The Governments help to buy scheme allows you to purchase a home with a minimum deposit of just 5 %. When using the help to buy scheme the government will lend up to 20% of the property value in England and Wales, 40% in London, or 15% in Scotland. You then take out a mortgage on the rest of the property’s value (so, if your deposit was 5% and your equity loan was 20% you’d take out a 75% LTV mortgage). What’s more, there’s no interest to pay on the government's equity loan of the first 5 years, after this interest will start to be charged on the amount of your equity loan.
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Representative Example: Annual Interest rate of 2.44% fixed for 2 Years followed by 3.59% for the remaining term. Representative 3.50% APRC Variable. Based on borrowing of 150,000 over 17 years repayments of £899 per month. Total amount repayable £198,466. Includes Lender Fee of £995 and Broker Fee of £695.
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