/ Help to buy properties

Help to buy properties (Search +Guide)

Help to buy properties (Search +Guide)

How to find help to buy properties?

Help to buy properties usually can be found on zoopla, right move or what house but they tend to appear first in the inboxes of those signed up to the help to buy developers mailing list.

This means most help to buy properties never make it to Zoopla, right move or what house as they are snapped up by first-time buyers prior to them ever getting listed.

So your best chance of finding cheap help to buy properties would be to sign up with the help to buy developer who is building help to buy properties in your region.

You can also search for help to buy properties directly on the help to buy developers website as not all their properties are put on zoopla etc.

To make this easier for you we have drawn up a guide on the different help to buy developers and you can see where they tend to build their help to buy properties.

You are more likely to receive a notification from a help to buy developer once they receive planning permissions for a block of help to buy properties. This means you will beat the majority of first-time buyers seeking the same help to buy properties to the punch.

Help to buy properties: A guide to Help to buy property developers

The below developers build help to buy properties within London and the surrounding region

  1. Harrow property developers
  2. sanctuary living
  3. Abbey New homes
  4. Altimat property
  5. Aquinna homes
  6. Ashgrove homes
  7. Barrat homes
  8. Be homes
  9. Bellway
    11.Lantana estates
    12.Beverley homes
    13.Bovis homes
    15.Broadway living
    16.Cala homes
    17.Camden Place vilas
    18.Catalyst housing group
    20.Clearview homes
    21.Cornerstone homes
    22.Countryside properties
    23.country and city
    24.Crest Nicholson
    25.Croudace homes
    26.Devine homes
    28.Eco world
    29.The English cities Fund
    32.Greenfield property
    33.Canvas Camberwell
    34.Drayton plance
    35.Grafton Flats
    37.FRT developments
    38.Fruition properties
    39.Galliard homes
    40.Galliford try
    41.Generation homes
    44.Gold property developments
    46.Guiness homes
    47.Hadley Mace
    49.Hamilton court developments
    50.Higgins homes
    52.Howarth homes plc
    53.IDM properties
    54.Inland homes
    55.Inspired homes
    57.IPE developments
    58.Joseph homes
    60.Langham homes
    62.Lend lease
    63.Linden homes
    66.London square
    67.Lovell homes
    68.Macar developments
    69.Mantle developments
    75.Network groups
    76.Newbourne homes
    77.Nicholas King
    78.Notting hill sales
    79.One housing group
    80.Origin housing
    81.Paradigm group
    84.Picfare homes
    85.Pocket living
    86.Port Devon
    87.Property associates
    88.Pure Lake
    90.Redrow homes
    93.SES Lifestyle
    94.Shanly homes
    95.sheen lane
    98.Swan New homes
    99.Taylor Wimpey
    100.Telford homes
    101.Haywoods group
    102.Life less
    105.Ward homes
    106.Waterside places
    107.Wates residential
    108.Westcombe group
    109.Weston homes
    110.Willmott Dixon

Help to buy property search?

See here for the best help to buy property search available.

What is the help to buy equity loan?

The help to buy equity loan is a first-time buyer government scheme which allows more people to get on the property ladder faster and with a smaller mortgage deposit.

The help to buy equity loan gives you up to a 40%(20% if you are outside London) equity loan which is interest free for the first 5 years.

The help to buy equity loan must be paid after 25 years or if you sell the help to buy property prior.

What are the eligibility requirements for a Help to buy property?

  • It must be a UK property

  • It cannot be more than £450,000 outside London and £600,000 within London

  • It cannot be a rental property

What are the help to buy eligibility terms?

You can only use a standard repayment mortgage, you won't be able to use any unique type of mortgage such as a guarantor mortgage or offset mortgage.

You cannot use any other Government schemes with your help to buy scheme aside from a help to buy ISA.

Other government schemes you may be eligible for:

You may also be able to use a host of government schemes to increase your mortgage deposit or reduce your total cost of purchasing a home.

The government schemes you may be able to use include:

  • Lifetime ISA- gives you a government bonus of £1,000 if you save the maximum £4,000 a year.
  • Help to buy ISA- gives a maximum bonus us £3,000 if you save the maximum allowed of £12,000. Before you get either you should consider which is better. Lifetime ISA vs Help to buy ISA.
  • Help to buy equity loan- gives you up to 40% as a 5-year interest-free equity loan. You begin to pay interest at 1.75 % after the fifth year and 1% plus RPI for every year thereafter.
  • Shared ownership- You can buy between 25% to 75% of the property initially with a shared ownership mortgage and then buy more using a staircasing mortgage.
  • Armed forces help to buy- similar to the help to buy equity loan but specific for the armed forces personnel giving them an increased chance of acceptance.
  • Rent to buy- This is the right to buy scheme on which this guide is currently discussing. A different marketing name is just used. Watch out for this when shopping to avoid missing out on eligible properties due to confusion.
  • Right to buy- allows you to buy your home at a discount price.
  • Preserved right to buy- same as above.
  • Right to acquire- same as above.

You may also be able to use a host of mortgages with the help of your family.

They are a certain type of mortgage known as a family springboard mortgage, they include mortgages from lenders such as the Barclays family springboard mortgage, the lloyds lend a hand mortgage or the post office family link mortgage.

Your property ladder plan:

It seems you are past the early stages of planning your property ladder journey as you are searching for help to buy properties.

About Huuti: Huuti builds personalised plans for your money goals.

Our property ladder plan will:

Show you your complete mortgage affordability from a lenders point of view
Show you which private market and government schemes you are eligible for (which save time and money)
Show you how much you need to put away each month and help you build your mortgage deposit
Help build your credit score to improve your affordability
Match you with potential co-buyers to shorten your timeline on to the property ladder
Show you what mortgages you are eligible for, how much they will cost and help you get a mortgage.

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Help to buy properties (Search +Guide)
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