Government HomeBuy assistance first-time buyers

If you are on a low income or need to live in an area with high property prices, you may be wondering if you'll ever be able to afford a home of your own.

But don't despair

A range of Government-backed ‘HomeBuy assistance’ schemes have been set up to help buyers just like you climb onto the housing ladder.

They offer an affordable alternative for people including key workers (ie key public sector workers like the police, nurses, firefighters and so on) whose earnings would be unlikely to qualify them for the size of mortgage necessary to buy in the traditional way in their chosen area.

Would I qualify?

Each scheme has its own eligibility criteria, but you may qualify if you are

• A tenant of a council or housing association

• On the housing register, waiting for a council or housing association home

• A key worker, such as a nurse, teacher or police officer

• A first-time buyer who can't afford to buy a property

Want to talk with a mortgage adviser who specialises in helping First Time Buyers?

We can put you in contact with a professional mortgage adviser who will find you your best mortgage. It's free and completely confidential. Simply fill out the form below

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To check the Best Buy Tables for todays best value First Time Buyer's mortgages Click here

Important note about your credit rating

Many websites don't make it clear that filling in their mortgage enquiry form means you might be credit checked.

This can put you at risk.

UK Mortgage lenders may assume an enquiry you have aleady made to another lender means you were turned down - and not that you are in fact carefully shopping around and rejecting the bad deals.

The best way around this significant problem is to ask an independent mortgage adviser to make anonymous enquiries for you.

Without risking your credit score an adviser can find you the best available mortgage deal. They will also know how likely you are to be accepted by the lender if you decide to make a formal application.

If you would like a recommended adviser to check out the best deals for you, anonymously, simply fill in the quick form below.

" Hmm..." You might think; "Won't I be hounded by a salesman hungry for my business? "

This is the most common question we hear from our users.

The answer is no you won't.

Firstly your enquiry is only passed to ONE person on a carefully vetted list of independent advisers.

Secondly, these mortgage advisers are professionals. Even when the market is slow they are busy people. There many people who need to move homes, or get a remortgage and are looking for advice all the time. Regardless of the state of the property market, life goes on.

So the advisers don't have time to hassle people. It just doesn't work like that. No one is gong to be forced into taking out a mortgage unless they really need one.

The advisers are very used to talking with people, perhaps like yourself, who are only "dipping their toes" into the water.

Many people just want an initial quick chat and if they feel comfortable will ask the advisor to contact them again later - often in several weeks or months. As a professional, the adviser will simply diarise this and call back at the appropriate time. There is no obligation at all.

(In the unlikely event that you ever feel at all "hassled" by someone on our list please let us know immediately. We have never heard of this. But if it happened we would definitely want to know).

Mortgage Guide
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First time Buyers Guide
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Government ‘HomeBuy’ assistance for cash-strapped UK first-time buyers and Key Workers

Read on about Mortgages for First time Buyers

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Important note about your credit rating

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Mortgage Guide Click for Full Contents

First time Buyers Guide Click for Full Contents

Government ‘HomeBuy’ assistance for cash-strapped UK first-time buyers and Key Workers

Read on about Mortgages for First time Buyers

Read On / Mortgage Guide

Read On

Important note about your credit rating

Complete A-Z

Enter what you are looking for in the box below

Browse over 200 Free Mortgage Tips

Site Help

Mortgage Guide
Click for Full Contents

First time Buyers Guide
Click for Full Contents