Mortgage Advice for First Time Buyers, First Time Buyer Mortgages and First Mortgage Advice

Shared Equity

HomeBuy agents

HomeBuy agents are registered social landlords that market housing schemes for key workers, social tenants and other priority first time buyers in an area. They handle the application process for Government first time buyer schemes.

Find you local HomeBuy agent by clicking on this HomeBuy Agent link then submitting the form to access a local search tool.


Find out More About Shared Equity:

HomeBuy Direct shared equity UK scheme l What is a key worker and how to apply? l What help is on offer for key workers? 

Useful Links:

www.communities.gov.uk – the government's main site with information about housing
www.direct.gov.uk – offers a range of government information and services, including for housing
www.nhs.uk/accommodation – information about accommodation for NHS staff
www.teachersupport.org.uk – support and advice for teachers
 


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There's alot going on! What do you think?

Interest rates are low but could rise? Is this a good time to buy?

Yes
No

Varialbe rate mortgages go up if bank interest rates do. Which is your preference?

Fixed Rate
Variable rate

Interest only mortgages are cheaper but in the end you don't end up owning the property. Which is better?

Interest Only
Repayment

House prices are waivering. Do you think this is a good time to buy?

Yes
No

Shared equity mortgages allow you to buy a new home with 5% deposit and an equity loan through FirstBuy. What do you think?

Too complicated
Too expensive
Too risky

Rent to buy allows you to peg a property price, save towards a deposit and pay reduced rent. What do you think?

Works best in a rising market
Too complicated
Good option