First-time Buyer or Renter

Finding it difficult to get a mortgage?
Getting a mortgage during the current climate can be difficult, often requiring a large deposit just to obtain a reasonable interest rate. However, there are alternatives that could help you get your foot on the housing ladder. Low Cost Home Ownership products are available to people who can't afford to buy a home without help but who can meet the long-term financial commitment of home ownership. Many of these products are available through .

A Consortium made up of Stockton Borough Council, Fabrick Housing Group, Housing Hartlepool and Endeavour Housing Association has been appointed by the Homes and Communities Agency (HCA) as the Local HomeBuy Agent for Durham and Tees Valley and are called Time2Buy. As HomeBuy Agent, Time2Buy will deliver an important scheme helping families and single households to get on the property ladder, acting as a first point of contact for anyone seeking to buy a home through the HCAs HomeBuy affordable home ownership products. Over the coming year alone Time2Buy has £17million to assist in over 800 house purchases.

The Government's HomeBuy Scheme now known as Help to Buy

Help to Buy NEYH (North East, Yorkshire and Humber) is the government assigned low cost home ownership agent for the North East. Find more information and apply for schemes such as Shared Ownership, Rent to Buy and Affordable Rent by clicking the link Help to Buy NEYH

Other useful information

The Moneymadeclear website provides useful information on a variety of money related topics including:
  • Buying a home provides useful tips to consider when making your first home purchase
  • Renting a home provides information about costs that should be thought about when renting your home for the first time
  • Living on your own offers helpful information about things to consider when setting out on your own
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