{"id":3785,"date":"2018-06-04T11:45:28","date_gmt":"2018-06-04T10:45:28","guid":{"rendered":"http:\/\/www.tayloremmet.co.uk\/blogs\/?p=1768"},"modified":"2018-06-04T11:45:28","modified_gmt":"2018-06-04T10:45:28","slug":"demystifying-help-to-buy-application-process","status":"publish","type":"post","link":"https:\/\/www.tayloremmet.co.uk\/blogs\/demystifying-help-to-buy-application-process\/","title":{"rendered":"Demystifying the Help to Buy application process"},"content":{"rendered":"<p><span style=\"color: #003a7a;\"><strong><span style=\"font-family: helvetica, arial, sans-serif;\">GET IT RIGHT FIRST TIME: <\/span><\/strong><span style=\"font-family: helvetica, arial, sans-serif;\"><span style=\"color: #000000;\">Sarah Gaunt is here to help first time buyers get to grips with the conveyancing process. This month, she demystifies the Help to Buy application process\u2026<\/span><\/span><\/span><\/p>\n<h3><span style=\"font-family: helvetica, arial, sans-serif; color: #003a7a;\"><strong>How do I apply for a Help to Buy mortgage?<\/strong><\/span><\/h3>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">The Help to Buy scheme will lend you up to 20% of the value of a new build property, in addition to a mainstream mortgage. For first time buyers who are struggling to find a 10% deposit, this can release them from the rental trap.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">It is available on new build properties worth up to \u00a3600,000. You need to have a minimum 5% cash deposit and be able to borrow the remaining 75% from a bank or building society.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">You can repay the money at any time, but there are no fees or interest for the first five years. If you live in London, there is an upper limit for the equity loan of 20-40%.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">The actual application process takes a few weeks and can be done yourself online, or by a financial adviser. The paperwork will then be forwarded to you and the solicitor acting on your behalf.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">If you want to check you qualify for the scheme, there is a helpful calculator available on the government\u2019s website: <span style=\"color: #003a7a;\"><strong><a style=\"color: #003a7a;\" href=\"httpss:\/\/www.helptobuy.gov.uk\/\">httpss:\/\/www.helptobuy.gov.uk\/<\/a><\/strong><\/span><\/span><\/p>\n<h3><span style=\"font-family: helvetica, arial, sans-serif; color: #003a7a;\"><strong>How do I know if the property I like is covered by Help to Buy? <\/strong><\/span><\/h3>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">There are numerous providers across the country, such as Help to Buy Midlands and Orbit.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">As long as the developer you want to purchase from is registered with a provider, you simply make your application to this organisation.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">Normally, participation in the scheme is well advertised, but if you are unsure, you will need to raise an enquiry with the builder direct, or the estate agent managing the sale.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">If the firm is not registered, it may be worth asking if they will consider membership to enable you to take advantage of the additional finance.<\/span><\/p>\n<h3><span style=\"font-family: helvetica, arial, sans-serif; color: #003a7a;\"><strong>Will my mortgage lender mind me taking another loan against the property?<\/strong><\/span><\/h3>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">You will need to ensure you use a mortgage company that participates in the scheme.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">Currently, lenders supporting Help to Buy include Barclays, Chorley Building Society, Cumbria Building Society, Leeds Building Society, Halifax, RBS, NatWest, Newbury, Santander, Woolwich, Virgin Money, HSBC, Post Office and Lloyds.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">If you proceed with one of these bodies, you should have no issue topping up the borrowing with the Help to Buy loan.<\/span><\/p>\n<h3><span style=\"font-family: helvetica, arial, sans-serif; color: #003a7a;\"><strong>How is the money made available?<\/strong><\/span><\/h3>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">Once the application is complete, your solicitor will forward the agreement for your signature, plus details about the amount you have borrowed and the terms on which it has been loaned.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">Your solicitor will also need to obtain authority from the relevant Help to Buy provider to exchange contracts and subsequently complete the transaction.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">The offer made to you is only valid for three months, so if your conveyancing it delayed, you may need to apply for an extension. This may, however, incur an additional fee.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">Funds will be obtained from the provider by your solicitor, who will submit the appropriate documentation prior to completion.<\/span><\/p>\n<p><span style=\"font-family: helvetica, arial, sans-serif;\">If you are a first time buyer with a question about moving home, our residential property expert, Sarah Gaunt, would love to hear from you. Email: <strong><span style=\"color: #003a7a;\"><a style=\"color: #003a7a;\" href=\"mailto:info@tayloremmet.co.uk\">info@tayloremmet.co.uk.<\/a><\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>GET IT RIGHT FIRST TIME: Sarah Gaunt is here to help first time buyers get to grips with the conveyancing process. This month, she demystifies the Help to Buy application process\u2026 How do I apply for a Help to Buy mortgage? The Help to Buy scheme will lend you up [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":2188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[343,351,355],"tags":[765,840,1042],"class_list":["post-3785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-get-it-right-first-time","category-property","category-tayloremmet","tag-first-time-buyer","tag-help-to-buy","tag-mortgage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Demystifying the Help to Buy application process<\/title>\n<meta name=\"description\" content=\"Sarah is here to help first time buyers get to grips with the conveyancing process. 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