What is the Help to Buy: mortgage guarantee?
Many credit-worthy people are finding it difficult to get a mortgage today because of the large deposits needed following the financial crisis. To help address this, the Government has created the Help to Buy: mortgage guarantee scheme to increase the number of low-deposit mortgage available for credit-worthy households.
How does it work?
Under the scheme, the Government offers mortgage lenders the option to purchase a guarantee on mortgages for a new or existing property, where a borrower has a deposit of between 5% and 20%. Because of this support, participating lenders are able to offer more mortgages to borrowers with small deposits.
How does it benefit me?
If you can afford to repay a mortgage but don?t have a large deposit, this scheme will benefit you by giving you access to low deposit mortgages. This means you won?t have to wait and save up for a large deposit to buy or move home.
Does the scheme guarantee my payments?
The scheme does not guarantee your payments. You are responsible for paying your mortgage under this scheme in exactly the same way as any other mortgage. The benefit to you is the ability to get a mortgage with a lower deposit.
Where can I find out more?
You can also visit www.helptobuy.org.uk to find out more about the scheme.
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