Bad Credit Mortgages we offer:

New Build Help to Buy Mortgages

5% Deposit Required.
20% Equity Loan (40% in London).
Missed Payments, Defaults and CCJ’s Accepted.
Low Credit Score Accepted.
Specialist Help to Buy Lenders.

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New Build Help to Buy Mortgages

If you are a First Time Buyer buying a property can seem overwhelming. You will have lots of questions to ask, so below we have detailed common questions we get from clients to help you.


How does the scheme work?

If you have a deposit of 5%, the help to buy equity loan could provide an additional deposit of up to 20% (if the property outside London) or 40% (if the property is located in London), and then you can get a mortgage for the remaining balance.


When do I apply for the Help to Buy scheme?

First of all you need to find a property and make sure you qualify for a mortgage. It is important that your mortgage adviser has got an ‘Agreement In Principle’ in place, so you can be confident that a mortgage is possible.

You need to complete the help to buy application form.

Make sure you complete all the information correctly and answer all the questions. It can take around 2 weeks for your application to be assessed and if any information is wrong you will have to submit a new application. Once accepted the help to buy scheme will issue you an Authority to Proceed (ATP).

With the Authority to Proceed in place you can now apply for the mortgage.

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What to Expect from The Money Hub

We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

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