Working with a smaller deposit and want to take advantage of a Government-backed scheme? Talk to us today to see how we can support your purchase and arrange the right mortgage for your needs.

We will look at your current finances and give advise and support around your new mortgage, make sure Help To Buy is right for you and that you fully understand how it works. By working with you, the builder and Help To Buy team we can take the hassle out of the process and get you moving quicker.

Help to Buy is a Government scheme designed to help people to get onto the housing ladder. The scheme provides the initial funds, up to 20% of the property value as an Equity Loan, to purchase the property. How it works:

  1. Deposit – You will be required to contribute a minimum deposit of 5% of the property price or more. This is significantly less than the standard deposit contribution.

  2. Shared equity loan – The government will provide a shared equity loan of up to 20% of the property purchase price (40% in London). You must pay back the loan after 25 years or when you sell your home – whichever comes first. The amount you pay back depends on how much your home is worth (the market value).

  3. Mortgage – The remaining 75% (55% in London) of the purchase price will be covered by a residential mortgage.

So a friendly broker at Twin Pine Mortgages is waiting to help and get you moving. Give us a call on

024 7601 7747.