Help to Buy

Help to Buy

Our normal first-class advice service is also available if you wish to use a Help to Buy scheme and will include help to source the right option for you and help to complete the documentation required.
retirement consultation

Equity Loan

The Government lends you up to 20% (or 40% for buyers in London boroughs) of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% (55% in London) mortgage to make up the rest.

You won’t be charged loan fees on the Equity Loan for the first five years of owning your home.

Equity loans are available to first time buyers as well as homeowners looking to move. The home you want to buy must be newly built with a price tag of up to £600,000.

Contact us to find the best mortgage for your situation and how an Equity Loan can be used to help you: mortgages@jfinance.co.uk or 01635 521300

agent explaining retirement plan

Shared Ownership

If you can’t quite afford the mortgage on 100% of a home, Shared Ownership offers you the chance to buy a share of a home (between 25% and 75% of the home’s value) and pay rent on the remaining share. In the future, you could buy bigger shares when you can afford to.
You could buy a home through Help to Buy: Shared Ownership in England if:
  • Your household earns £80,000 a year or less outside London, or your household earns £90,000 a year or less in London
  • You are a first-time buyer, you used to own a home but can’t afford to buy one now or are an existing shared owner looking to move.
Contact us to find the best mortgage for your situation and how Shared Ownership can be used to help you: mortgages@jfinance.co.uk or 01635 521300
If neither option is for you, find out about other Government Backed Schemes that could help you click here: https://www.ownyourhome.gov.uk/. 

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