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Help to Buy

There are two types of help to buy, equity loan and mortgage guarantee.

  1. Help to Buy Equity Loan is where you can borrow up to 20% from the government meaning you provide a 5% deposit and obtain a 75% mortgage.

    The Scheme ends in 2021.
  2. Help to Buy Mortgage Guarantee is useful where you find you are struggling to afford a higher deposit. Under this scheme you can buy a new build property anywhere in the country with a 5% deposit. It works like any mortgage except that under the scheme the government offers lenders the option to purchase a guarantee on the mortgage loan. Due to this, lenders taking part in the scheme will offer more mortgages with higher loan to value ratios of 80% to 95%.

    The Scheme ends on 31st December 2016.

Help To Buy: ISA

Forces Help To Buy

 
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