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Journey Tracker

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Ready to start your journey?

When you join Share a Mortgage you will begin your home buying journey. We provide a step by step journey tracker to help you through the process and keep you informed and up to date.

Get started on your journey today

Looking for a mortgage buddy?

Buddy Search

Use the buddy search to set your preferences for what you are looking for in a mortgage buddy.

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Group Search

Use this filter to search existing buddy groups on Share a Mortgage

Groups buying in

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Investor Search

Use this search to find other investors who are looking for buy to let properties.

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Investor Groups

Use the this search to find investors who have already formed a group and that are still looking for members with whom to invest

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Complete Help to Buy service for First Time Buyers
Including Mortgage Brokers, Solicitors & Surveyors

Call Now

0333 344 3234 (Local call charge) M-F 9am-6pm Sat 11am to 1pm

Help to Buy Southampton

Published on:

12/05/2016

We support you through the whole Help to Buy Process using hand selected mortgage brokers, solicitors and surveyors

Help to Buy Mortgage Brokers

Exclusive Help to Buy mortgage products with independent advisors who have access to the whole of the mortgage market - not just one mortgage lender. Book a free Independent Mortgage Broker appointment.

Conveyancing Solicitors

Specialist Help to Buy lawyers able to lead you through the complex process of buying your new build leasehold property. We provide Fixed Fee quotes protected by a No Sale No Fee.

Property Surveyors

We have a network of Local RICS surveyors ready to inspect your property to identify potential snags which can cost thousands of pounds to repair.

Help to Buy Agent for Southampton

The Help to Buy Agent for Southampton is Help to Buy South (click to go to website) and you can contact them at:

Address:

Radian Group,

Collins House,

Bishopstoke Road, Eastleigh,

Hampshire,

SO50 6AD

Email: reservations@helptobuysouth.co.uk

Tel: 0800 456 11 88

Help to Buy: Equity Loan (scheme ends in 2022) for First Time Buyers in Southampton; you'll need a minimum of a 5% deposit and a Help to Buy mortgage.

LISA instead of Help to Buy ISA

The Help to Buy ISA is no longer available since the 30th November 2019. There is a replacement scheme called Lifetime ISA (LISA). The Lifetime ISA has different rules around its use, however it can be used to fund the purchase of a property under the Help to Buy scheme.

What is Help to Buy?

The Government’s Help to Buy Equity Loan initiative in Southampton allows eligible people to buy properties with as little as a 5% deposit. The maximum purchase price of any property you buy is £600,000.

The Government provides you with a loan of up to 20% of the property's purchase price and you have to secure a mortgage for the remaining 75%.

For properties in the London area, the London Help to Buy scheme operates. It is broadly the same as the Help to Buy Equity Loan, except the Government provides a loan of up to 40% of the purchase price, to reflect the higher property prices in London, so a mortgage must be secured for the remaining 55% of the purchase price.

Help to Buy Southampton - Who is the local agent?

You can find out about properties which can be bought using the Help to Buy Equity Loan scheme in Southampton by contacting your local Help to Buy agent. You can find out their contact details by enquiring to the Southampton City Council, Southampton City Council, Civic Centre, Southampton, SO14 7LY, telephone 023 8083 3000.

Help to Buy Equity Loan repayments, mortgages and selling your home

When you use the Equity Loan to buy a property in Southampton, no repayments on the Government loan need to be made for 5 years.

The loan is cheaper to finance than it would be on the open market and you only have to get a mortgage for a maximum of 75% of the property’s value.

That said, the Government has a charge on your property in Southampton, worth up to 20% (40% for London Help to Buy), as well as the mortgage lender’s charge. Until the Government loan is repaid, on sale, the Government will be due up to 20% of on any increase in the property value.

If you would like advice more about the Help to Buy schemes, call 0333 344 3234.

Help to Buy Southampton - Recently Completed:

Mandalay, Forester Road, Soberton Heath, Southampton, Hampshire, SO32 3QG
12 Keppel Rise, Centenary Quay, Woolston, Southampton, SO19 9UD
65 Gordon Avenue, Southampton, SO14 6WH
167a Spring Road, Sholing, Southampton, Hampshire SO19 2NU
Holly Lodge, Empress Road, Lyndhurst, Hampshire. SO43 7A

Do you need Help to Buy Southampton Solicitors?

We tailor our Help to Buy conveyancing quotes to your specific transaction and include all of the work required to complete your conveyancing in our fixed fee. Our conveyancing solicitors help home movers throughout Southampton and the surrounding areas and ensure the quotes we provide are fixed and competitive.

Call 0333 344 3234 to get a fixed fee Help to Buy conveyancing quote tailored to your property.