For those who need a little leg up on the property ladder, the government’s Help to Buy loans are important and a helpful way to get started, with the government help putting a deposit down during a time when house prices are high and continue rising. However, during the repayment process, many people selling their home are now facing higher debts from the Help to Buy scheme.
How does it Work?
The Help to Buy loans from the government are for first time home owners looking to put a deposit down on a newly built home. The homebuyer can borrow up to 20% of the cost of the home from the government. This loan is interest free for the first five years, however, repayments must begin to the government in the sixth year. If you decide to sell your house with an existing Help to Buy loan within 25 years, the amount you will need to repay depends on the market value of your property.
What is Happening?
People who have used the Help to Buy loans on their homes are facing increased debts on their loan due to the rising house prices. This is as a result of the value of the property increasing. Those who have used the loan scheme and bought their newly built home years ago, are now facing paying back more than they borrowed when they initially took out the loan because the market value of their home has increased.
If you borrow 20% of the purchase price, the rules of the Help to Buy repayment are that you have to pay back 20% of the value of the property after 5 years partially using the staircasing system, in full without selling it, or in full upon sale.
The Repayment Process
If you are looking for advice on the Help to Buy repayment process to avoid any confusion as to how much you will owe when you come to sell your property, or if you are looking to repay your Help to Buy loan in full without selling or upon sale, or even if you want to know how much you will owe, or are looking to get on the property ladder and are interested in a future Help to Buy loan, it is important to find a reputable company such as Sam Conveyancing that can provide information such as that seen here: https://www.samconveyancing.co.uk/news/conveyancing/help-to-buy-loan-repayment-5182.
The repayment process can be managed in different ways and it is important to have a reputable company on your side so that they can advise you accordingly.
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The amazing thing we can do now is watching the injuries back by rewinding and recording the sports we watch on television so if you haven’t updated your aerial recently a TV Aerials Cardiff specialist could help.
We can watch programmes at the local pub or at home so sites like https://www.onevisionltd.co.uk/tv-aerial-installation-cardiff can be helpful to have at hand if you do need support with your aerial.
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