How Rising House Prices Have Increased Help to Buy Loan Debts

How Rising House Prices Have Increased Help to Buy Loan Debts

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.

Image Credit

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.

Image Credit

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:

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.

play tennis

How to master the fear of failing in the important points of your tennis

In this tennis course, I will help you master the fear of failing in the most important points of your tennis matches. We will also analyze how Belgian and former world number 1 Justin Henin uses these recommendations to dominate their fear and win the semifinal against Serbia Ana Ivanovic. We will also see that not only does Henin use these techniques successfully but most elite players including Rafa Nadal use these techniques to not let their fear control their tennis game. Read More “How to master the fear of failing in the important points of your tennis”

Some of the most common football injuries

Some of the most common football injuries

Football is a contact sport and footballers will always be at risk of injuries. Some injuries are more common with footballers than others, and injuries of the knees and feet are always associated with football. This is because there is a lot of twisting and turning when playing this sport. Read on to find out more about common football injuries.

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 can be helpful to have at hand if you do need support with your aerial.

Image Credit

Metatarsal Injuries

The metatarsals are the bones in your foot. A metatarsal fracture is a common footballing injury due to the fact that footballers use their feet and they are vulnerable to being trodden on and being involved in a tackle. The foot has 5 metatarsal bones stretching from the ankle to the toe, and they are quite vulnerable to injury as they are reasonably delicate in structure. The most common injury is a fracture to the fifth metatarsal.

Sprained Ankle

One of the most common injuries on the football field is a sprained ankle. Sprains are very common injuries that affect muscles and ligaments. Sprains happen when the ligaments around the joint are pushed beyond their limit. Sprains are classed by severity in degrees – they can be mild (first degree), moderate (second degree) or severe (third degree).

Image Credit

Hamstring Injury

Hamstrings are vulnerable in football due to the stretching of the legs and sudden movements during a match. These injuries can be mild to moderate to severe, depending on how much of the hamstring is damaged. Mild sprains of the hamstring may not be felt until after the activity, while moderate sprains are painful straight away. Severe hamstring problems are serious and the muscle is torn, resulting in intense pain and the inability to walk.

Sometimes wearing the right type of kit can make a big difference to your susceptibility to injury as a footballer. High quality kits can provide shin guards, quality football boots, protective gear and comfortable supportive kits to minimise injury risk.

Groin Strain

Groin strains are common as players reach and stretch to kick the ball. These strains happen due to over-extension of the adductor muscle in the inner thigh. These can be mild to severe and there is usually bruising that appears after the match. Ice should be used to treat the area and recovery can be days for mild issues or a couple of weeks for severe strains.