Welcome to our Help to Buy mortgages

Help to Buy

If you are buying a new build home, and could benefit from a helping hand with your deposit, then the Help to Buy scheme could be right for you.

A Help to Buy equity loan is available on new build homes in England, Wales and Scotland to both first-time buyers and home movers. This enables you to obtain a mortgage with a deposit from as little as 5%.

Shared Ownership provides an alternative affordable home scheme and is not restricted to new builds. It allows you to buy a share of the home and pay rent for the rest. This means you take a smaller mortgage, so the deposit required is lower. However, you need to make sure you budget for your monthly mortgage payments plus the rent.

Below are our options for Help to Buy mortgages:

Help to Buy
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Once the fixed, discount or tracker period of the mortgage ends it will change to the Residential Mortgage Variable Rate (RMVR) or if you have a Buy to Let Mortgage, the Buy to Let Variable Rate (BMVR), which is a different interest rate to the Society's Residential Standard Variable Rate (RSVR), although both are set by the Society. For further details see our Skipton Variable Rates page.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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