For some buyers, when it comes to buying their first home, there is a struggle to match the required minimum deposit. The government noticed this and offered a solution to help First Time Buyers afford to move into a newly built property. This was called “Help to Buy”, and it was made to give buyers the boost they needed to begin their mortgage journey.
Here at Halifaxmoneyman, we work solely for you! We are determined to find you the best Help to Buy Mortgage deal that best suits your personal and financial situation. We will go over all of the schemes for you and recommend you with your best Help to Buy mortgage options. We always have your best interests at heart.
Find out more information about the Help to Buy schemes available to you at www.ownyourhome.gov.uk
As a Mortgage Broker in Halifax, we assist clients with all types of mortgages, including those under the Help to Buy Scheme. Once you make contact with us, we will walk you through the whole process, from start to finish.
If you have already found a new home that you want to buy that falls within the remit of the Help to Buy Scheme, we will go through the paperwork with you and even liaise with the home builder or estate agent on your behalf.
Not only will we deal with your mortgage but we can also help if you need advice with regard to surveyors or solicitors.
As part of your initial free mortgage appointment, we will go through all of the figures with you so that you know exactly how much you will be paying each month.
4.97 Rating300 Reviews
Anna
As first-time buyers, my partner and I can not thank UK Moneyman enough for all their help with buying our first house. Jason and Jo basically held our hands through the whole process, explained everything to us in simple terms and were completely...
Dean
Our advisor Dinah was incredibly helpful and refreshingly honest from start to finish. We've previously used a mortgage advisor who we'd been disappointed with. He was hard to contact and I often found myself chasing him. This couldn't have been...
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
John
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
Antonia
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
Babak
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
Alistair
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
Sarah
Fantastic service from Tom Bowes
Brooke
Excellent service, great communication & highly professional
Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...
Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and professional manner....
Our free consultation will most likely last around 30 mins. A dedicated mortgage advisor in Halifax can turn round an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking about three weeks on average.
A dedicated mortgage advisor in Halifax will carry out a Fact Find to work out what your personal needs are prior to recommending the most suitable mortgage for you. In order to get an Agreement in Principle, you’ll be required to have a credit check. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be formally issued a mortgage offer.
Your free mortgage consultation in Halifax with an advisor will last for roughly around 30 mins. Once this has been undertaken, they will then recommend a mortgage for you. You’re under no obligation to accept this and have the freedom to walk away still, should you feel that’s the better option.
To avoid being disappointed down the line, we suggest that you obtain an Agreement in Principle prior to property viewings in Halifax. You should obtain one no later than the point before you start making an offer in order to assist your bargaining position.
An Agreement in Principle will most likely last between 30 and 90 days depending on who you take one out with. If your Agreement in Principle expires, come back to us and we’ll get this refreshed for you.
If you are looking at some future financial planning or home renovation like debt consolidation or Home Improvements, you may be eligible for a second mortgage. It can be possible to take out a mortgage on a second property for your own use, for a family member, for a holiday home or even for a Buy to Let.
If you have had a recent history of credit problems a mortgage may still be within reach, though you may possibly be required to put down a higher deposit than usual. We find that this figure is commonly around 15% of the property purchase price.
Once you have submitted at least one year’s accounts to the mortgage lender, you are eligible to get a mortgage. Most Lenders will use a calculation of your salary plus your dividend to determine the maximum mortgage amount you can take out, whereas others may go off your net profit.
You will need to have at least 5% deposit.
It will typically be the last three payslips for employees to prove their income to the lender and the latest 2 years’ accounts if you’re a Self-Employed applicant. You will also need to provide your mortgage lender with some proof of ID, address and 3 months’ bank statements.
Give us a call and a Mortgage Advisor in Halifax will recommend the best Help to Buy Scheme based on personal circumstances.
Enjoy finding your dream home in Halifax
Make an offer on the property and once accepted, we will progress your mortgage application.
We will be here to answer all of your mortgage questions right through till you get your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
