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At the Melton, we lend on Help to Buy properties throughout England and Wales for both purchase and remortgage including staircasing.
The Help to Buy Equity Loan scheme enables borrowers to buy a new build property through a registered developer up to 75% loan to value (55% in London), with a minimum 5% deposit from their own resources and the remainder provided by the government in the form of an equity loan. The equity loan is interest free for the first 5 years, at which point interest becomes payable.
The scheme is administered by local HomeBuy Agents who assess and approve all applications.
Applicants must meet the following minimum criteria for Help to Buy with the Melton:
We can consider Help to Buy remortgage applications in the following scenarios:
Important Information – All remortgage applications must be approved by your client’s Help to Buy agent before they can proceed.
Your client(s) must be in receipt of the Authority to Proceed (ATP) document from their local Help to Buy agent before you submit an application to us.
Our current range of mortgage products available for download in PDF format.Download product guide
Guidelines designed to give general guidance to mortgage brokers on the Melton’s lending criteria.View Lending Criteria
View our range of helpful guides and literature.Find out more
Search our FAQs for any questions you may have.Search our FAQ’s