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Help to buy
- Help to Buy is a government run equity loan scheme that means you could move into your dream Wyatt Home with as little as a 5% deposit.
- Open for applications from 16 December 2020
- Legal Completions from 1st April 2021
- Help to Buy is available to first time buyers only
- The government will lend you up to 20% of the full purchase price of new build properties outside of london and upto 40% in london so you'll only need a 5% cash deposit plus a mortgage to make up the rest.
- The Help to Buy equity loan can be repaid at any time without penalty or when you come to sell your home.
Visit the help to buy gov.uk to find out more, Here
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Wyatt Homes are pleased to be able to offer Help to Buy on all of our current developments. Should you have any questions regarding the HTB scheme or your affordability, our sales advisors will be happy to recommend one of our HTB and mortgage specialist for you to contact.
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We offer Help to Buy across all of our developments. The scheme applies to properties up to the value of £349,000 in the South West. You can apply for the Help to Buy equity scheme yourself, through the Help to Buy agent in your region, or some mortgage advisors will assist you with completing the form. Our recommended mortgage advisors take care of this for you.
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The help to Buy agent will assess your eligibility for the scheme and issue an Authority to Proceed to you and your solicitor. Current timescales can be found on their website. The Authority to Proceed document allows you to apply for a repayment mortgage and progress your application through to exchange of contracts.
Once your solicitor receives your mortgage offer they will process the relevant paperwork that Help to Buy require for an Authority to Exchange document to be issued. Current timescales can be found on their website.
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Once all the paperwork and dates are agreed and the home is built (i.e practical completion), the Help to Buy agent will issue a Transaction Confirmation. This allows legal completion and funds to be transferred to Wyatt Homes
After Legal Completion, the Help to Buy agent pass on your details to the Equity Loan Administrator to manage the equity loan account until it is paid in full.
Mortgage Calculator
This is a generic calculation that does not take into account the details of the individual product concerned, it should not be taken as an a guarantee that these rates are available or that you will be required to pay the amounts shown.
