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If you’re a first time buyer in Halifax who are in need of some help from a mortgage broker in Halifax then you’ve come to the right place. Sometimes obstacles can crop up along the way, these can include higher property prices, limited income, needing to put down a bigger deposit, struggles to match up with criteria and more.
The good aspect of using a mortgage scheme, is that they can potentially help to make home ownership more attainable and can help to reduce a lot of these problems. From schemes that help lower earners, to support from housing associations and councils, there’s no need to be worried as there could very much be options out there that can help you achieve your goals.
It is very important to understand that not every scheme will apply to every situation. Some schemes are more aimed at first time buyers in Halifax, with a view to help to buy their first home. Others are available to people moving home in Halifax as well.
The most popular schemes available for home buyers are the Shared Ownership Scheme, which is available to first time buyers & home movers in Halifax, as well the Right to Buy & Right to Acquire Schemes, which helps local authority tenants to purchase their homes.
These are the types of schemes you may know by name, whilst others you may not be aware of. Some of these include the Lifetime ISA, first homes scheme and forces help to buy, to name just a few. They all have their own eligibility requirements and criteria to meet, for you to apply for them. Even if you do meet the requirements, it doesn’t necessarily mean it’s right for your situation either.
That is where a dedicated mortgage advisor in Halifax can come in. It is their job to look at your case and see what options you have available to you. In some cases, the route you thought was appropriate initially, may not be the best route for you to take overall.
By booking in your free mortgage appointment with a mortgage advisor in Halifax, you’ll find out about all the possible schemes or alternatives, that could help to buy in Halifax as a first time buyer or home mover.
Help to Buy was introduced in the 2010’s, off the back of the UK government’ previous FirstBuy Scheme. With a series of pre-existing and new schemes placed under that banner, it was designed to help first time buyers get onto the property ladder.
Over the years we have seen schemes under this banner disappear, whilst others have carried on without that branding. The most popular and well-known of these was the Help to Buy Equity Loan Scheme, which was closed to new applicants towards the end of 2022.
What this means is that first time buyers are no longer able to use a Help to Buy in Halifax or anywhere in the UK, though this doesn’t necessarily mean that support for home buyers has ended. There are still a variety of schemes that can help to buy in Halifax!
It’s no secret that buying a home can be a bit of a challenge sometimes and a little daunting, especially if you’re a first time buyer in Halifax. The same can be said even if you’re moving home in Halifax too. As you could expect with such a large financial commitment, sometimes obstacles can crop up along the way.
These can include higher property prices, limited income, needing to put down a bigger deposit, struggles to match up with criteria and more. The good aspect of using a mortgage scheme, is that they can potentially help to make home ownership more attainable and can help to reduce a lot of these problems. From schemes that help lower earners, to support from housing associations and councils, there’s no need to be worried as there could very much be options out there that can help you achieve your goals.
It is very important to understand that not every scheme will apply to every situation. Some schemes are more aimed at first time buyers in Halifax, with a view to help to buy their first home. Others are available to people moving home in Halifax as well.
Each of these schemes will have their own strict criteria and eligibility requirements, which you’ll have to check before applying for a mortgage. Some of these require speaking to a local agent. Additionally, a mortgage advisor in Halifax may be able to help with this.
The most popular schemes available for home buyers are the Shared Ownership Scheme, which is available to first time buyers & home movers in Halifax, as well the Right to Buy & Right to Acquire Schemes, which helps local authority tenants to purchase their homes.
These are the types of schemes you may know by name, whilst others you may not be aware of. Some of these include the Lifetime ISA, first homes scheme and forces help to buy, to name just a few. Again, these all have their own eligibility requirements and criteria to meet, for you to apply for them.
Even if you do meet the requirements, it doesn’t necessarily mean it’s right for your situation either. That is where a dedicated mortgage advisor in Halifax can come in. It is their job to look at your case and see what options you have available to you. In some cases, the route you thought was appropriate initially, may not be the best route for you to take overall.
By booking in your free mortgage appointment with a mortgage broker in Halifax, you’ll find out about all the possible schemes or alternatives, that could help to buy in Halifax as a first time buyer or home mover in need of expert mortgage advice in Halifax.
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Anonymous
I work in an industry that usually has fixed-term contracts so my getting a mortgage from high-street lenders was not straightforward. The broker was very helpful in going through the paperwork and successfully found me a mortgage for my first flat....
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Daniel
Everything is explained to you clearly and the staff are willing to help in anyway they can! Will definitely re use in the future
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Val
Connor and Stacey did a brilliant job from start to finish. From initial consultation to chasing others, nothing was too much trouble and they kept us informed at every stage. I would definitely use them again. Great job!
5 days ago
Carol
I cannot speak highly enough of our Moneyman mortgage advisor...WAYNE DEWSBURY.In our opinion, he has gone above and beyond to find us the most suitable product for our circumstances.He has been FANTASTC. He has kept us informed at all times and...
5 days ago
Chris
I am very pleased with the service provided. Wayne and Stacey M went above and beyond to secure the financial assistance I required and secured the best option for myself ,I would highly recommend this company as you are kept well informed every...
