{"id":94985,"date":"2018-07-30T13:00:20","date_gmt":"2018-07-30T06:00:20","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/is-it-right-to-be-cautious-about-the-help-to-buy-scheme\/"},"modified":"2018-07-30T13:04:03","modified_gmt":"2018-07-30T06:04:03","slug":"is-it-right-to-be-cautious-about-the-help-to-buy-scheme","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/is-it-right-to-be-cautious-about-the-help-to-buy-scheme\/","title":{"rendered":"Is it right to be cautious about the help-to-buy scheme?"},"content":{"rendered":"


\nHelp-to-buy is not an option if you don\u2019t want a new-build home \u2013 and interest rates can be higherQ In your opinion is help-to-buy a good option? Both my sons \u2013 who are 30 and 35 \u2013 have been renting for 15 years but now want to get on the property ladder. They have looked into the help-to-buy scheme in some depth but remain unsure. I\u2019ve read such negative things about the help-to-buy scheme and don\u2019t want them to live a life of fear and stress should they go down this path. Is it better to save longer for a bigger deposit buying an older property?DMA I think your sons are right to exercise caution about the help-to-buy scheme. And if they can afford to purchase property without using help-to-buy, it would make a lot of sense. And that\u2019s not just my opinion. In the Help to Buy Buyers\u2019 Guide published by the Homes and Communities Agency (HCA) it says: \u201cIf it looks like you can already secure a 90% mortgage you should think carefully whether a help-to-buy equity loan is right for you. There may be better options for you to consider.\u201d Continue reading…
\n
\nSource : theguardian.com
\nRead more…Is it right to be cautious about the help-to-buy scheme?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Help-to-buy is not an option if you don\u2019t want a new-build home \u2013 and interest...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-94985","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-oI1","jetpack-related-posts":[{"id":165534,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/hong-kong-talent-scheme-they-came-for-jobs-will-they-stay-to-buy-homes\/","url_meta":{"origin":94985,"position":0},"title":"Hong Kong talent scheme: They came for jobs. Will they stay to buy homes?","date":"November 22, 2025","format":false,"excerpt":"\r In a spacious three-storey village house in Sai Kung on a recent sunny Saturday, Chen Wei and his family were unpacking the final boxes after their move from Shenyang, the capital of China\u2019s northeast Liaoning province. Having come with his wife and two sons under Hong Kong\u2019s Top Talent\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10592,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/emirati-buyers-targeted-in-al-forsan-rent-to-buy-scheme-in-abu-dhabi\/","url_meta":{"origin":94985,"position":1},"title":"Emirati buyers targeted in Al Forsan rent-to-buy scheme in Abu Dhabi","date":"April 13, 2016","format":false,"excerpt":"\r \r Al Forsan, the Abu Dhabi-based sports resort and housing complex, has come up with a \"rent-to-buy\" offer targeting Emirati buyers.At Cityscape Abu Dhabi, the government-owned developer said that it was offering rent-to-buy as an option for 50 of the 385 villas and town houses it has completed in\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":64890,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/does-the-help-to-buy-scheme-really-offer-the-best-rates\/","url_meta":{"origin":94985,"position":2},"title":"Does the help-to-buy scheme really offer the best rates?","date":"August 29, 2017","format":false,"excerpt":"\r I\u2019ve offered my daughter a loan but she thinks the government scheme will be a better betQ My daughter is a first-time buyer and wants to use the government\u2019s help-to-buy scheme even though I have offered to give her \u00a350,000 as a deposit on a \u00a3200,000 house. She thinks\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":116816,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/will-help-to-buy-restrictions-cut-the-price-of-new-builds\/","url_meta":{"origin":94985,"position":3},"title":"Will help-to-buy restrictions cut the price of new builds?","date":"June 1, 2020","format":false,"excerpt":"\r I am unsure whether to postpone a purchase until the scheme no longer applies to most buyers Q I am looking into buying a new-build property and am considering using the help-to-buy scheme. I have weighed up the benefit of using the scheme and feel the interest savings over\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1268,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/london-help-to-buy-scheme-to-launch-in-february\/","url_meta":{"origin":94985,"position":4},"title":"London help-to-buy scheme to launch in February","date":"January 12, 2016","format":false,"excerpt":"\r Government\u2019s equity loan programme will be extended to buyers in the capital, allowing them to borrow up to \u00a3240,000 for a new-build property A government scheme offering homebuyers in London loans of up to \u00a3240,000 to help them buy new-build properties will go live on 1 February.Help to buy\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":27779,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/closure-of-help-to-buy-scheme-confirmed-by-philip-hammond\/","url_meta":{"origin":94985,"position":5},"title":"Closure of help-to-buy scheme confirmed by Philip Hammond","date":"September 29, 2016","format":false,"excerpt":"\r Chancellor says aims of mortgage guarantee scheme, to shut by end of 2016, have been \u2018successfully achieved\u2019Philip Hammond has confirmed that the government\u2019s help-to-buy mortgage guarantee scheme will be closed by the end of the year, another flagship policy of former chancellor George Osborne now abandoned by the Treasury.In\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/94985"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=94985"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/94985\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=94985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=94985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=94985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}