Help To Buy

The Government’s Help to Buy scheme is aimed at encouraging more first time buyers to step onto the property ladder and for existing home owners to move up the ladder. This is particularly good news for buyers with small deposits (5% or over).

Equity Loans on New Builds

This began in April 2013 and allows purchasers of certain new build properties valued up to £600,000 to borrow up to 20% of the property’s value from the Government. You will require your own deposit of between 5% and 20%. These loans are interest-free for the first five years, after which, you will have to pay a monthly administration fee of 1.75% of the loan. Please note terms and conditions apply.


Mortgage & Protection for Life is a trading style of Paul Carter which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

There may be a fee for mortgage advice, the amount will depend on your circumstances, a typical fee would be £295.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered.

It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage-

you should think carefully before securing other debts against your home.

There are other ways to manage debt such as free debt advice charities,

you can find out more by contacting the money advice service:

https://www.moneyadviceservice.org.uk/en/tools/debt-advice-locator

these services may be more suitable for you.

Website Terms & Conditions

The Financial Conduct Authority does not regulate most buy to let mortgages.

*Paul Carter acts as a credit broker not a lender