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Anonymous
My experience with uk money man was excellent , other dan and Johnathan explained everything fully every step of the way and we’re extremely patient with me especially when I wasn’t sure I was doing the right thing, allowing me to think about...
6 days ago
Anonymous
Malcom and his team have been excellent, went above and beyond in helping us secure our very first mortgage. Brilliant communication throughout always checking in, would highly recommend. Thanks again!! J & G!
1 week ago
Stephen
Excellent company, easy to work with, extremely helpful, nothing was to much trouble. Very professional, kept us regularly up-to-date so never had to worry what was happening, they went above and beyond. Special thank you to Jonathan and Dan who...
1 week ago
Nina
I am really happy with the service I’ve received. They have been very professional, courteous, friendly, approachable and I’ve really appreciated the ongoing updates and check ins. I would highly recommend.
1 week ago
Truc
We approached UK Moneyman for advice about staying in our own home. The service we received was excellent, especially from Dan Osman and Jonathan. The product was just what we were looking for and the process went through without a hitch, with the...
1 week ago
Michael
Both Charlie and Paula have been fantastic throughout this whole process. In the ball and proactive with everything we needed so really speeded up the whole process for us in getting us the best possible rate and lender for our mortgage....
1 week ago
Matthew
Both Charlie & Stacey helped me get my mortgage over the line in a very short timeframe. They were both excellent, explaining things very well & clearly had my best interests at heart. They set me up with the best, competitive rates available that...
1 week ago
Robert
I found their service very thorough and completely professional at all stages of the process. The product that was offered was suitable and competitive. All of their representatives were extremely helpful and concise. Thoroughly recommended. 5...
2 weeks ago
Veronica
Excellent all the way.
2 weeks ago
Anonymous
Very good service excellent all the way through. Very understanding and polite.
2 weeks ago
Anonymous
Didn't take long to get an offer, everything explained. This is a great team of people. Highly recommended!!!
2 weeks ago
Chardae
We recently worked with UK Moneyman to secure a mortgage for our new property and couldn’t be happier with the experience. Charlie and Paula were exceptional—knowledgeable, attentive, and always ready to address any concerns we had. They...
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Mark
Moneyman took the stress out of renewing our mortgage at the end of a fixed rate deal. They were very attentive and gave clear and honest advice, we can’t thank them enough.
2 weeks ago
Anonymous
Excellent service from a professional team
3 weeks ago
Rosie
Very quick and easy, Matt was a pleasure to work with
3 weeks ago
Book your free mortgage appointment online and discuss your mortgage options with one of our mortgage advisors in Halifax.
We will talk you through the schemes and determine which one is the most suitable for you and your personal circumstances.
Your mortgage advisor in Halifax will search through 1000s of mortgage products on your behalf whilst you prepare your Help to Buy mortgage application.
The subsequent phase involves preparing your mortgage application for submission to the lender. Throughout this journey, we'll keep you informed about the progress of your mortgage application, ensuring transparency and clarity.
Our services go beyond merely securing the right mortgage for you. We also provide guidance on insurance options, aiming to safeguard both you and your loved ones.
We offer every customer a free mortgage appointment, where we will look over your options and answer your questions about the schemes.
We can also measure your overall mortgage affordability, looking at how much you can borrow based on your credit and current income.
In our role as a mortgage broker in Halifax, we assist individuals looking for diverse mortgage solutions, including those aligned with the Help to Buy Scheme.
Upon your initial contact with us, we will lead you through the entire process, offering extensive support every step of the way.
We work 7 days a week to ensure flexibility in our service. You can book your free mortgage appointment for the morning, afternoon or during the evening - pick a time that best suits you!
We are also open at weekends and bank holidays so that you can reach us whenever you need help.
Shared Ownership is a housing initiative allowing individuals to purchase a segment of a property while leasing the remaining share.
Typically, buyers opt for a share ranging from 25% to 75% and pay rent on the remaining portion. Over time, there is the flexibility to enhance ownership by acquiring additional shares through a process known as “staircasing,” ultimately progressing towards full property ownership.
The Lifetime ISA stands as a specialised individual savings account, crafted to facilitate savings for a first home purchase.
The government gifts a bonus of 25% on contributions every year, making your savings swiftly go up.
Savings per year are limited to £4,000; with the 25% bonus, you can save up to £5,000 a year for your first home.
The Mortgage Guarantee represents a government-backed initiative designed to assist individuals with smaller deposits in attaining homeownership.
Within this scheme, the government offers a guarantee to the mortgage lender, mitigating the lender’s risk and enhancing accessibility for buyers with modest deposits to secure a mortgage.
This initiative is geared towards supporting homebuyers encountering challenges in entering the property market due to lower deposit amounts.
Forces Help to Buy stands as a dedicated scheme tailored specifically to assist armed forces personnel in acquiring a home.
This initiative offers interest-free loans to eligible military personnel, supporting them in securing a deposit for their initial home or facilitating a move to another property.
The repayment of the loan occurs over a predetermined period, with the overarching goal of improving accessibility to homeownership for members of the armed forces.
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Halifaxmoneyman.com & Halifaxmoneyman 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
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Halifaxmoneyman.com & Halifaxmoneyman 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
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