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



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0118 324 0432 (Local call charge) M-F 9am-6pm Sat 11am to 1pm Get a Help to Buy Online Quote
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Help to Buy Reading

23/11/2015
We support you through the whole Help to Buy Process using hand selected mortgage brokers, solicitors and surveyors

Help-to-Buy-MortgageHelp 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.



Help-to-Buy-ConveyancingConveyancing 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. Book a free Help to Buy Conveyancing Solicitor Quote.


Property-Survey.pngProperty 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. Book a free Help to Buy Home Buyers Survey Quote.


Help to Buy Agent for Reading
The Help to Buy Agent for Reading 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

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

NB The Help to Buy Mortgage Guarantee scheme ended 31 December 2016.

Help-to-Buy-ISA
TIP - Get your Help to Buy ISA
If you have not yet done so already you should look to take out a Help to Buy ISA through the Government. You can put in a one off lump sum of £1,000 to start along with your first monthly investment of £200 - remember for each £200 invested the Government contributes £50 towards the purchase of a property.  Click to find out more about the Help to Buy ISA .

What is Help to Buy?

The Government’s Help to Buy Equity Loan initiative in Reading 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.


Find out about properties which can be bought using the Help to Buy Equity Loan scheme in Reading by contacting your local Help to Buy agent. You can find out their contact details by enquiring to the Reading Borough Council, Civic Offices, Bridge Street, Reading, RG1 2LU, telephone 0118 937 3787.

The Help to Buy initiative also has some specific targeted schemes within it, most notable of which is Armed Forces Help to Buy (click to find out more).
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About Buying a home in Reading

Property Prices in Reading

The current average property price in Reading is £320,386 and this has increased by 13% compared to last year. As with any property purchase you must budget for if a property goes up in value, as well as down.
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Help to Buy Equity Loan repayments, mortgages and selling your home

When you use the Equity Loan to buy a property in Reading, 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 Reading, 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 0118 324 0432.

We have recently completed home moves for clients in Reading:

Completed Property
 186 Kentwood Hill, Tilehurst, Reading, RG31 6DL

Completed Property
 8 Matlock Road, Caversham Heights, Reading, Berkshire, RG4 7BS

Completed Property
 3 Rotherfield Way, Reading, Berkshire, RG4 8PJ

Completed Property
 10 Stanbury Gate, Spencers Wood, Reading, RG7 1SR

Completed Property
 44 Birdhill Avenue, Reading, RG2 7JU

Do you need Help to Buy 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 Reading and the surrounding areas and ensure the quotes we provide are fixed and competitive.

Call 0118 324 0432 to get a fixed fee Help to Buy conveyancing quote tailored to your property.

Help-to-Buy-Conveyancing-Specialists
 

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