for single people

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What's the deal for single house buyers?

Buying and renting options ......

Buying OR renting, up to date information for singles .......



How does the First Buy mortgage scheme help single house buyers?

A new ‘shared equity’ scheme announced by the Government in 2011, First Buy has been set up to help 10,000 first-time buyers to buy a new-build home.

What does it mean? How does it work?

Loans of up to 20% of the property’s value are provided by the government and the housing developer in equal shares (10% each in the case of a 20% loan). The buyer pays a deposit of 5% and takes out a mortgage for the remaining share.

This means you may only need to take out a mortgage of 75% of the property’s value, giving you access to cheaper deals than if you had to borrow a higher proportion. There is no interest charged on the equity loan in the first five years but after that you pay a fee on the loan of 1.75%, then a rate pegged to the official RTPI plus 1% each year.

After 25 years you will need to pay back the loan in full. (But once you’ve owned your home for a year, you’ll have the option of repaying all or part of the loan).