Are you a first time buyer looking to get onto the property ladder?

Once you have found the property you want to buy, then you are faced with the choice of mortgage deals and other things to consider when looking for a mortgage which can be baffling. With interest rates at record lows, do you go for a tracker, or is it best to have some certainty with a fixed-rate product?

Our aim is to offer a exceptionally high comprehensive service designed to save our clients time and hopefully money. We provide you with a complete package from doing the original mortgage, mortgage protection, buildings & contents insurance to getting you a competitive rate on your conveyancing fees.

We have helped many first time buyers to get onto the property ladder, we can also help you to. Our exceptionally high standard of service means we get recommended by our clients to their family, friends and work colleagues.

So click here for us to find the right deal for you.

 

Help to Buy Schemes

With more and more lenders signing up to the government-backed initiative aimed at helping people buy a home, now maybe a good time to buy. You can now purchase a home with as little as 5% deposit for both existing and first time buyers.

How Does the Help to Buy Scheme Actually Work

Option 1 – Equity Loan

With Help to Buy: Equity Loan:

• The Government will lend you up to 20% of the value of your property through an equity loan, which can be repaid at anytime or on the sale of your home
• You will need to contribute at least 5% of the property price as a deposit
• So you will only need to secure up to a 75% mortgage from a bank or building society
• Available to first time buyers and homeowners looking to move
• Only available on new build properties
• Maximum house purchase £600,000

Option 2 – Mortgage Guarantee

The Help to Buy: Mortgage Guarantee scheme has closed to new loans as of 31 December 2016 as planned.

If you already have a mortgage through the Help to Buy: Mortgage Guarantee scheme, see more here.

Why is this for me?

I only have a small deposit, but I can afford repayments on a 80-95% mortgage and I want a new build or older home, or I want to re-mortgage with a new lender to get a better deal.

For these products terms & conditions apply see www.helptobuy.gov.uk for further information.

Please be aware that by clicking onto the above links you are leaving the H S Financial Solutions website. Please note that neither H S Financial Solutions or First Complete Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.