Mortgage Schemes

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Mortgage Schemes

For first time buyers​

There are Government and housebuilder backed schemes available to help first time buyers step onto the property ladder. These include Mortgage Guarantee schemes alongside Shared Ownership options.
These can change and are sometimes only available in specific areas and may even be subject to your circumstances, our Advisers will be able to help you understand which option is best for you.
With our experience, knowledge and access to thousands of mortgage products and a wide range of specialist lenders you can also trust us to find the best mortgage deal available for your circumstances.

Call us today to find out more

Own New

To find out more about Own New – Rate Reducer, click here.

Green Mortgages

A Green Mortgage is specifically targeted to energy efficient properties. The incentive for buying a “green” home means not only reduced running costs but you could also get access to a preferential mortgage rate. Terms and conditions apply.
Climate change is a real issue and this has not been lost on the housebuilding industry, who are always looking to make new build homes more energy efficient.

95% Mortgage Guarantee

This scheme is available to first time buyers and current homeowners, enabling them to secure a mortgage with a 5% deposit on a house up to the value of £600,000. This scheme is available to new builds and second hand properties. Under this new scheme, the government guarantees the last proportion of the mortgage over 80%.
Meaning on a 95% mortgage, the government guarantees the last 15%  of the mortgage so they will compensate your lender should the mortgage fall into arrears.

Deposit Unlock

Deposit Unlock is a scheme to help buyers, both first time and home movers, to buy a new build home with only a 5% deposit. There are a number of Housebuilders participating and a limited number of participating mortgage lenders.

The scheme is aimed at helping buyers to purchase a new build home with a small deposit and gives you access to additional 95% mortgages on new build properties.

For more information on 95% Mortgage Guarantee scheme, click below

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This is not a formal quotation or a commitment to lend. All figures provided are for illustrative purposes only. Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.