Help to buy

[Mami16]

Hi looking for advice on help to buy.

In the affordability do they count tax credits, child benefit and child maintenance as income?

I'm looking to buy a house for us but struggling because of my income but adding the tax credits, child benefit and child maintenance then it bumps it up a bit.

Any advice please
Thanks

Are you looking to buy through a help to buy scheme? We brought ours through a scheme and they took DLA, child benefit and child's tax credit into account. It was ten years ago though so may have changed x

The Help To Buy scheme is a great way for first time buyers to get onto the property ladder.

Lots of housing associations offer this, you can find this out by looking online as to why is available in the areas you are looking for

Forgot to add this in my previous message but there are lots of Housing associations that offer help to buy such as propertybooking.co.uk.

But you can also try to official Help to buy page helptobuy.gov.uk

See what properties you can find to suit you

Thank you for your help. Not sure which mortgage provider to go for. With the help to buy can you put more than 5% deposit down? I need the 20% government loan to be able to buy a house around here I will just have to put more than 5% deposit down

Yes you can put down a bigger deposit and still get the 20% help to buy loan.

Thanks @ThatIsNachoCheese

There's a new build around me at the moment which I'm interested in, need to enquire about it and get the ball rolling.

Thanks everyone. Will have to go round and see the best mortgage deals around.