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If you previously purchased a property using the Help to Buy scheme before its discontinuation, you still have options available in Bristol.
These include remortgaging your Help to Buy in Bristol or porting your existing mortgage to a new property.
Although the Help to Buy scheme has ended, various other options can help to buy in Bristol:
To determine if you qualify for mortgage schemes that help to buy in Bristol, various factors come into play.
Your eligibility depends on factors like whether you are a first time buyer, your income, deposit size and employment status. For instance, if you’re in the armed forces, the Forces Help to Buy Scheme might allow you to borrow up to 50% of your annual salary, interest-free, towards a new home.
Working with one of our mortgage advisors in Bristol can give you a clearer picture of which schemes best fit your situation.
Working with a mortgage broker in Bristol like us can significantly help to buy in Bristol, as we have direct access to a range of mortgage lenders, including specialist deals suited to your needs.
Our expertise can simplify the mortgage application process, whether you’re looking for low-deposit mortgages, interest-only options or specific government-backed schemes.
We offer tailored mortgage advice in Bristol, helping you understand your options and secure the most favourable mortgage terms in Bristol’s property market.
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Adam
Worth their weight in gold. Helped navigate a complex mortgage enquiry, we would have fallen at the first hurdle if we were applying on our own. Excellent response times and always kept us informed. Was on the fence about going with a broker at all...
1 year ago
James
Malcolm and his team are so helpful, from the first call I had to discuss options all the way to getting my mortgage offer today. Any query I've had they answered immediately and offered to talk through my options, my case worker Lizzi was...
1 year ago
Jessica
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
2 years ago
Anonymous
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
2 years ago
Eamonn
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
4 years ago
The Help to Buy scheme in Bristol was discontinued in 2023, meaning new applications are no longer accepted.
However, if you have already purchased a property using the scheme, you still have options like remortgaging or porting your mortgage to a new property.
To explore your next steps, it’s advisable to seek mortgage advice in Bristol to see what you can do in your situation.
Yes, it is possible to remortgage your Help to Buy property in Bristol.
When the initial fixed-rate period on your Help to Buy mortgage comes to an end, you can explore remortgage options with various lenders.
Depending on your equity and financial situation, you may be able to release additional funds or switch to a more competitive interest rate.
A mortgage broker in Bristol like us can help you find the best deal for your current circumstances.
Several schemes can help to buy a new home in Bristol, even though the original Help to Buy Equity Loan scheme is no longer available.
Options include Shared Ownership, Right to Buy, the First Homes Scheme, Lifetime ISA and the Forces Help to Buy Scheme.
Each scheme has its own criteria and benefits, so consulting a mortgage broker in Bristol is a great way to find the right fit for your circumstances.
Yes, first-time buyers have several options that can help to buy a new home in Bristol.
While the Help to Buy Equity Loan is no longer available, schemes like Shared Ownership, the First Homes Scheme, and using a Lifetime ISA can make buying a new property more accessible.
A mortgage advisor in Bristol can walk you through each option and help identify which is the best route for you.
Yes, remortgaging your current property can free up funds that may help to buy a new home in Bristol.
This process allows you to release equity that can be used toward a deposit on a new property.
Whether you’re looking to move up the ladder, invest in a buy to let property or find a more suitable home, a mortgage broker in Bristol like us can help you explore your remortgage options and how they can support your next purchase.
Start by booking your free mortgage appointment with our team to discuss your Help to Buy options in Bristol.
During this session, we’ll gather key information about your financial situation and property goals, setting you on the right path to buying your new home.
In your appointment, you’ll speak with one of our mortgage advisors in Bristol who specialises in Help to Buy.
They’ll explain the various options available to you, including alternatives like Shared Ownership or Forces Help to Buy and help identify which is most suitable for your circumstances.
After understanding your needs, we will search through 1000s of mortgages in Bristol.
By comparing a wide range of deals from high street banks and specialist lenders, we aim to find the most favourable mortgage tailored to your home-buying journey in Bristol.
Once you’ve decided on the right Help to Buy mortgage in Bristol, we’ll guide you through the entire application process.
Our team will handle all the paperwork and liaise with the lender, ensuring a smooth and stress-free experience as you take steps toward owning your new home.
We offer a free mortgage appointment to discuss your options, including the various schemes that can help to buy in Bristol.
This initial chat allows us to understand your needs and set up a clear plan to help you get onto the property ladder.
Our team searches through thousands of mortgage deals, including those tailored to Help to Buy and other home-buying schemes.
With access to both high street and specialist lenders, we work to find the right mortgage to suit your unique situation.
We pride ourselves on providing a friendly, straightforward service to support you through every stage of your Help to Buy journey.
From your first appointment to completing your mortgage application, we’re here to make the process as smooth and stress-free as possible.
Our expert mortgage advisors in Bristol are available 7 days a week to answer your questions and guide you through the Help to Buy process.
We work around your schedule, ensuring you have the support you need whenever it suits you.
Shared Ownership in Bristol allows you to purchase a share of a property (typically between 25% and 75%) and pay rent on the remaining share.
This is an ideal option if you have a smaller deposit or want to make buying a home more affordable.
Over time, you can increase your ownership through a process called ‘staircasing,’ which lets you buy a greater share in your property whenever you’re financially ready.
Right to Buy in Bristol allows eligible council tenants to buy their home at a significant discount.
The longer you’ve been a tenant, the greater the discount you may receive, making this a great opportunity to step onto the property ladder.
With this scheme, you can use the discount as part of your mortgage deposit, making it easier to secure a suitable mortgage deal.
The First Homes Scheme in Bristol offers new-build properties at a discount of 30% to 50% off the market price, specifically for first time buyers and key workers.
This scheme is designed to make homeownership more accessible in areas like Bristol, where property prices can be high.
The discount remains with the property, so when you decide to sell, it will be passed on to the next eligible buyer, keeping homes affordable for future generations.
A Lifetime ISA in Bristol is a savings account where you can deposit up to £4,000 annually, with the government adding a 25% bonus to your savings.
This bonus can significantly boost your mortgage deposit, making it easier to buy your first home in Bristol.
The funds saved in a LISA, combined with a suitable mortgage, can be a great way to step onto the property ladder.
The Forces Help to Buy in Bristol is aimed at members of the armed forces, allowing them to borrow up to 50% of their annual salary (capped at £25,000) interest-free to purchase a home.
This scheme can help cover a mortgage deposit and other buying costs, providing service members with a straightforward path to homeownership in Bristol.
It’s a flexible option for those in the military, tailored to their unique circumstances and mobility needs.
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Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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