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Advice on Help to Buy

If you’re struggling to collect a deposit in order to qualify for a mortgage, the Help to Buy option may be for you. With as little as 5% deposit, this government-backed scheme could allow you to receive up to 20% of your property value from the council. The Help to Buy scheme is available to you whether you are a first time buyer or an existing home owner, and you could get the financial boost that you need in order to take your next step with our expert advisers.

How does Help to Buy work?

New Build

If you are looking to buy a new build property, you could be eligible for the Help to Buy scheme. Combining both your 5% deposit and the government’s 20% equity loan, you will be handing over 25% of the property value, meaning you will receive much better offers from lenders.

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Do's & Don'ts

There are a few things to bear in mind if you are thinking of going forward with a Help to Buy mortgage. You will not be able to rent out your new property, nor can you own another home at the time of purchase.

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Southern Mortgages

Lending with big names

When it comes to finding the right Help to Buy deal for you, having access to whole of market and a huge collection of lenders allows us to give you an extra boost when you are trying to take your first step onto the property ladder.

Not quite what you’re looking for?

Right to Buy

First Time Buyer

Shared Ownership

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Questions about Help to Buy

The Help to Buy process is never straight forward, so don’t worry if you still have some questions to ask. Take a look at our handy FAQs and, if you can’t find what you’re looking for, give us a call today.

Unfortunately not, as building companies are unable to accept existing homes as a part exchange deal. If you’re unsure what to do next regarding your deposit, give us a call today and see how we can help.

Yes, all Help to Buy schemes incur Stamp Duty fees. The good news is that, if you are a first time buyer, you are exempt from these fees as a result of recent changes to the law.

Lenders only offer repayment options on Help to Buy schemes, to ensure payments are received. You can pay off the loan at any time within a 25 year limit, unless you sell your house first, in which case you will need to repay the loan when you sell.

Get your Help to Buy mortgage

Speak to one of our advisers today and see how we can help you with a stress-free mortgage.

Call us now on

01702 746811