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The mortgage guarantee scheme in Halifax is designed to help buyers secure a mortgage with just a 5-9% deposit.
This government-backed initiative encourages lenders to offer higher loan-to-value (LTV) mortgages by providing a financial guarantee.
It is available to both first-time buyers and existing homeowners purchasing properties up to £600,000.
While the scheme can make homeownership more accessible, it’s important to explore all mortgage options to find the most suitable deal.
Our mortgage advisor in Halifax can help you navigate the options available.
Lenders taking part in the scheme receive a guarantee from the government, reducing their risk when offering 91-95% mortgages.
This means borrowers can access mortgage products with a smaller deposit, subject to affordability checks and lender criteria.
The mortgage itself functions like any other, with repayments based on the interest rate and term agreed upon with the lender.
Speaking to a mortgage broker in Halifax can help you understand what deals are available and whether this scheme is right for you.
To qualify, applicants must be purchasing a residential property in the UK and intend to live in it.
The scheme is only available for repayment mortgages, not interest-only.
Additionally, the property value cannot exceed £600,000.
Lenders will still conduct affordability and credit checks to ensure applicants meet their requirements.
For tailored mortgage advice in Halifax, it’s worth speaking to a professional who can assess your circumstances.
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.👌🏻
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...
Kathryn
I am very pleased with the whole experience from start to finish. Great service and frequent communications throughout.
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,...
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!
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 🙂
Krist
Dealing with Conor & Jo has been a pleasure and the experience as been no hassle and put me at ease. Would definitely recommend!
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...
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
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
Abdul
Chris and Debbie were a great help throughout the process of securing my mortgage.
Abdul
Chris and Debbie were a great help throughout the process of securing my mortgage.
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...
Georgina
Brilliant service
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!
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...
Mary
Brilliant communication at all times. Friendly service. Very supportive throughout. Thank you.
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...
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...
Jacqualine
Excellent service, with me every step of the way. Highly recommended
We’ll take the time to understand your situation, whether you’re a first-time buyer, moving home, or looking for a better deal.
We’ll go through your income, expenses, and credit history to assess your mortgage options.
This is where you can ask questions about the Mortgage Guarantee Scheme in Halifax or any other mortgage products that might suit your needs.
Once we understand your circumstances, we’ll search through a range of lenders to find the most suitable mortgage deal.
Whether you’re using the Mortgage Guarantee Scheme in Halifax or looking for a different product, we’ll compare rates, terms, and lender criteria to find the best match.
We’ll also explain any associated costs, such as fees and interest rates, so there are no surprises.
After selecting the right mortgage, we’ll handle the application process for you.
We’ll liaise with the lender, ensuring all paperwork is in order and that your application is as strong as possible.
Whether you’re applying under the Mortgage Guarantee Scheme in Halifax or another mortgage type, we’ll keep you updated at every stage, from submitting documents to receiving your mortgage offer.
Once your mortgage is approved, you’re one step closer to owning your home.
After final checks and legal work, you’ll receive the keys and be ready to move in.
Even after your mortgage completes, our mortgage advice in Halifax is always available if you need help with remortgaging, overpayments, or future financial planning.
Our mortgage advisors in Halifax have extensive experience in the market, giving you access to expert guidance tailored to your circumstances.
We understand that no two buyers are the same, which is why we take the time to find the right mortgage deal for you.
Whether you’re interested in the Mortgage Guarantee Scheme in Halifax or other mortgage options, we’ll help you make sense of your choices.
Unlike going directly to a bank, we have access to multiple lenders, including those offering 95% mortgages under the Mortgage Guarantee Scheme in Halifax.
This means we can compare a variety of mortgage deals to find the most competitive rates and terms for you.
With our help, you won’t be limited to just one lender’s products you’ll have more options to choose from.
Sorting out a mortgage can feel overwhelming, but we handle the hard work for you.
From initial mortgage advice in Halifax to submitting your application, we take care of everything, ensuring the process runs as smoothly as possible.
We’ll liaise with lenders on your behalf, manage the paperwork, and keep you updated every step of the way.
We know that every buyer’s situation is different, which is why we offer personalised support tailored to your needs.
Whether you have questions about affordability, eligibility, or the Mortgage Guarantee Scheme in Halifax, our mortgage advisors in Halifax are here to provide clear, jargon-free answers.
Our goal is to make securing a mortgage as simple and stress-free as possible.
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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