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Taking your initial step on the property ladder can seem daunting, especially when it’s a struggle to save a deposit. The good news is the Help to Buy scheme has been established to assist anyone to purchase their first home.

The scheme is a government-backed incentive that can cover up to 20% of the property price, making it easier for your dream home to become a reality.

And, as there is a great variety of Help to Buy properties available in Liverpool, you could secure a house in the vibrant and dynamic city with as little as a 5% deposit.
 

What is the Help to Buy Scheme?

England offers many different options but the most popular one is the Help to Buy Equity Loan. Through this particular incentive, the government offers the buyer between 10% and 20% of the cost of their chosen home, meaning they only need a minimum 5% cash deposit and a 75% mortgage to make up the rest.

Currently, new build homes valued at £600,000 or less are covered by this incentive. What’s more, you won’t be charged interest on the 20% loan for the first five years of your home ownership.

The Help to Buy scheme has been extended until 2023 for those looking to buy their first property, so there’s never been a better time to check your eligibility.

For more information about buying a house in Liverpool, don’t hesitate to contact us today. Our friendly mortgage advisors are available to answer any questions and help guide you through the entire application process.
 

Help to Buy Properties in Liverpool

To make your property search a little easier, we’ve put together a list of homes for sale in Liverpool that qualify for the Help to Buy scheme (categorised by region).
 

Central Liverpool

From all-around convenience to endless options for fine dining and nightlife, Help to Buy homes in the heart of Liverpool offer the best of city centre living. Whether you prefer the old-world glamour of the Georgian Quarter’s terraced housing or the metropolitan lifestyle of the Baltic Triangle, you’ll enjoy amenities including regular and reliable transport, and easy access to some the city’s biggest live events.

Current Help to Buy properties available in Central Liverpool: Williamson Place
 

North East Liverpool

It comes as no surprise that properties in this area are often snapped up by first-time buyers and families, as the North East is known for its top-rated schools, leisure facilities and shopping. North East districts have fantastic transport links to surrounding cities; a house in Burscough, for example, is typically within reach of two rail lines. Knowsley offers an abundance of large detached and semi-detached homes, and there’s no shortage of things to do, with ample parkland and attractions like Knowsley Safari Park close by.

Current Help to Buy properties available in North East Liverpool: Nomvula Park, Acorn Fields, Melling View, The Grange at Yew Tree Park, Highfield Place
 

North West Liverpool

Northwest of central Liverpool, you’ll discover a range of idyllic suburbs that offer affordable housing options, reliable transport links and outstanding schools. Areas such as Sefton, Maghull and Melling are known for their ample green spaces, making them ideal for families and those partial to a relaxed atmosphere. Further on, you’ll find the coast, with sought-after residential areas like Formby, which allow you access to sweeping beaches, while still being within easy commute of the city centre.

Current Help to Buy properties available in North West Liverpool: Poppy Fields, St Elizabeth’s Place, Rainbow Fields, Dover Meadows, Sanderling Park
 

South East Liverpool

For an escape to a more rural setting, look to properties located in South East Liverpool. Roby, Speke and Huyton are some of the most popular residential areas, due to their close proximity to the countryside and coast. First-time buyers and families show great interest in these districts for their peaceful energy, local amenities and excellent schools, which have contributed to establishing a strong sense of community.

Current Help to Buy properties available in South East Liverpool: Callenders Green, Imagine Place, Nutwood, Willow Grange, Scotchbarn Rise, Summerhill Park, Wilson Chase
 

South West Liverpool

The suburbs of the South West are some of the most affluent and coveted areas in Merseyside. Situated within easy commute of Liverpool city centre, but far enough to have their own distinct histories and personalities. Districts like Allerton, Woolton, Mossley Hill, and Cressington offer you the best of both worlds. Perks to this area include excellent local schools, reliable transport for commuters, and a picturesque backdrop of historic architecture and green space.

Current Help to Buy properties available in South West Liverpool: Allerton Gardens

Have a question?

If you need advice for first-time buying in Liverpool – or if you’re looking for a reliable mortgage broker in the North West – don’t hesitate to contact us today.

We’re experts on all things mortgage-related (and our services are always 100% free).

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