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Help to buy mortgage advice

Helping you get on the property ladder

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We will handle all the necessary paperwork and manage your entire mortgage application, to remove the stress and hassle from you!



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Help to buy mortgages

If you are considering using help to buy to purchase your new home, you're in the right place! CLS' expert mortgage advisors are well-versed in how to ensure that you get the best possible mortgage deal through the scheme. Contact us today for personalised, unbiased help to buy mortgage advice.

So what is Help to buy and how does it work? Help to buy is a UK government scheme which aims to help people who are struggling to buy a home to get on the property ladder. There are two parts to the scheme; shared ownership and equity loan.

Shared ownership: Enables you to buy shares (between 25% and 75%) of a new or existing help to buy property. You will need to pay rent on the remaining portion. However, when you can afford to, you can buy additional shares, until you eventually own your home in its entirety.

Equity loan: With Help to buy new (builds) homes, the government lends up to 20% towards the purchase cost, meaning you only need a 5% cash deposit and a 75% mortgage to buy your new home. If you are looking to buy a property in the wider London area, the percentage the government will lend you increases to 40%. However, the property must cost no more than £600,000.

If you are interested in the help to buy scheme or want to check your eligibility, our expert mortgage advisors are here to help. They are available 7 days a week to meet or chat with you, and will tell you how much you can afford to borrow and which mortgage product best suits your needs.

Information correct as of June 2019 - Source: https://www.helptobuy.gov.uk/

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