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The Help to Buy Scheme is a very attractive one but can be incredibly complex. When we work with you, we use our experience to help and try to make sure that there are no unpleasant surprises and that it is not at all intimidating.
We will assist you during the whole process, ensuring that you know what is going to happen and when. Always at the end of the phone when you need us, if you need mortgage advice in Harrogateor a deeper understanding of the Help to Buy Scheme, we are here to support you.
Having Harrogatemoneyman working on your behalf is incredibly beneficial when you need a mortgage broker in Harrogate to support you.
We will advise you as to whether or not you can qualify for this scheme. It’s all part of our tailor-made service. Part of the terms and conditions specify that you should not own any other property i.e., you cannot buy a second home with the help of this scheme. Part-exchange and sub-letting is also not allowed.
As your expert mortgage broker in Harrogate, we are able to provide Help to Buy mortgage advice across all schemes. Find out more information about Help to Buy Schemes available to you and the most common Help to Buy mortgage scenarios below.
Mortgages play a crucial role in the home-buying process, through the Help to Buy scheme. This government-supported program is designed to aid first time buyers and existing homeowners by offering various schemes that enhance accessibility to homeownership.
A popular choice is the Shared Ownership scheme, enabling individuals to acquire a share of a property and pay rent on the remaining portion. This option serves as a financially feasible entry point into the realm of homeownership.
For those contemplating a home purchase in Harrogate, it is essential to explore mortgage schemes, especially if saving for a deposit proves challenging. A comprehensive understanding and effective utilization of these schemes empower prospective homeowners to navigate the Harrogate housing market with increased flexibility and financial assistance.
To be eligible for a Help to Buy mortgage in Harrogate, you must meet specific criteria. This includes being a first-time buyer or a homeowner looking to move to a new build, adhering to regional price caps, not owning other properties, and ensuring your credit history is free of overdue payments or issues on credit agreements.
Applying for a Help to Buy scheme involves several steps. Begin by contacting a local Help to Buy agent or visiting the official website. Obtain a mortgage agreement in principle from a participating lender, choose a property within the specified criteria, complete the Help to Buy application form provided by the agent, and final the purchase with your solicitor and mortgage lender.
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4.94 Rating34 Reviews
Zoe
Jason and the team have been amazing, so helpful!
2 months ago
Shannon
Matt from Harrogate money man was so accessible and supportive throughout our journey to get a mortgage. He has been close at hand every step of the way and gave us so much convince in ourselves and our own finances which we didn’t have to begin...
2 months ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
10 months ago
Lydia
They have been excellent! Couldn’t have asked for better help and communication. They were very understanding and have been very patient with us over the last few months.
1 year ago
Sally
I'm really pleased with the service at Harrogatemoneyman and would definitely recommend them. Leo and Jo have been really helpful and supportive throughout the process.
1 year ago
David
Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...
1 year ago
Rebecca
As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...
2 years ago
Maria
Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the best deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us regularly...
2 years ago
John
Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.
2 years ago
Salvatore
Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.
2 years ago
Deanna
Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...
2 years ago
Charlie
Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...
2 years ago
Deanna
Leanne was so friendly and approachable. Extremely helpful.
3 years ago
Laura
Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!
3 years ago
Heather
Polite helpful reassuring conversation. Very helpful.
3 years ago
Richard
Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!
3 years ago
Gregory
First time buyer and the team at Harrogatemoneyman provided a 1st class service from start to finish. Excellent advice really quick service excellent product really cant fault them at all. I highly highly reccomend them just exceptional in everyway....
3 years ago
Alice
Very quick response from Hannah. Very helpful. Highly recommend
3 years ago
Dane
Great service, professional as well as friendly
3 years ago
Paula
Can I say what a great job they have done for us, answered every question when needed and kept me calm through the last few weeks! Great job done! Cannot thank them enough, Thank you Wayne, Jenna and Megan!!
3 years ago
During your free mortgage appointment, your mortgage advisor in Harrogate will go through your mortgage options and discuss the schemes you may be able to access.
Our team will search through 1000s of deals in order to find the most suitable mortgage product for you and your new property.
Hopefully, by now you will have been accepted onto your Help to Buy scheme.
The next step is to prepare your mortgage application and get it ready to send off to the mortgage lender.
We will keep you up-to-date with the progress of your mortgage application throughout the entire process.
Our offerings extend beyond finding the optimal mortgage arrangement for you. We will also offer suggestions for insurance choices to safeguard both you and your loved ones.
As a mortgage broker in Harrogate, we assist clients with all types of mortgages, including those under the Help to Buy Scheme. Once you make contact with us, we will walk you through the whole process, from start to finish.
If you have already found a new home that you want to buy that falls within the remit of the Help to Buy Scheme, we will go through the paperwork with you and even liaise with the home builder or estate agent on your behalf. Not only will we deal with your mortgage but we can also help if you need advice with regard to surveyors or solicitors.
As part of your initial free mortgage consultation, we will go through all of the figures with you so that you know exactly how much you will be paying each month. As your mortgage advisor in Harrogate, we are here to help you. Get in touch with us today and make a date for your free mortgage consultation.
Shared Ownership is a housing scheme that allows individuals to part-buy and part-rent a home. Typically, buyers purchase a share of the property (usually between 25% and 75%) and pay rent on the remaining share. Over time, individuals have the option to buy additional shares in the property, a process known as “staircasing,” ultimately leading to full ownership.
A Lifetime ISA is a type of individual savings account in the United Kingdom designed to help individuals save for their first home or for retirement. It offers a government bonus of 25% on contributions made before the age of 50. Individuals can contribute up to a specified annual limit, and funds can be withdrawn tax-free if used for a qualifying first-time home purchase or after the age of 60 for retirement.
Mortgage Guarantee is a government-backed scheme aimed at helping people with smaller deposits to buy a home. In such schemes, the government provides a guarantee to the mortgage lender, reducing the risk for the lender and making it easier for buyers with smaller deposits to secure a mortgage. This type of scheme is intended to support homebuyers who may otherwise face challenges in accessing the property market due to lower deposit amounts.
Forces Help to Buy is a scheme in the United Kingdom specifically designed to assist armed forces personnel in purchasing a home. It provides interest-free loans to eligible military personnel to help them raise a deposit to buy their first home or move to another property. The loan is repayable over a set period and is intended to make homeownership more accessible for members of the armed forces.
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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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