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The Help to Buy Scheme is always a popular choice across the mortgage world, but also can come along with its own set of challenges.
When working alongside a dedicated mortgage advisor in Sunderland, you’ll find that we use our experience to help and try to make sure that we clear as many hurdles as we can and that it’s as stress-free and smooth as it can possibly be.
A member of our team will be there to help you throughout your entire mortgage journey, ensuring that you are always aware of what is going on.
We will always be at the end of the phone to help you out if we are needed, aiming to give you a deeper understanding of the Help to Buy Scheme as we go. We have your best interests at heart and are here to support you.
Having Sunderlandmoneyman working on your behalf is incredibly beneficial when you need someone to be on hand and guide you through your mortgage process.
With the Help to Buy Shared Ownership scheme, you can buy a share in a property. The percentage is usually between 25% and 75%, however, on some occasions, you may be allowed to purchase as little as 10%. You then will pay back the remaining percentage through rent.
If you can’t quite afford the mortgage on 100% of a home, Help to Buy Shared Ownership offers you the chance to buy a share of your home (usually between 25% and 75% of the home’s value) and pay rent on the remaining share. Later on, you could buy bigger shares when you can afford to.
As your expert mortgage broker in Sunderland, we are able to provide Help to Buy mortgage advice across all of the various schemes. Find out more information about Help to Buy Schemes available to you and the most common Help to Buy mortgage scenarios below.
With the help of a mortgage broker in Sunderland, we can answer any questions related to the Help to Buy schemes. We also provide expert mortgage advice in Sunderland regarding any other mortgage related topics too.
Book yourself in for a free mortgage appointment with a mortgage advisor in Sunderland to discuss your options for taking out a Help to Buy in Sunderland today.
In using the Shared Ownership Scheme, you can purchase a share in a property. The percentage that people buy into their property is about 25% to 75%, although in some specific cases you can buy a little as 10% of the property. The remaining percentage is repaid in the form of a monthly rental fee.
This scheme is designed to home buyers the opportunity to only purchase some of it upfront, potentially buying bigger shares down the line when they can afford to do so. If this scheme doesn’t sound suitable, there is no need to worry, as there may be something better suited for you.
As an expert mortgage broker in Sunderland, we have a vast understanding of all available schemes in Sunderland and we can use this knowledge to find you something else, if you fit the criteria.
The Lifetime ISA, commonly known as a LISA, is a scheme built for first time buyers looking to save for their first home.
The standout feature of a Lifetime ISA lies in the government bonus. On top of what you save in a year, the government will top up your LISA with 25% of what you have saved in the year. The maximum that you cans save in a year is £4,000, therefore, they will add £1000 to your LISA if you manage to save the maximum.
The catch is that if you withdraw from the LISA, you will receive a withdrawal fee of 25%. So if you withdraw £500, you will only receive £400.
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5.00 Rating13 Reviews
Georgia
Our mortgage advisor Charlie Bryson has been amazing with me and Ethan. He has helped us with everything and made sure we are doing everything correctly as we are both first time buyers.
2 years ago
Jordan
Helen was very helpful on the call to re arrange a call back to speak about our mortgage. Very pleasant phone call
2 years ago
Diane
This has been a fantastic service from the initial enquiry to getting the mortgage offer through, everything explained in detail and nothing was a problem, very helpful and professional staff. Would highly recommend using this company to anyone
2 years ago
Martin
Great team and great service. Always happy to help and they make the process easy to understand. They got me a deal I was happy with then got me a better one.
3 years ago
Paul
Spoke to Dale Hunter a few times today. Polite, professional and happy to answer any questions. Over the moon with the service received.
4 years ago
Anonymous
Our advisor was Jason Loft and all I can say is he was amazing and very polite and so was all of his team. Me and my partner are first time buyers so were quite apprehensive about the whole process. However Jason and his team gave us all the...
4 years ago
Anonymous
With the help from Jason and Laura, our mortgage process went very smoothly. As first time buyers we had many questions which they were on hand to answer promptly. Would highly recommend!!
4 years ago
Anonymous
Listened to my every need. Very polite and helpful. Spoke well and clearly understood what was being said and great advice. Thanks
4 years ago
Anna
From start to finish, the service was great. Everything was explained clearly, every little adjustment and query I asked for was expertly dealt with by Leo, who gave me new info and examples of our mortgage requests. Process was very easy to...
5 years ago
Anonymous
Very quick response from the first time I contacted them. Both Cathy and Leanne were great at keeping us informed throughout the process and always responded to our emails within a couple of hours, often less. They understood the stresses and...
5 years ago
Sofia
As a first time buyer I was pretty clueless as to what was needed and when to buy a house. The brokers at Sunderland moneyman made it very easy for me and guided me through the whole process. I’d defiantly give them a recommendation. Thank you...
6 years ago
Leon
I am a First Time Buyer and before I contacted Sunderland Moneyman I didn’t have a clue about mortgages or whether I would even qualify for one. My Advisor (Wayne) came across like he really cared and he was always on the end of the phone to...
6 years ago
Karen
Jason and his team gave an outstanding service. They were reassuring, consistent and were always on hand to give advice and support when necessary. I will be using their service again when my fixed rate ends in 2 years time. Thank you again...
6 years ago
During your free initial appointment, a mortgage advisor in Sunderland will review your income and expenditure to work out the maximum amount you can borrow and check your eligibility for any Help to Buy Schemes in Sunderland.
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 best 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 best 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 mortgage appointment.
As part of your initial free 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 already found a new home that you are looking to purchase, and it falls within the criteria for taking out a mortgage under the Help to Buy Scheme, we will be able to take a look through the paperwork with you and even liaise with the home builder or estate agent on your behalf if necessary.
Not only will we be able to help you out with your mortgage, but if you are in need of any help with regard to surveyors or solicitors, we can also provide you with advice there and point you in the right direction, discussing what exactly you may need for that.
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.
This regularly includes those looking to utilise the Help to Buy Scheme. Once you get in touch with a dedicated mortgage advisor in Sunderland, you’ll have someone by your side, from that initial first point of contact, all the way through until the end of your mortgage process.
We will advise you as to whether or not you may be able to qualify for this scheme – this is all a part of our personalised service.
Part of the terms and conditions specify that you should not own any other property i.e., you cannot buy a second home with the help of this scheme. Part-exchange and sub-letting is also something that will not be allowed.
We’re Here to Provide You With Expert Help to Buy mortgage advice in Sunderland. Our honest and trusted team will always recommend the best available option for your financial and individual circumstances, doing everything they can to ensure that you feel happy, stress-free, well informed and secure through your entire Help to Buy mortgage journey.
Get in touch with a mortgage advisor in Sunderland and receive a free mortgage appointment today.
Before we begin looking at finding you a Help to Buy mortgage, we need to have a look at whether or not you qualify for any of the schemes that are available.
If you want to know more about the types of schemes that can potentially be utilised, get in touch with one of our hard working and easy to talk to Help to Buy mortgage advisors in Sunderland.
Remember, you must also only be a first time buyer in Sunderland. Matching up to the criteria depends on your personal circumstances, as well as those of the property in question.
You must not own any other property when you are looking to purchase your new home in conjunction with a Help to Buy in Sunderland. Also, it is crucial to remember that subletting and part-exchange is something that is not allowed.
Find out more information about the Help to Buy Schemes available to you at Gov.uk
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Sunderlandmoneyman.com & Sunderlandmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Sunderlandmoneyman 2025.
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Sunderlandmoneyman.com & Sunderlandmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Sunderlandmoneyman 2025.
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