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You can no longer apply for a Help to Buy Equity Loan for a property in Sunderland. The scheme in England is closed to new applications.
If you already own a Help to Buy home, we can explain your mortgage options when your deal ends or you want to repay some or all of the equity loan.
Our mortgage advisors in Sunderland can also help buyers assess current alternatives, subject to eligibility and affordability.
Shared Ownership allows eligible buyers to purchase an initial share, usually between 10% and 75%, depending on the property and scheme. You pay rent on the remainder to the housing provider. Paying rent does not buy the remaining share; purchasing further shares is a separate process called staircasing, subject to your lease.
A Lifetime ISA and low-deposit mortgages may also help some buyers. These are separate options with their own rules, rather than parts of the closed Equity Loan scheme.
During a free initial mortgage appointment, we can review your income, expenditure and deposit, then explain which mortgage options or schemes may suit your circumstances.
For existing Help to Buy borrowers, we assess the mortgage alongside the equity loan’s interest, fees and repayment requirements.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
During your free initial mortgage appointment, we will review your income, expenditure and deposit, then explain any mortgage or scheme options that may suit you.
Our team will search for 1000 mortgage deals to find the most suitable deals to match your circumstances.
We’ll help you get your mortgage agreement in principle, which is a great tool to back up any offers you put down on new builds.
Once your offer is accepted, we will submit your full mortgage application and evidence documents to the mortgage lender.
While this process is going on, your dedicated case manager in Sunderland will ensure that you are kept up to date through a formal mortgage offer, completion and beyond.
However, our service is more than that. Not only will we secure the most suitable mortgage deal for you, but we will also recommend relevant insurance to protect you and your family.
We will also contact you when your mortgage deal ends to make sure you are on the most suitable deal.
As an open and honest, experienced and industry-wide respected mortgage broker in Sunderland, we are here to help and guide you throughout every step of your mortgage journey. Get in touch with us today and make a date for your free initial mortgage appointment.
As part of your free initial mortgage appointment, your assigned mortgage advisor in Sunderland will take the time to go through all of the figures with you so that you have a rough guideline of the exact amount you will be paying on a monthly basis for your mortgage deal.
If you have found a property, we can review its mortgage requirements and any scheme you are eligible to use, then compare suitable deals through our lender panel.
We can also explain the roles of your solicitor and surveyor and help you prepare for the next steps.
As an open and honest mortgage broker in Sunderland with over two decades of providing expert mortgage advice in Sunderland, we have gained a lot of experience in working with all different types of customers and a wide variety of mortgage types.
Our team is available seven days a week. You can book a free initial mortgage appointment at a time that suits you, whether you are buying a home or reviewing the mortgage on an existing Help to Buy property.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 14 Reviews
Sunderlandmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sunderlandmoneyman 2009–2026
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Sunderlandmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sunderlandmoneyman 2009–2026
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