HELP TO BUY MORTGAGES

Borrow £25,000 to £500,000.
Min 5% Deposit Required.
CCJ's, Defaults and Missed Payments.
Mortgage Arrears and DMP's
Experienced Advisers.

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COMPARE MORTGAGES

Applying for a mortgage can seem daunting. It can sometimes be a complicated and lengthy process and the choices can seem overwhelming and hard to comprehend. We understand and we are here to help you…

At the Money Hub we can advise and help you choose the right mortgage. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your mortgage, giving you a full detailed breakdown along with the lenders details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Help to Buy Mortgages

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Help to Buy Mortgages

Help to buy mortgages were a Government initiative that helped buyers to purchase a property when they only had a 5% deposit. There are a number of help to buy mortgage schemes available that include the following:

Help To Buy Mortgage – Guarantee Scheme

This scheme closed to new applicant son 31st December 2016 but for anyone already on the scheme, the 5% deposit is a requirement. Any property can be purchased and the buyer would own the property outright with no outside influence from the Government. The initial monthly payments would be higher than a standard mortgage due to there being no interest free loan period as with the help to buy equity loan scheme which is only available on new build properties.

Help To Buy – Equity Loan Scheme

As with the help to buy mortgage guarantee scheme, this scheme is also designed for people with a 5% deposit available. The aim by the Government is to get people on the housing ladder and this help to buy mortgage scheme is available only on new build properties. With this scheme the Government lends up to 20 per cent of the price of the property being purchased and repayments will kick in after 5 years to cover the interest on this element of the loan. New build properties under the value of £600,000 qualify for this scheme, with a requirement of a 5% deposit.

The 20% Government loan obviously reduces the initial mortgage repayments significantly. At the end of the mortgage term, or of course if the house is sold then the 20% needs to be repaid to the Government.

Help to buy mortgages are available from most lenders and we have a panel of experts that can consider and advise on your individual position and circumstances as to the most suitable help to buy mortgage scheme is appropriate for you.

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