The government Help to Buy scheme offers eligible people the chance to purchase a home through one of three methods. For first time buyers there is the Help to Buy ISA, where you save for a deposit for your first home and the government will add 25% on top of your savings – up to a maximum of £3,000 extra. The provider of the ISA will also pay interest on your savings, tax fee – this can be as much as 2.5% but you should shop around for the current best deals. For full details click here.
The Help to Buy Equity Loan enables you to buy a new home with just a 5% deposit. The government lends you up to 20% of your deposit on a new build home, thus you will buy a home with 5% of your savings, 20% from the loan, with a 75% mortgage. There are no fees or interest to pay for the first 5 years, interest will be payable from year 6 onwards. For full details click here.
The Help to Buy Shared Ownership scheme is for people who cannot afford to purchase 100% of a property. Instead they buy between 25% and 75% of a leasehold property, and pay rent on the remainder to a housing association. You can purchase either a new build or preowned home if you are a first time buyer or a former homeowner. For full details click here.
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New Developments
We have many new homes sites across the county comprising a rich mix of country and urban living, executive and starter homes.
One The Brayford is a development that is selling fast. Based in the cathedral city of Lincoln, it’s a premium development of apartments overlooking the iconic Brayford Pool comprising 89 apartments and three restaurants. The Brayford waterfront is an area that has become central to Lincoln’s prosperity, with its busy bars and restaurants and shops in the city centre just a short walk away.
New Buyers
When you register through Pygott Plus we will ask you to specify your basic property requirements: property type (for example house, bungalow, detached); maximum price, bedrooms, and the areas in which you are looking.
You’ll automatically see all properties that match these requirements, and you can set up an email alert for future properties at the click of a button.
Why use us to find the most suitable mortgage
Pygott & Crone Financial Services search the entire market to find the best mortgage to suit your individual circumstances.
Whether you are a first time buyer, looking for an investment property, remortgaging, or moving home; our expert advisers will be happy to help.