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Help to Buy in Lincoln
Across All Schemes

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Help to Buy in Lincoln
Across All Schemes

Discuss your options for a Help to Buy mortgage with an expert mortgage advisor in Lincoln today.

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Mortgage advice for Help to Buy in Lincoln, across all available schemes

Thanks to the Help to Buy Schemes, your odds of getting onto the property may have improved. As of now, there are more routes to choose from, depending on if you are eligible.

As a mortgage broker in Lincoln, our job is to inform you about the different eligible schemes for your circumstances. You may find that other Help to Buy Schemes are available for you out there.

However, you can’t just pick and choose a scheme that you like, as you won’t likely qualify for all of them. But, this is something that our mortgage advisors in Lincoln can check your eligibility before you rush into applying for anything.

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Help to Buy in Lincoln </br>Across All Schemes

Helping first time buyers onto the property ladder with a Help to Buy in Lincoln

Help to Buy in Lincoln applies properties up to a maximum value, this value is depending on your region in England. Our mortgage advisors in Lincoln will check your eligibility to whether or not you may qualify for this scheme.

As your expert mortgage broker in Lincoln, we can provide Help to Buy mortgage advice across all schemes. Find more information about Help to Buy Schemes available to you and the most common Help to Buy mortgage scenarios further down this page.

How mortgage schemes can Help to Buy a home in Lincoln

Mortgage schemes play a pivotal role in the process of purchasing a home in Lincoln through the “Help to Buy” initiative. This government-backed program aims to assist first time buyers and home movers by offering a range of schemes that make homeownership more accessible.

One popular option is the Shared Ownership scheme which allows individuals to purchase a share of a property and pay rent on the remaining portion, providing an affordable entry point into homeownership.

For those considering a home purchase in Lincoln, exploring mortgage schemes, particularly if you are struggling to save for a deposit, is crucial. By understanding and leveraging these schemes, aspiring homeowners can navigate the Lincoln housing market with greater flexibility and financial support.

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FAQs about Help to Buy in Lincoln

How much deposit do I need for Help to Buy mortgage in Lincoln?

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Generally, for most Help to Buy schemes, you will need a minimum of a 5% deposit.

Most Help to Buy schemes allow you to put down a higher deposit to gain a better loan-to-value on your mortgage. Speak with a Help to Buy mortgage advisor in Lincoln to determine how much you can borrow for your Help to Buy mortgage.

What is the criteria for a Help to Buy mortgage in Lincoln?

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Each Help to Buy scheme has its unique criteria and requirements that you need to meet before you can access it. Depending on the scheme that you are looking at using, you may not meet the requirements.

For example, using the Lifetime ISA for a mortgage is only available for first time buyers, whereas, the Shared Ownership scheme is available for both first time buyers and home movers.

How do I apply for a Help to Buy scheme?

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To apply for a Help to Buy scheme, you usually need to apply online. The application process involves affordability assessments and meeting specific criteria for the chosen scheme.

Once you have met the criteria for a specific scheme, the next step is finding you a mortgage product to go hand in hand with the scheme.

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Our Simple Step by Step Process

Free 30-Minute Mortgage Appointment

Step 1

During your free mortgage appointment, your mortgage advisor in Lincoln will go through your Help to Buy options and discuss the schemes you may be able to access.

If you want to continue with the scheme, we can begin finding you teh perfect mortgage whilst you apply for the scheme online.

We Can Search 1000s of Mortgage Deals

Step 2

Our team will search through 1000s of mortgages in order to find the perfect product for you and your new property.

Hopefully, by now you will have been accepted onto your Help to Buy scheme.

Submit Your Help to Buy Application

Step 3

The next step is to prepare your mortgage application and get it ready to send off to the mortgage lender.

We will keep you up-to-date with the progress of your mortgage application throughout the entire process.

Protecting You and Your Mortgage

Step 4

Once we hear the good news, we will let you know that your keys are ready to collect!

Our offerings extend beyond finding the optimal mortgage arrangement for you. We will also offer suggestions for pertinent insurance choices to safeguard both you and your loved ones.

Reasons to Choose us

Free Mortgage Appointment

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During your initial free mortgage appointment, your assigned mortgage advisor in Lincoln will take the time to go through all your documentation with you so that you have an idea of the amount you will be paying monthly for your mortgage deal. Get in touch with us today and book yourself for a free mortgage appointment to speak to one of our experienced mortgage advisors in Lincoln, who will guide you throughout every step of your mortgage journey.

Our Service

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Our open and honest 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, informed and in safe hands through your entire Help to Buy mortgage journey. Not only will we be able to help you out with your mortgage, but if you require any help concerning surveyors or solicitors, we can also provide you with advice and point you in the right direction, discussing what exactly you may need for that.

7 Days a Week

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Our flexible team are available 7 days a week so that you can get in touch with us at a time that best suits you and your busy schedule. Book your free mortgage appointment online or by giving us a call. Contact us today to speak with a dedicated mortgage advisor in Lincoln. We have had countless enquiries from other customers who are looking to utilise the Help to Buy scheme. From that initial first point of contact until the end of your mortgage process, having someone by your side is always reassuring.

Malcolm and Amy Davidson - Mortgage Advice Lincoln

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Popular Help to Buy Schemes in Lincoln

Shared Ownership

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The Shared Ownership scheme is a government-backed initiative designed to facilitate home ownership. It allows individuals to purchase a share (typically between 25% and 75%) of a property while paying rent on the remaining portion.

This provides an affordable entry point into the housing market, especially for first time buyers or those with limited financial resources. Over time, occupants have the option to increase their ownership share through a process known as “staircasing. Shared Ownership aims to make homeownership more accessible, offering flexibility and a pathway for individuals to gradually increase their ownership stake in their homes.

Lifetime ISA

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The Lifetime ISA (Individual Savings Account) is a government-backed savings initiative designed to assist individuals in building funds for either their first home purchase or retirement.

Eligible individuals can contribute a maximum of up to £4,000 annually, and the government provides a 25% bonus on these contributions.

The funds can be used either towards the purchase of a first home or for later in life savings.

Mortgage Guarantee

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The Mortgage Guarantee scheme scheme is aimed at supporting prospective homebuyers by facilitating access to higher loan-to-value (LTV) mortgages.

Under this scheme, individuals can secure a mortgage with a down payment as low as 5%, with the government guaranteeing a portion of the loan to encourage lenders to offer more accessible financing options.

If you are a first time buyer in Lincoln, this initiative is particularly beneficial for you, providing a pathway to homeownership with a reduced initial deposit.

Forces Help to Buy (FHTB)

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Forces Help to Buy (FHTB) is specifically tailored to support armed forces personnel in achieving homeownership. This initiative enables eligible military personnel to borrow up to 50% of their salary (capped at £25,000) interest-free to contribute towards a home purchase, the extension of an existing property, or the conversion of an existing property into a family home.

FHTB serves as a valuable financial aid, assisting military members in overcoming the challenges of property acquisition.

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