About Help To Buy

With housing costs rising and fewer 95% mortgage products available, the government backed help-to-buy and other schemes offer several opportunities.

There are several options that are all part of the UK Government backed schemes and we can talk you through your options when it comes to purchasing a house when making use of one of them. These schemes include:

  • Shared Ownership: Where you buy a portion of your home and pay rent on the other part.
  • Equity Loan: Borrowing up to 20% of the purchase price from the government, meaning you may only need a 5% deposit.
  • Discounted Sales: If you want to buy a home where you have a local connection, this scheme could help you do that with a 25%-50% discount.

Our process

Here at Corkers financial our aim to make the process of sorting out your mortgage simple, hassle-free and let you focus on your home.

1. Start your journey with us and tell us your plans. We'll work out you what you can afford to borrow so you can search for the right properties.

2. We'll provide your decision in principle so that you can begin the fun part, house-hunting! That lets you show estate agents you are financially ready to proceed.

3. We complete your mortgage application, letting your lender know you've found the perfect place. This is when you instruct solicitors and the property survey can take place.

4. Once the surveys are approved we can obtain your mortgage offer. When you have this, it's over to your conveyancer, then it's a countdown to getting your keys!

Get your decision in principle now

Whether it's your first home or you're looking for a new place, most of the time you'll need proof that you can finance it.
We can help get you that proof quickly and easily.

Contact Us

Payment Calculator

Enter some details to get an idea of your monthly payments.

If you took a £125,000 mortgage out over 25 years, at an interest rate of 1%,
your monthly payment would be £123.45.

Your home may be repossessed if you do not keep up repayments on your mortgage.
We will charge a broker fee of between £99 and £599, payable on application.
The amount we will charge is dependent on the amount of research and administration that is required. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Our Lenders

As part of the YFC group and a member of the PRIMIS mortgage network, we have access to a panel of lenders from across the market. This means we will search a range of lenders before giving any advice.


Most of the high street banks that you'll have heard of are on there like HSBC, Halifax, Santander, RBS and Lloyds.

Building Societies

Another great source of lending though you may not know as many names but when we say Leeds Building Society or West Bromwich they may ring a bell.

Other Lenders

Definitely names you won't know instantly, but being across the market means we know these too.

Frequently Asked Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

We will work that out for you, this will be based on your individual circumstances. We take into account your monthly outgoings vs income.

We can often tell you how much you can borrow pretty quickly, just get in touch.

Arranging a full mortgage can be a lengthly process because it's regulated and we need to make sure we're fully compliant. We will do all the hard work and guide you through the process though so all you have to worry about is the estate agents and solicitors.

A common mis-conception is that mortgages are all 25 years and this is 'normal'. However mortgages can vary widely especially given the current housing market and house values. Some lenders will offer terms up to 40 years, but on the other hand if you want a shorter term, you could take your deal over 10 years or less.

It's all about working out what's best for you and your individual budget. We will work with you to get a deal and repayment terms that fit your lifestyle and circumstances.

Get in touch

Bob your details into the form below and we'll get in touch with you.