Want to know more about Help to Buy Mortgages? Read our hub to find the information you need
No impact on credit score
Help to Buy is a government scheme that can help you get onto the property ladder with just 5% deposit via an equity loan that’s interest-free for five years. The initiative has now entered its third phase and will be available to first-time buyers until March 2023.
If you’re applying for a mortgage through Help to Buy, take a look through our articles below before you apply. They will bring you up to speed about how the scheme works, how to compare mortgage deals through it and finding the right Help to Buy mortgage broker.
The place to start for a full overview of the Help to Buy scheme and guidance on getting the best mortgage deals through it.
How to get a mortgage through Help to Buy if you have bad credit and where to find a broker who specialises in this.
How to compare Help to Buy mortgage deals across the whole market and why online rates tables should be taken with a pinch of salt.
Find out how mortgage lenders assess affordability if you’re applying for a mortgage through the latest version of the Help to Buy scheme.
Try our online calculator tool to find out how much you could potentially borrow on a mortgage taken out through the Help to Buy scheme.
Information about the old Help to Buy scheme which ran until 2016 and has since been replaced by other initiatives for people with low deposits.
Find out which lenders offer mortgages through the Help to Buy scheme, what criteria they use and how to get the best deals from them.
A guide to Help to Buy mortgages in Wales, including how the scheme differs from the English version and how to get the best deals through it.
A complete overview of the Help to Buy scheme in Scotland, including how it works, how it differs from the rest of the UK and more.
How to use the Help to Buy scheme more than once, including when this is possible, the implications of doing so and more.
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*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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