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But what are my options?
HELP TO BUY: EQUITY LOAN
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THE PROPERTY LADDER
HELPING YOU
HELP TO BUY
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«i>Ãi ëi> Ì > ->ià ÃÕÌ>Ì À ÛÃÌ ÜÜÜ°iÜ iðV°Õ
FIRST-TIME BUYERS CASE
STUDY
When Telford residents Samuel
Brant and Kathy Cook decided to
move in with each other, it meant
taking their first step on to the
property ladder. One of the first
challenges was getting enough
money together for a deposit on
a new house. After doing some
research, the first-time buyers
found that the Help to Buy Equity
Loan scheme could be a way of
doing that. It also allowed them to
look at a wider range of properties
they otherwise w uld ’t have been
able to afford. As Samuel said:
“The Help to Buy scheme allowed
us to widen our horizons when we
were shopping around and it gifted
us some financial breathing space.”
Knowing they could apply for
the Help to Buy Equity Loan,
they soon found an ideal house
which was near to their friends
and family as well as their work in
Telford. The new build property,
part of Taylor Wimpey’s Millenium
Village development in Ketley, had
everything they were looking for.
The Help to Buy: Equity Loan
scheme meant that after fulfilling
the required criteria and putting
down a 5% deposit, Samuel and
Kathy then received a government
loan of 20% giving them a very
welcome 25% deposit for their
dream three-bedroomed house.
This larger deposit also allowed
them to get better mortgage
terms.
With their equity loan nterest free
for the first five years, they could
enjoy all the benefits of their brand
new house with extra peace of
mind. For first-time buyers such
as Samuel and Kathy, Help to Buy
made all the difference getting on
the property ladder.
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