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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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Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
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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