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Buying

Now really is the time to buy!

Rates were great, but they just got even better!

With the close of 2019 now in sight, lenders have upped the ante once again and rates that were already great just got even better.

RIGHT NOW you can access 90% 2 Year Fixed rates from just 1.77%

You can also snap up Help To Buy rates from only 1.44% 2 Year Fixed and 1.81% 5 Year Fixed.

With rates this good, you may be surprised at what you can afford and the options available to make your dream-home a reality!


What does this look like?

90% Loan to value example 1

Purchase Price: £200,000

Deposit (10%): £20,0000

Loan required (90%): 180,000

Based on a 30 year term, monthly repayments start from just £644.80 per month!!


90% Loan to value example 2

Purchase Price: £250,000

Deposit (10%): £25,0000

Loan required (90%): 225,000

Based on a 30 year term, monthly repayments start from just £806 per month!!


Help to Buy example 1

Purchase Price: £200,000

Deposit (5%): £10,000

Government Contribution (20%): £40,000

Loan required (75%): 150,000

Based on a 30 year term, monthly repayments start from just £513.37 per month!!


Help to Buy example 2

Purchase Price: £250,000

Deposit (5%): £12,5000

Government Contribution (20%): £50,000

Loan required (75%): 187,500

Based on a 30 year term, monthly repayments start from just £641.72 per month!!


NOW is the time to buy

In 2021 Help to Buy will only be available to First Time Buyers and there will be regional purchase price caps, so now really is the time to use this fantastic purchasing tool.

Currently both First Time Buyers and Next Time Buyers can utilise the Help to Buy scheme, benefiting from a 20% government contribution (40% for London HTB) that is interest free for five years.

This sector of the market still boasts the most competitive mortgage rates, making your money go even further, plus using Help to Buy you can buy at a purchase price of up to £600,000!