Help to Buy Mortgage Broker in Essex & Suffolk
Unbiased, stress-free Help to Buy mortgage advice from the top mortgage broker in Essex & Suffolk.
Looking to get on the property ladder with a quality, fees-free, Help to Buy mortgage broker in Essex & Suffolk? Get in touch with Fees Free Mortgages today for friendly advice, or to discover your perfect mortgage deal for the Help to Buy scheme.
We’re a Top Rated Help to Buy Mortgage Broker
We are a Top Rated 2021 vouchedfor Help to Buy mortgage broker in Essex & Suffolk, checked more thoroughly than any other.
vouchedfor Reviews
Martin Bright could not have done anything better, he listened to my needs, acted upon them promptly to get me the best and the right deal.
Martin was a tremendous help with mortgage and life insurance advice. His knowledge and expert advice was a real guiding light throughout the complexities of navigating both these areas for the very first time. We wouldn’t hesitate to recommend him. He is personable, conscientious and everything you could hope for in an advisor.
What is the Help to Buy Scheme?
The Help to Buy scheme is a government-led initiative offering financial support to first time, and existing home buyers looking to get on, or re-enter the property ladder – mainly through the means of an equity loan. Applicants meeting the scheme’s requirements (listed below) are entitled to a 20% deposit loan (40% in London) provided by the government when purchasing their first home. There’s no interest on this loan for the first five years. Buyers are generally required to provide a deposit of at least 5% of the property price up front, whilst the rest is paid through a mortgage – with the maximum term available being 25 years.
Discover more about the Help to Buy scheme, and how Fees Free Mortgages’ Help to Buy mortgage brokers can help find you the perfect mortgage.
How the Help to Buy Equity Loan Scheme Works
The Help to Buy equity loan (in England) is available to those looking to purchase a new-build property, and able to put down a 5% deposit. As we’ve briefly outlined, the government will lend you a further 20% deposit on top of this on an interest-free basis for the first five years (after this, interest is set at 1.75%, increasing on a yearly basis by the rate of inflation). This loan, combined with your initial deposit payment means you’ll only need to apply for, at most, a mortgage covering 75% of the property price – offering drastically reduced mortgage payments in comparison to buying independently with a small deposit.
We are the Top Help to Buy Mortgage Broker in Essex & Suffolk, with our Professional, Transparent & Genuine Approach
If you are considering a Help to Buy mortgage, make sure to contact our fees free independent Help to Buy mortgage advisors, who will consider all your circumstances as well as available deals before offering impartial advice about which mortgage options are right for you.
Help to Buy Mortgages in 5 Easy Steps
The team at Fees Free Mortgages understand the importance of finding the right Help to Buy mortgage for you – that’s why we work on a commission-free basis and aren’t tied to any one lender. Our brokers and advisors are motivated by your needs and ambitions – meaning we’ll find the most suitable deal for you.
Help to Buy Mortgage Broker for First-Time Buyers
If you’re using the Help to Buy scheme to secure your first property, you’re most likely seeking a mortgage with specific terms meeting the conditions laid out by the Government.
The good news is, many lenders offer tailored Help to Buy repayment mortgages, designed to meet every requirement of the Help to Buy scheme. With so many packages on the market at a wide variety of rates, we highly advise using an experienced mortgage broker to source the most suitable Help to Buy mortgage for you.
Fees Free Mortgage’s team of friendly advisors know these offerings inside out and will work quickly, impartially, and professionally to find you the best, most suitable deal on the market, taking into account the requirements of both the scheme and you as an individual.
Why Choose us as Your Help to Buy Mortgage Broker?
We’ll find the best Help to Buy mortgage deal that suits you and give you expert financial advice while taking care of your whole mortgage application. Best of all, we’re FEES FREE! Putting the Free in Fees Free Mortgages.
Fees
Free
No mortgage broker fees – Many firms charge upfront fees, or fees on completion.
Personal
Service
No call centres and only 2 points of contact (Mortgage Broker & Case Manager)
Unbiased
Advice
We review the whole of the market, giving unbiased and independent mortgage advice.
Regulated &
Accountable
We are directly authorised by the FCA and fully accountable for the mortgage advice we give.
Free
Advice
Free financial advice, including; mortgage, life insurance & protection.
Ongoing
Contact
We handle all the hard work and keep you updated until your mortgage completes.
We Aren’t Just a Help to Buy Mortgage Broker…
We love providing whole of market, no-fee mortgage advice and believe that any interaction with us will be a positive experience because we do our best to help you achieve all your mortgage goals!
First Time
Buyers
We love helping you get on to the property ladder. We’ll oversee your first purchase from start to finish!
Buy-to-Let
Looking to jump-start your investments with a buy-to-let mortgage? We will find you the best deal!
Remortgages
.
We’ll review your options with your existing lender and compare them against the market for you.
95% Mortgages
Whether you’re an experienced mover, or a first-time buyer, take advantage of the 95% mortgage guarantee scheme today!
Free Help-to-Buy Mortgage Advice (FAQs)
Request Free Help to Buy Mortgage Advice
Looking for Help to Buy mortgage advice? Get in touch with Fees Free Mortgages today. The top Help to Buy mortgage broker in Essex & Suffolk.
WHOLE OF MARKET MORTGAGE BROKER ESSEX & SUFFOLK