Who is eligible?

  • This scheme is now available to all buyers (rather than just first time buyers)
  • You can obtain a capital repayment mortgage with a qualifying lender
  • You have access to a minimum 5% deposit and be able to cover your legal fees
  • You are not a buy-to-let investor and the property must be your only property at the time of completion
  • You must meet the sustainability requirements (i.e. no more than 4.5x your gross household income)
  • Please click here for the sustainability calculator and guidance
  • As standard all assessments are based on a 25 year mortgage term,we may have the discretion to reduce or extend the mortgage term (up to a maximum of 40 years in cases where affordability is border line) and you must have the relevant working years.