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First Time Buyers

Buying your first home can be an exciting and a daunting experience. At The Mortgage Brain our advisers will talk you through the application process and the different government schemes available to you. You will also be assigned your own dedicated mortgage administrator who will keep you up to date at every step of the application process through to completion.

Help to Buy ISA

If you save money into a Help to Buy ISA, the government will boost your savings by 25%.  So for every £200 you save, you will receive a government bonus of £50, the maximum you can receive is £3,000 per person. So if you are planning to buy a house with your partner the maximum bonus you can receive would be £6,000.

Tell me more about Help to Buy ISA's... Download FTB factographic

Equity Loan

The government will lend you up to 20% of the cost of your newly built home, you will only need a 5% cash deposit and a 75% mortgage to make up the rest.

Tell me more about Equity Loans...

Shared Ownership

Helps you buy a share of your home between 25% and 75% of the home's value and you pay rent on the remaining share.  You will then be able to buy further shares when you can afford to.

Tell me more about Shared Ownership...

London Help to Buy

For people living in a London borough, when you put down as little as a 5% deposit on a newly built home, you can get a government equity loan for up to 40% of the purchase price.

Tell me more about London Help to Buy...

Other costs to consider when buying your first home:

  • Mortgage arrangement
  • Valuation fees
  • Stamp Duty
  • Solicitor's fee
  • Survey cost
  • Removal costs
  • Buildings Insurance and Life Cover


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