Help to buy scheme

Plumlife helps eligible working people to step either on or up the property ladder, offering a range of schemes funded by the government. Help to Buy schemes are designed to reduce the costs of home ownership by lowering the deposit required by lenders, and also keeping monthly repayments down.

You can access free, impartial financial advice through Plumlife's regional panel of independent mortgage advisers. Get help and advice on which schemes suits you best and how to secure the most suitable mortgage product for you.

Shared Ownership is a popular part-buy, part-rent scheme for people who can't afford to buy a home with a commercially-available mortgage.
It's backed by the government, and is a way to buy a share in a home now with the option to buy more of it in the future. You'll need a minimum level of income/savings depending on the value of the home you want to buy.

Help to Buy - Equity Loan offers prospective buyers a 20% equity loan, funded by the Homes and Communities Agency (HCA). Buyers need only come up with a 5% deposit.

Unlike Shared Ownership and other schemes, the Help to Buy - Equity Loan isn't only available to first time buyers, and there is no income threshold.
There are hundreds of new-build homes available to buy through the scheme from the UK's top house builders including Strata, Taylor Wimpey, Persimmon Homes, Barratt's and Redrow.

For information on affordable homes in the North West and South Yorkshire area, please contact Plumlife on 0161 447 5151 or visit the website: