Help to Buy Mortgages in Brighton

Thanks to the government’s Help to Buy Schemes, you may be eligible to get onto the property ladder with as little as a 5% deposit. As a mortgage broker in Brighton, we can inform you about all the different schemes available and check your eligibility.

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Find out whether the Help to Buy Equity Loan Scheme could help you buy a new build home in Brighton.

You can take out a Help to Buy Equity Loan from the government for up to 20% of the purchase price of a new build property in Brighton.

You'll only need to put down at least 5% deposit from your own savings or a gifted deposit. If the builder is contributing towards the deposit that’s also acceptable, but this needs to be in addition to your 5%.

If your equity loan is equivalent to 20% of the value of your property, the Government essentially owns 20% of your home until you repay the loan.

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How do I pay off my Help to Buy Equity Loan in Brighton?

You do not make any payments on the equity loan for 5 years and if you want to avoid fees accruing then you would look to pay it off at that time from savings and/or a remortgage.

As a responsive mortgage broker in Brighton we have helped many customers throughout their mortgage process, by utilising the Help to Buy Scheme in Brighton.

If you would like to speak with one of our mortgage advisors in Brighton. Book yourself for a free mortgage appointment online, our team will guide you throughout the entire process.

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Help to Buy FAQs

How much deposit do I need for a Help to Buy mortgage in Brighton?

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A minimum of a 5% deposit is required for the Help to Buy Equity Loan Scheme, although, you can increase this amount up to 20% if you have the savings to do so.

We tend to find, the higher the deposit that's you put down, the less the government will need to lend you to make up the 25% overall deposit.

Who can access the Help to Buy Equity Loan scheme?

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You must be a first time buyer in Brighton to be able to access the Help to Buy Equity Loan Scheme.

Can I use scheme on any property?

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No, the Help to Buy Equity Loan scheme is restricted to new builds only and the builder must be registered for Help to Buy.

The maximum property price is capped depending on the property's location. The cap is based on 1.5x the average property price in the region.

How do I pay back the Help to Buy Equity Loan?

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You can pay back the equity loan at any time in the first 5 years without incurring any penalties or additional charges.

During the first 5 years, the equity loan will be interest-free.

If you do not manage to pay it off within this time frame, you will start receiving interest on the remaining amount, starting at 1.75%.

Are the Help to Buy mortgage rates good?

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Help to Buy mortgage rates will vary depending on what sort of deal that you are looking for.

Since the deposit is 25% including the government’s loan this means you will be looking at a lower rate of interest than say if you were putting down 10% on a standard (not new build) home.

Why use a mortgage broker in Brighton?

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With the help of our mortgage advisor in Brighton, they can answer any mortgage-related questions you have.

We also provide expert mortgage advice in Brighton across all the different schemes available.

Book your free mortgage appointment online today to see how a mortgage advisor in Brighton checks your eligibility and help you get into the property ladder.

8 Reasons to choose UK Moneyman

Providing Help to Buy mortgage advice in Brighton 7 days a week!

Our team will work around your busy lifestyle and work schedule, allowing you to connect with a mortgage advisor in Brighton at a time that is convenient to you.

Free appointment with a mortgage advisor in Brighton.

The good news is, we only ask for payment on results, not with any upfront costs!

You'll be able to benefit from your own dedicated case manager in Brighton.

You'll get to know your case manager throughout the entire process.

We work hard, for you!

We'll be here to answer all of your questions about the various Help to Buy schemes in Brighton, helping you to decide which one is suitable for you.

Protecting you and your family with jargon-free insurance advice in Brighton.

We'll be able to suggest the most appropriate insurance products in Brighton to ensure you can stay in your home, should you become seriously ill or unable to work.

There are 1000s of Help to Buy mortgage deals!

Your mortgage advisor in Brighton will analyse your circumstances and search through 1000s of mortgage deals, to find the most suitable one for you.

We have a lot of experience & knowledge to provide quiality Help to Buy mortgage advice in Brighton.

We fully understand the workings of the various Help to Buy schemes in brighton, and will use our knowledge to best help you on your journey.

Your mortgage advisor in Brighton will be by your side every step of the way.

We'll be by your side all throughout, providing guidance and support whenever we're needed. We can also help to suggest property surveys and recommend conveyancing solicitors.

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We search 1000s of help to buy mortgage deals in Brighton

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