This is the same type of mortgage you would have if you put down a 10% deposit, but instead you can put down a 5% deposit.

This means the lender will cover the remaining 95% of the mortgage.

‘Help to Buy’ (HTB) is a government-backed scheme that was created to give first-time buyers a more affordable way to get onto the property ladder. It allows you to put down a 5% deposit, with an additional 20% loan provided by the government. This means that you’ll only need a mortgage for 75% of the purchase price.

The 20% loan is interest-free for 5 years and is repayable after 25 years – or earlier if you sell your home.

The new shared ownership model has been one of the main outcomes of the government’s pledge to increase affordable housing across the UK, and, like the Help to Buy is an alternative route to getting on the housing ladder.

Instead of getting a mortgage on the whole property, you buy a share, and then pay a mortgage on that share each month. You pay rent on the rest of the property to your local housing association.

You will typically buy 25% or 50% of the house on this scheme.

We are known as whole of market. This means we have access to every bank and lender.

From first initial appointment to move in day, on average this will take around 2-3 months.

No. Our advice fees are only charged when your re-mortgage goes through, if we can’t help you re-mortgage, you won’t pay us a penny.