You can get on the housing ladder sooner

With Help to Buy, borrowers only need to find a 5% deposit.

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Smaller deposit but get better mortgage rates

With the Help to Buy scheme, the government puts in 20% and the borrower only has to find a deposit of 5%.

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Borrow interest -free for five years

Or interest-free indefinitely in Scotland. The government portion of the loan is interest-free for five years can be very helpful.

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England

In England, both schemes apply to homes costing up to £600,000.

Northern Ireland

In Northern Ireland there is a different equity loans scheme.

Scotland

In Scotland the maximum threshold depends on the value of the property and when your application is completed.

Wales

In Wales, both schemes apply to homes costing up to £300,000.

Help to Buy Mortgages

Raising a large deposit is being ranked as the number one issue stopping First Time Buyers getting onto the property ladder

With this in mind, the advent of the Help to Buy (HTB) mortgage was created. With a Help to Buy mortgage not only do you need a much smaller deposit (typically 5%) but you will also be armed with a government backed equity loan of the value anywhere up to 20% of the purchase price of the property.

For example. If you are purchasing a brand new home for £200,000, you would only need a £10,000 deposit and have a government backed deposit of up to £40,000. This means a mortgage of only £150,000 would be needed to get your dream property.

This in a lot of cases would be otherwise unattainable but the Help to Buy mortgage allows clients to realise their mortgage dreams without having to pay over the odds for it.

We will help you find the best Help to Buy mortgage from our range of over 12,000 mortgage products. The scheme differs slightly North and South of the border, however, we will help you with the finer details and our expert team will talk you through the process so you are in full control.

Our friendly expert mortgage team will talk you through your options from helping you understand your maximum mortgage amount to assisting you with your Help to Buy application. We will even liaise with the lenders and solicitors on your behalf so you can sit back, relax and let us find the most suitable mortgage product.

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Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.