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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 initial 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!
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Gisela
I'm grateful finding Lewis Davidson he was very friendly knowledge,professional expert and quick to responding the queries highly recommended UK Moneyman.👌🏻
3 weeks ago
Ben
UK Moneyman have been very informative throughout the process of aquiring our mortgage. Given we are first time buyers, they were very thorough in their descriptions and patient with us both as we weighed up the options they presented to us. Both...
1 month ago
Kathryn
I am very pleased with the whole experience from start to finish. Great service and frequent communications throughout.
1 month ago
Jenny
Excellent service from start to finish. The team were supportive, knowledgeable and responsive throughout the entire process. They were friendly, understanding and always happy to answer questions. Thomas was brilliant in explaining the process,...
1 month ago
Adam
Excellent service as ever this is the third time I’ve used UK Moneyman. I’d recommend to them to anyone looking for a mortgage. Daniel and Stacey couldn’t have been more helpful. Communication was excellent throughout!
1 month ago
Anonymous
The team members l had the pleasure corresponding with, Dan, Amy and Jonathan could not have been more helpful and kept me updated at all times...First class customer service..Thank you so much 🙂
1 month ago
Krist
Dealing with Conor & Jo has been a pleasure and the experience as been no hassle and put me at ease. Would definitely recommend!
1 month ago
Elaine
Johnathan has been totally amazing throughout the remortgage process. He has acted in a very professional manner and had taken in that a lot of the work to me difficult, he explained in a manner that was understandable, he showed great patience and...
1 month ago
Alan
Very helpful and professional team. We have used them many times and find them to be very efficient and always able to come with the correct product
1 month ago
Caroline
Fantastic service Dan and Jonathan were there with us every step of the way couldnt wish for more dedicated people Thank you so much Graham and Caroline
1 month ago
Abdul
Chris and Debbie were a great help throughout the process of securing my mortgage.
1 month ago
Abdul
Chris and Debbie were a great help throughout the process of securing my mortgage.
1 month ago
FIONA
Dan was amazing all the way through the mortgage process for a Later Life Mortgage. Dan and Jonathan were very patient no matter how many times I asked them to explain something to me. Both are very professional and caring. Dan and Jonathan...
1 month ago
Georgina
Brilliant service
1 month ago
Michal
Excellent service from start to finish. Professional, knowledgeable, and always quick to respond. Made the whole mortgage process clear and stress-free. Highly recommended!
1 month ago
Phoebe
Matt was excellent - professional, friendly, flexible, and very responsive. He explained everything clearly every step of the way, and secured us a successful mortgage offer that was exactly the right fot for our circumstances and budget. This is...
1 month ago
Mary
Brilliant communication at all times. Friendly service. Very supportive throughout. Thank you.
2 months ago
Preslav
Jason, Debbie and Stacey are a brilliant team of professionals without whom we would have had a really difficult and challenging time dealing with the mortgage process as first time buyers. Jason led the entire process from start to finish, he was...
2 months ago
Linda
My advisor Chris was brilliant from day one. Through both telephone and teams calls he made everything easy to understand, and the process was smooth. Stacey in the applications team was tireless in checking all of the documents I needed to upload...
2 months ago
Jacqualine
Excellent service, with me every step of the way. Highly recommended
2 months ago
Book your free initial 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 initial 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 initial mortgage appointment for the morning, afternoon or during the evening – pick a time that suits you!
We are also open at weekends and bank holidays so that you can reach us whenever you need help.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2009–2026
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2009–2026
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