Help to Buy Agent for the South has helped hundreds of people to purchase or rent their new home.  Here are just a few of the success stories:

Because of the Equity Loan, we live in a home we adore

Because of the Equity Loan, we live in a home we adore

Abigail Fullard and John Porter from Oxfordshire, looked into the Help to Buy Equity Loan scheme after it was recommended to them by a family member, who is also buying a new home.

Abigail and John, a Nurse and an RAF Chef, were living with parents when they came across a home that gave them butterflies, and found that it was available through Help to Buy. "We chose a small development in a beautiful village that gave us butterflies as soon as we walked into the site."

After researching the scheme some more, the couple applied for the Help to Buy Equity Loan scheme and were able to place an offer on their house. They are now thrilled to be living in a home they adore. "There was a lot of paperwork, but we had a Financial Advisor who was wonderful and always there if we had any questions."

With the Help to Buy Equity Loan, the Government lends you up to 20% of the cost of your home, so you'll only need a 5% deposit and a 75% mortgage to make up the rest. As well as that, you won't be charged any fees on the loan for the first five years of owning your home. *
Abigail and John are delighted with their new home and say that choosing Help to Buy is "the only way we could afford to buy a house" and "it also meant we could afford to live in the area we wanted in a house that was ready to move into rather than needing a lot of work."
We asked them what their favourite part of their new home is, "Our garden, as it is huge and has side access. It's also south facing so gets sunlight all day." Abigail says, "We have one of the biggest gardens on the site."

Asked if they would recommend the Help to Buy Equity Loan scheme to others Abigail says, "Yes, as our interest rate and monthly mortgage repayments are lower which is much more manageable."

* The equity loan is interest free for the first five (5) years, but in the sixth (6) year of ownership, a fee of 1.75% of the equity loan based on the market value at the time you purchased is payable monthly, rising annually by the increase (if any) in the Retail Price Index (RPI) plus 1%. This is applicable if you have not paid back your equity loan by the end of year five (5). An illustration will be given to you at the time of purchase.