Help to Buy

Buy with just a 5% deposit

Get moving with the Help to Buy scheme and you could take advantage of a lower deposit plus lower monthly mortgage repayments.

    Benefits

  • You may only need a 5% deposit
  • The Government could lend you up to 20% of the value of your property through an interest free equity loan for the first 5 years
  • So you will only need to secure up to a 75% mortgage from a bank or building society and we can assist with this via an Independent Financial Advisor
  • Competitive interest rates and lower monthly mortgage repayments

Help to Buy calculator

75% Mortgage
cost
£0
20% Government
loan
£0
5% Your
deposit
£0

Figures shown are for illustrative purposes only. Please speak to a Mortgage Adviser for full details. Eligible applicants will be offered an equity loan of up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings and any deposit where required. Applicants must obtain their conventional mortgage from a Qualified Lending Institution. For the first five years there is no fee charged on the equity loan component. At the start of year six a fee is collected of 1.75% of the market value of the property at the time the loan is entered into multiplied by the outstanding percentage under the equity loan, the annual fee of 1.75% will be uplifted by RPI + 1% p.a. The loan must be repaid after 25 years or earlier if you sell your home whereby the repayment sum will reflect up to 20% of the market value of the property at the time the property is sold or re-mortgaged.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

It really couldn't be easier, visit your nearest development to speak to one of our Sales Executives to find out more.

 

Terms & conditions apply. Eligible applicants will be offered an equity loan of up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings and any deposit where required. Applicants must obtain their conventional mortgage from a Qualified Lending Institution. For the first five years there is no fee charged on the equity loan component. At the start of year six a fee is collected of 1.75% of the market value of the property at the time the loan is entered into multiplied by the outstanding percentage under the equity loan, the annual fee of 1.75% will be uplifted by RPI + 1% p.a. The loan must be repaid after 25 years or earlier if you sell your home whereby the repayment sum will reflect up to 20% of the market value of the property at the time the property is sold or remortgaged. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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