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If you have saved a deposit of at least 5%, you might be able to use the government’s Help to Buy equity loan scheme – This has been around for a while but now there is a new version of which was launched in April 2021.
This scheme is available for first-time buyers in England, the scheme offers loans of up to 20% but up to 40% if you’re in London – of the value of a new-build home costing up to £600,000. The scheme is open to first-time buyers and those looking to move up the ladder.
The loan does not have any interest for the first five years, then you need to be aware that after this you’ll be charged 1.75% interest on the loan amount. Then after that, the amount of interest you pay will then rise in line with inflation, plus 2%. Just be aware that this will happen and also that the government will have the increased amount of equity in their share if the property value increases. Some people are fortunate enough or have become fortunate enough within the 5 years to be able to remortgage to pay the equity loan off.
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