Get on the property ladder or upsize with a Help to Buy Scheme

We can arrange mortgages for the 95% Mortgage Guarantee Scheme, Deposit Unlock Scheme and Shared Ownership Scheme.

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Compare The Top Help to Buy Mortgage Deals

Get access to high-street lenders as well as specialist products
that aren’t available directly.

Need a Commercial Mortgage?

Find out how much you can borrow and what commercial mortgage rates are available to you with one simple chat.

Are you thinking of buying a commercial property for your business or to rent out to tenants? Our friendly commercial mortgage advisors will search the market to find the most suitable deal for your situation.

When you’re ready, we’ll apply on your behalf and liaise with all parties to ensure your journey is a success.   

We can also arrange a Mortgage in Principle so you can start making strong offers on properties you love whilst your main application is being processed.  

Simply talk to an advisor to get going!

Don't just make our word for it

Hear from some of our amazing customers

If you’re struggling to save a large enough deposit for your first or next home, you may benefit from one of three Help to Buy Schemes on offer. With these schemes you can buy a property with as little as a 5% deposit, or choose to part buy and part rent and then work towards full ownership over time. Whether you’re a First Time Buyer or Home Mover, you may be eligible or one or more of these schemes. Read about them below or book a chat with one of our friendly advisors to find out more.

Shared Ownership Scheme

The Shared Ownership Scheme allows you to buy a share of a home and rent the remaining share. You can then work towards full ownership over time. For the share you do own, you’ll need to put down at least a 5% to 10% deposit and then qualify for a repayment mortgage for the remainder. To learn more about this scheme and to see if you’re eligible, please read our guide.
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95% Mortgage Guarantee Scheme

The 95% Mortgage Guarantee Scheme allows mortgage lenders to offer 95% loan-to-value mortgages so you can purchase a home with only a 5% to 9% deposit. The property must cost no more than £600,000 and it cannot be a new build. To learn more about this scheme and to see if you’re eligible, please read our guide.
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Deposit Unlock Scheme

The Deposit Unlock Scheme allows mortgage lenders to offer 95% loan-to-value mortgages so you can purchase a home with only a 5% to 9% deposit. Unlike the 95% Mortgage Guarantee Scheme, the Deposit Unlock Scheme is only for new build properties from participating home builders. To learn more about this scheme and to see if you’re eligible, please read our guide.
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Why Get a Help to Buy Mortgage Through Us?

We’re not affiliated with any particular lender, so our advice is impartial.

Only approaching high street lenders can limit your options. We search a wide range of deals from across the market, including specialist lenders and exclusive deals that are only available through commercial mortgage brokers like us.

We don’t run a credit check on you, so your credit score is not at risk.

We don’t need to run a credit check when searching available mortgage deals for you. We also only apply for deals you’re likely to be accepted for – this is important, because being rejected by a mortgage lender can damage your credit score.

Before you get the right Help to Buy mortgage, you need to get the right advice.

We’re impartial mortgage advisors with over 30 years’ experience dealing with Help to Buy Schemes. We’ll discuss your situation and needs, and then guide you every step of the way.

We’re Award-Winners!

We were voted ‘Best Advisor Firm in the South’ in 2019, 2020, and 2021, and ‘Best Advisor Firm with Over 11 Advisors’ in 2023 by HLPartnership – one of the UK’s most trusted mortgage and protection organisations.  

We’ve also been helping people like you for over 30 years… so we know what we’re doing!

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Why Use Michael Usher Mortgage Services?

Award-winning

We’ve won multiple ‘Best Advisor Firm’ awards from HLPartnership, one of the UK’s most respected mortgage broker bodies.

5* Rated

We consistently receive great reviews from our customers, and we’re rated 5* on
Trustpilot & Google Reviews!

30 Years of Experience

We’ve been helping people like you for over 30 years. During this time, we’ve grown into one of the most trusted mortgage brokers in the South of England.

Easy Application

We make the mortgage process quick and easy. You’ll just need to chat to us once and then we’ll do all the hard work for you!

Real People

We’re a friendly team of real people in a real office, and we can help you with your convenience in person, on the phone or via video call.

Impartial Advisors

We’re not affiliated with any particular lender, which means we can recommend products based purely on your situation and needs.

 

Wide Range of Deals

We search deals from across the market to find the right mortgage for you, including specialist and exclusive deals that are only available through brokers like us.

Protect Your Credit

We don’t run a credit check and we only apply for deals you’re likely to be accepted for – to protect your credit score and make your mortgage journey smoother.

FAQs For Remortgaging

Everything you need to know about remortgaging.

Got More Questions?

Our friendly advisors are ready to help you on the phone, via video call, or in person. Simply book a chat at a time that suits you! 

It’s as simple as ABC… But it’s not ABC.

How it works

We don’t just find you the right mortgage, we make it easy as well.

Ask

Spend seconds filling out a few questions online or give us a call to book your FREE consultation.

Relax

We'll find you the right deal, handle your application, and guide you through the whole process.

Enjoy

This one’s self-explanatory, just sit back and enjoy the fruits of your new mortgage!