Government help to buy schemes are designed to make it more affordable for people to own their own homes. We’re here to advise you on the best option and help you get on the property ladder.

Help To Buy Equity Loans

Equity Loan (2021-2023) closed to new applications on 31 October 2022, this is to help homebuyers complete on their purchase before the scheme ends on 31st March 2023.

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Shared Ownership

If you can’t quite afford the mortgage on 100% of a home, help to Buy: Shared Ownership gives you the opportunity to buy a share of you home usually between 25% and 75% of the home’s value, then pay rent on the remaining share. In time, you could buy bigger shares, when you can afford to.

You could buy a home through Help to Buy: Shared Ownership in England if:

Your household income is less than £80,000 per year outside London, or less than £90,000 a year in London.
You are a first-time buyer, used to own a home but can’t afford one now or you are an existing shared owner looking to move.
You can buy a new build or an existing one through resale programmes from the housing association.

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Help to Buy Isa

You can no longer open a Help to Buy Isa.

If you already have a Help to Buy Isa

You can pay in up to £200 each month. you can pay into the Isa until November 2029 and claim the bonus until November 2030.

The Government will boost your savings by 25% when you buy your first home. So, for every £200 you save you would receive a government bonus on £50. The maximum government bonus you could receive is £3,000.

Available to each first-time buyer (not household)
Save up to £200 per month into your Help to Buy Isa (in your first month you can deposit a lump sum of up to £1,200)
The Governments minimum bonus is £400, meaning you would need to have saved a minimum of £1,600 before you can claim the bonus.

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Book a free, no-obligation mortgage appointment

If you would like more information about the different Help to Buy schemes, call 01772 846147 or arrange an appointment using our online diary.

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A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Help To Buy