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Help to Buy is a government scheme that helps you purchase a home. They are government backed schemes called shared ownership and equity loan.
The schemes above are available on specific properties.
If you are unable to afford a mortgage on the whole of a property then shared ownership allows you to purchase a portion of the property. You would then be required to pay rent for the share of the property that you don’t own. You are then able to purchase larger shares of the property when it is affordable to do so.
You are able to buy specific Help 2 Buy new properties or resales of existing H2 B properties through from housing associations.
Our mortgage brokers will be able to help you work out how much you could afford to borrow.
An Equity loan is a government backed scheme that allows you to borrow up to 20% of the purchase price of a new build property and 40% if you are in London .. The builder of the home would have to part of the Help To Buy scheme.
You do not pay any interest on the equity loan for the first 5 years after which you would start paying the interest. It is only the interest that is payable so the equity loan would not decrease although it can be partly or fully paid off when it is affordable for you to do so.
Our mortage brokers will be able to help you work out how much you could afford to borrow.
Super helpful and friendly with offering mortgage advice and I really felt he understood our situation. Everything was very smooth and efficient. I also really appreciated being able to speak to him in the evenings rather than only be available in office hours. Would use again and highly recommend.
Gave fantastic service and found not only a great mortgage deal, solicitor and life insurance policy for us but was always on hand to support throughout our house sale and purchase. T horoughly recommend his service 5 stars will definitely use again.
Was incredible and found us the best deal out there! Wouldnt hesitate to recommend to anyone
Meeting Ryan has been a breath of fresh air and such a simple process. We had complicated circumstances with being self employed amongst a few other things but within a couple of weeks we had a suitable mortgage offer and the week after the application was in process. Ryan has been incredibly efficient in every way and i can't thank him enough.
I received a top notch service from these guys. Ryan was relaxed but on the ball with everything and was able to assist me throughout the process. He was approachable by email and phone, the communications were really very good
Helped us out so much in finding the right mortgage for us and navigated us through the whole process easily and smoothly in what wasn't a straight forward mortgage situation. Super friendly, easy to get on with and above all, knowledgable