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We know just how demanding working in the Police force can be, so when it comes to finding the right mortgage we want to be able to offer a helping hand and make it as simple as possible for you.

With so many people now unable to secure a deposit for their own home, it may seem as though purchasing a property of your own is somewhat impossible.

This isn’t the case however, with the governments help to buy schemes.



Reasons now may be the right time to Buy a New Home?

  • You can save money on utility bills, as the new build home will be a lot more energy efficient than an older property
  • You may be able to get a say in parts of the build of your new home, such as bathroom tiles and flooring, if the property hasn’t finished being built 
  • An NHBC guarantee covering any potential structural problems



The Help to Buy Equity loan can only be applied to new build properties in England, worth up to £600, 000.

This scheme works to help those with a minimum of 5% deposit. The government will then loan 20%, leaving only 75% needing to be borrowed from a mortgage lender.

This must be the only property you own and it can not be rented out once purchased. You will have to pay equity loan fees, but this will be interest free for the first five years. In the sixth year you will be charged a 1.75% fee of the loans value. This will then go up each up year by another 1%.

The loan must be paid back after 25 years, however, if you end up selling your house before this time period then it must be paid off by then.


If you're interested and would like to find out more about this then contact us to get in touch with one of our advisers.