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Many people dream of buying a home, but find the large deposit needed prohibitive. It can make getting on the property ladder seem like an impossible task.

Luckily, the government has made it easier to take the first steps towards home ownership with the Help to Buy scheme. The scheme means you can buy a house with as little as a 5% deposit, as you’ll be able to take out an equity loan of up to 15% of the property value. As the loan is interest-free for the first five years, you’ll also have lower mortgage repayments than you’d have with a standard mortgage arrangement. 

Help to Buy is available for first- and second-time buyers who do not already own a property, either inside or outside of the UK. With the Help to Buy scheme, you can purchase a new-build home up to the value of £600,000, as long as you plan to live in it and it’s not going to be used a buy-to-let property.

If you’re looking for Help to Buy in Southampton or Portsmouth, you’re in luck. No matter where you’re looking to purchase a property, you’re sure to find the perfect home for you with the Help to Buy scheme.

 

Central Southampton and Portsmouth

If you’re looking for Help to Buy homes in central Southampton or Portsmouth, there are plenty to choose from. You’ll be right in the heart of the action if you choose to live in the centre of one of these thriving cities, and you’re sure to find your dream home with a great variety of properties to choose from.

Help to buy properties available: None currently available.

 

North East

Discover brand new homes in north-east Southampton and Portsmouth with the Help to Buy scheme. Whether you’re looking for a detached house, semi-detached, terraced home or flat, there are plenty of houses to choose from. You’ll have the best of both worlds, as you’re situated close to the countryside of the South Downs whilst also having easy access to the cities.

Help to buy properties available in Southampton North East: Crofton Walk, Pasture Walk, Limewood Grange, Boorley Park, and Crowdhill Green.

Help to buy properties available in Portsmouth North East: Brookvale, The Haven, Montague Green, Southbourne Fields, The Beeches, New Fields, Catherington Park, and Graylingwell Park.

 

North West

If you want the best of countryside life, whilst being close to all the amenities of the city, you’ll love living in the towns and villages to the north west of Southampton and Portsmouth. Surrounded by the beauty of the New Forest, it’s the perfect location for families and outdoor lovers.

Help to buy properties available in Southampton North West: Fen Meadow.

Help to buy properties available in Portsmouth North West: Elm Green.

 

South East

Whether you’re a first or second time buyer, you’ll find a fantastic selection of Help to Buy properties to the south east of Southampton and Portsmouth. You’ll find a great choice of flats, terraced houses, detached and semi-detached homes for families, couples and young professionals looking for an easy commute to the city.

Help to buy properties available in Southampton South East: Monarchs Keep, and Latitude.

Help to buy properties available in Portsmouth South East: Windmill Views, and Mulberry Fields.

 

South West

The area to the south west of Southampton and Portsmouth includes the beautiful Isle of Wight, where you’ll discover a slower pace of life. It’s the perfect place for families and those who want a more laid-back lifestyle, and you’ll find a wide choice of Help to Buy properties in the area.

Help to buy properties available: None currently available.

 

Looking to buy a house in Southampton or Portsmouth? First Mortgage can help!

If you need advice on the best areas to purchase property in Southampton or Portsmouth, or you’re simply after a reliable mortgage broker, we’re here to help. Don’t hesitate to contact us online or give us a call today to use our complete and comprehensive mortgage service over the phone.

Have a question?

If you need advice for  first-time buying in Southampton or Portsmouth – or if you’re looking for a reliable mortgage broker in Hampshire – 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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