Mortgage stress

[SiriusVServeus]

So hubby and I want to purchase a house this year we have around 20k saved. Then Covid happen . I've received feedback from two different mortgage brokers due to this there is a limited supply of 10% mortgages being offered. They are keen to push the h2b scheme. Hubby and I aren't really keen on new builds.

My question is , do we wait a few months and see what's on offer later? Or have a look at what's being offered now? Or review and have a look into h2b?

Wait. Worst thing you can do right now is buy a help to buy. They are already over valued. A paltry 10% crash could wipe out your 20k. Wait 6 months, you may get a bargain but in the meantime keep saving.

Avoid Help To Borrow at all costs, it is there to help developers/banks not you.

Another one here saying avoid help to buy at all costs.
They bump the price of the house up and help builders not homeowners.New homes are priced higher anyway and reduce in value,and prices are already dropping on all housing

I would wait,and then bypass the brokers completely