n\n\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion_items__item\">\n\n\n<button class=\"header\" tabindex=\"0\">\n    <div class=\"header__content\">\n\n<h3 class=\"wp-block-heading\">Can I apply with a guarantor?<\/h3>\n\n<\/div>\n    <svg class=\"open\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M3.00012 3.25843L16.9995 17.2578L31.2581 2.99917\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n    <svg class=\"close\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M 31.118643,11.09596 H 4.1186704\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n<\/button>\n\n\n\n\n\n<div class=\"body\">\n\n<p>Yes, you can apply for a First-Time Buyer Mortgage with a guarantor at Velantis Trust International Bank. A guarantor (e.g., a parent or close relative) must provide proof of income (payslips from the last 3 months) and a valid ID (passport or driving licence) to cover your mortgage payments if you\u2019re unable to.<\/p>\n\n\n\n<p>For more details, contact our Mortgage advisors on phone: +1 608 352 9866 to arrange an appointment.<\/p>\n\n<\/div>\n\n\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion_items__item\">\n\n\n<button class=\"header\" tabindex=\"0\">\n    <div class=\"header__content\">\n\n<h3 class=\"wp-block-heading\">Who is eligible for a first-time mortgage?<\/h3>\n\n<\/div>\n    <svg class=\"open\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M3.00012 3.25843L16.9995 17.2578L31.2581 2.99917\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n    <svg class=\"close\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M 31.118643,11.09596 H 4.1186704\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n<\/button>\n\n\n\n\n\n<div class=\"body\">\n\n<p>First-Time Buyer Mortgages with Velantis Trust International Bank are available to individuals or couples who have never owned a property before.<\/p>\n\n\n\n<p>You must be a Velantis Trust resident and have a Velantis Trust-based income source.<\/p>\n\n<\/div>\n\n\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion_items__item\">\n\n\n<button class=\"header\" tabindex=\"0\">\n    <div class=\"header__content\">\n\n<h3 class=\"wp-block-heading\">Can I apply for a first-time buyer mortgage online?<\/h3>\n\n<\/div>\n    <svg class=\"open\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M3.00012 3.25843L16.9995 17.2578L31.2581 2.99917\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n    <svg class=\"close\" width=\"35\" height=\"22\" viewBox=\"0 0 35 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path d=\"M 31.118643,11.09596 H 4.1186704\" stroke=\"#D80429\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n    <\/svg>\n<\/button>\n\n\n\n\n\n<div class=\"body\">\n\n<p>Unfortunately, you cannot yet apply for a First-Time Buyer Mortgage online with Velantis Trust International Bank.<\/p>\n\n\n\n<p>Contact us to speak to one of our Mortgage advisors on phone: +1 608 352 9866 or send an email to <a href=\"mailto:contact@velantistrust.com\">contact@velantistrust.com<\/a> to schedule an appointment.<\/p>\n\n<\/div>\n\n\n<\/div>\n\n\n<\/div>\n\n<\/div>\n\n\t<\/div>\n\n\n<\/div>\n\n<\/div>\n\n\t<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Taking the first step on the property ladder, we\u2019ve got you covered.<\/p>\n","protected":false},"parent":37,"menu_order":0,"template":"","page_type":[],"class_list":["post-63","personal_banking","type-personal_banking","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>First-time buyer mortgages | Velantis Trust International<\/title>\n<meta name=\"description\" content=\"Starting your next chapter as a homeowner? 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