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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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Thomas
Second time using Leo at UK Moneyman - incredibly helpful again!! Thanks
6 days ago
Anonymous
We were looking to purchase our home that we currently rent and as first time buyers were unsure of the procedures. Jason Loft handled our application and he was extremely thorough and informative and put us at ease immediately, determined to get us...
1 week ago
Anonymous
Very helpful
1 week ago
Mrs Samantha
Money man service was very professional and efficient. We called for advise on a remotgae and got provided with a great service and a relly quick remotgae process. I would highly recommend.
1 week ago
Craig
The support throughout by Jason, Jo and Kerry was outstanding throughout our remortgage application. Highly recommended!
1 week ago
Susan
Excellent service.Consistant all the way through my business.Highly recommended.
2 weeks ago
Karl
Airways really helpful. Choose Moneyman because our previous mortgage advisor was not providing us with sufficient advice or guidance based on our situation. Moneyman made it a really smooth process!
2 weeks ago
John
Connor & Stacey were so helpful with our whole mortgage application from start to finish. Their attention to detail really helped us get the house we wanted in a timely manner. Would 100% recommend.
2 weeks ago
Liam
Would like to thank Wayne and Paula for their help in acquiring our first mortgage. The process was made so simple and straight forward by them both and they had it turned round super fast. Would highly recommend the company and also Wayne and Paula...
2 weeks ago
Nastaran
Fantastic service. always kept up to date with what I needed to do and know, staff are super polite and helpful and get back to you promptly. Thank you, for making my first mortgage manageable and smooth sailing!
2 weeks ago
Bryan
uk moneyman. have provided me with a stressfree friendly yet professional solution to my remortgage needs 10/10
3 weeks ago
Anonymous
Very understanding with a great knowledge of the market and all your options. Patient, helpful and friendly. I am so glad I chose to talk to UK Moneymen, made my life so much more comfortable.
3 weeks ago
Carol
Both Dan and Johnathon have been excellent. Explaining everything along the way . Been good support.
4 weeks ago
Anonymous
They were very good dealt with things easily and professionally.
4 weeks ago
Anonymous
We have used UK Moneyman twice now and both times our mortgage was secured with ease. Malcolm and his team were very efficient and helped me secure my mortgage despite being self-employed. I would recommend UK Moneyman to anyone
4 weeks ago
Dr Noe
Great service, I bought my first home and Malcolm and Paula helped me with all the steps including choosing the solicitor. I got the mortgage easily and it was a nice experience.
4 weeks ago
S.
excellent service
1 month ago
Anonymous
I felt very supported throughout the mortgage application process. I had regular updates which put me at ease and made one part of the move stress free.
1 month ago
Shannon
Matt has been great! Would recommend him to everyone. The whole process has been smooth and easy!
1 month ago
Kevin
Very knowledgeable, and always available to help and reassure you through the mortgage process.
1 month 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.
© Halifaxmoneyman 2025.
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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.
© Halifaxmoneyman 2025.
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