Our Independent Mortgage Advisors are not limited to one, or a specific group of mortgage providers, we can access products from the whole mortgage market place.

Need a Mortgage With Just a 5% Deposit?

These days many mortgages can seem out of reach. The Mortgage Guarantee scheme makes it possible to purchase a pre-owned or new build property under £600,000 with a 5% deposit. It could get your home-moving ambitions back on track.

Here's a quick summary of the important bits:

  • Available for pre-owned properties and new builds across the UK - up to the value of £600,000.
  • Both existing homeowners and first-time buyers are eligible.
  • Buyers need a minimum of a 5% deposit.
  • You must occupy the property and it must be your only property.
  • Available across the UK from participating mortgage lenders.

Find your perfect property, without losing peace of mind

Help to Buy is a government-backed scheme to support buyers who may previously have struggled to raise a sizeable deposit. It's the same as a traditional mortgage, except the government guarantees a portion of the loan to an affiliated lender (though the agreement is between the lender and the government, not you!). You will barely notice the difference.

So what do you need to know?

The Mortgage Guarantee scheme can only be used for property you intend to occupy, and must be your only property. A minimum deposit of 5% of the property value will be required. The rest is par for the course - as long as you tick the lender's boxes in terms of credit score and loan-to-income ratios.

Please contact us for some independent expert mortgage advice.