Help to Buy in Nottingham

Get Your Free Appointment 7 Days a Week

0115 860 2193 Book Online
Reviews io White Logo

Read our 284 Reviews

Reviews IO Stars

Help to Buy in Nottingham – Mortgage Advice Across All Schemes

The Help to Buy Scheme is always a popular option for first time buyers in need of help getting onto the property ladder. With the help of a trusted mortgage advisor in Nottingham, you will hopefully be able to experience a stress-free mortgage process, overcoming any hurdles in your way.


Your dedicated mortgage advisor in Nottingham will always be on hand, to provide support and guidance throughout your journey. We always aim to give you a much deeper understanding of how a Help to Buy in Nottingham will work. Our team will always have your best interests at heart.

How do you qualify for a Help to Buy in Nottingham?

As a part of our personalised service, we will help you to figure out if you qualify for a Help to Buy in Nottingham, (see the government OwnYourHome site for more info). A Help to Buy in Nottingham can only be accessed by first time buyers.


You must not own any other property, meaning if you already own a home, you are prohibited from buying a second home with this scheme.  You are also not allowed to take part in any part-exchange and sub-letting deals.


As an expert Mortgage Broker in Nottingham, we are here to provide mortgage advice to those looking to use a Help to Buy in Nottingham, no matter which scheme. To learn more about the various schemes available, or to get started with your own Help to Buy in Nottingham, book your free mortgage appointment and we’ll see how we can help.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 004
Mortgage Lenders 006

Expert Mortgage Advice for Help to Buy in Nottingham

Our team of honest and open mortgage advisors in Nottingham will always recommend the deal they believe is best for you. They will work hard to make sure that you are happy, stress-free, always kept well informed and are secure throughout your Help to Buy in  Nottingham.


A Help to Buy in Nottingham helps first time buyers to buy a new-build home with only a 5% deposit. Generally speaking, Help to Buy Shared Ownership deposits are lower than traditional buying.


Book your free mortgage appointment with a mortgage advisor in Nottingham to get started with your Help to Buy in Nottingham.


Help to Buy in Nottingham – Do I Qualify?

Before we take a look at helping you to obtain a Help to Buy in Nottingham, we need to see if you qualify for any of the  available Help to Buy Schemes.


You must be a first time buyer, purchasing a new-build property. You cannot already own a home and cannot take part in sub-letting or part-exchange. The maximum property price that this scheme can be used on, depends entirely on the area you are looking to purchase a home with.


To learn more about the various schemes available and how they can help you as a first time buyer in Nottingham, get in touch with one of our expert Help to Buy mortgage advisors in Nottingham, or visit the government OwnYourHome website.

Why should you choose us as your mortgage broker in Nottingham?

As a trusted and experienced mortgage broker in Nottingham with well over 20 years of providing mortgage advice in Nottingham and surrounding areas, we have become rather accustomed to helping first time buyers get onto the property ladder using a Help to Buy in Nottingham.


A dedicated mortgage advisor in Nottingham will be on hand to answer all of your mortgage questions. If your potential home meets the criteria for a Help to Buy in Nottingham, we can also look through the paperwork with you, even being able to liaise with the home builder or an estate agent if you need help with that.


We are also able to provide advice regarding surveyors or solicitors, pointing you in the right direction and explaining what you need to do. During your initial free mortgage appointment, your dedicated mortgage advisor in Nottingham will explain all of the figures to you, outlining the possible monthly costs for you once you have obtained a mortgage.


As providers of a fast and friendly mortgage advice service, we are here to guide and support you across every step of your mortgage process. Book your free mortgage appointment online today and we will see how we are able to help you.

Reviews Stars4.95 Rating284 Reviews

Common mortgage

A Help to Buy mortgage in Nottingham typically requires a minimum deposit of 5%.

Our dedicated mortgage advisors in Nottingham will provide you with a free mortgage appointment that typically lasts around 30 mins.

During this appointment, we will gather information about your financial and personal situation.

Based on the information obtained during the consultation, your mortgage advisor in Nottingham will then search for the ideal mortgage deal tailored to your specific needs.

If you are satisfied with the mortgage offer presented by your mortgage advisor in Nottingham, the next step is to proceed with your mortgage application.

Our mortgage process is composed of several stages. Firstly, we will ask you to complete our Fact Find to provide us with a clear understanding of your mortgage needs and goals.

Next, you will have a free appointment with a mortgage advisor in Nottingham, who will begin searching for mortgage options that are tailored to your individual circumstances. If we find a suitable offer that meets your requirements, we can proceed with your mortgage application.

To obtain an agreement in principle, we will conduct a credit check on you and gather supporting documents to validate your mortgage application.

Once we have submitted your mortgage application, we will wait for a formal mortgage offer to be issued.

We highly recommend obtaining an agreement in principle before you start viewing properties if you’re planning to apply for a mortgage.

This is because an agreement in principle is usually required to make an offer on a property, and it can also help you negotiate prices.

As a mortgage broker in Nottingham, we can help you to obtain an agreement in principle from a mortgage lender, which demonstrates their willingness to grant you a mortgage based on your financial circumstances.

With an agreement in principle in place, you can have a better idea of what properties you can afford and approach the buying process with more confidence.

The validity period of an agreement in principle (AIP) typically ranges from 30 to 90 days, but this may vary depending on the specific mortgage lender.

In case your AIP expires before you find a suitable property, you can easily renew it by contacting your mortgage advisor in Nottingham or the mortgage lender.

As a mortgage broker in Nottingham, we often see customers seeking a second mortgage for various reasons. Some of the most common reasons include:

– Consolidating debt.
– Making home improvements.
– Investing in a buy to let property.
– Other reasons, such as purchasing a holiday home or helping a family member with a mortgage.

Obtaining a mortgage may be a bit more challenging if you have a history of bad credit, but it’s not impossible!

In such cases, some mortgage lenders may require a slightly larger deposit from you, typically around 10-15%.

Whilst this is the case, there may still be many options available to you, and as an experienced mortgage broker in Nottingham, we can help you find a mortgage lender that is willing to work with your situation.

Submitting at least one year’s worth of accounts increases your chances of getting approved for a mortgage.

The mortgage lenders we work with typically consider your salary plus dividend to determine the maximum mortgage amount.

Some lenders may base their calculations on your net profit. The criteria varies from lender to lender.

– Photo ID (Driving license, Passport, etc.).
– Proof of Address (Utility bills, tax bills, credit card statements, etc.).
– Latest 3 months’ payslips & Latest P60 (employed applicants)
– Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
– 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.

Typically, your free mortgage appointment in Nottingham will take approximately 30 mins.

After the appointment, we can provide you with an agreement in principle, usually within 24 hours. Once you have decided to proceed, the next step is to submit your mortgage application.

On average, it takes about three weeks to receive a formal offer from the mortgage lender.

We make it so easy!
Our 4 step process

Step 1

Give us a call and a Mortgage Advisor in Nottingham will recommend the best Help to Buy scheme based on personal circumstances.

Step 2

Enjoy finding your dream home in Nottingham

Step 3

Make an offer on the property and once accepted, we will progress your mortgage application.

Step 4

We will be here to answer all of your mortgage questions right through till you get your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & Nottinghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2023 Nottinghammoneyman

Nottinghammoneyman, Gothic House, Barker Gate, Lace Market, Nottingham, NG1 1JU.

Moneyman Logo

Moneyman Logo

Moneyman Logo

Ask Your Question

    Moneyman Logo

    Moneyman Logo

    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo