• Celebrating 16 years of
    sharing property with people

  • Elsley Road SW11



    "Softer house prices will have a restorative effect on
    the London property market long term"

    Lucy Pendleton in City AM

  • Ponton Road SW8



    taking the stress out of letting your property

  • Winders Road SW11


  • Constance Court

    £492,000 TO £705,000


    £549,950 TO £714,950


  • Strathville Road SW18


  • Londoners face longer journeys to work as high house prices soar.

    London house prices push buyers to a new belt of towns and cities.

  • Old Town SW4


  • An Angel
    on your doorstep...

    Making moving into and maintaining your
    property trouble free and heavenly


  • Chestnut Grove SW12



    £458,350 - £1,555,300

  • One Putney SW15



Help to Buy

What is the scheme and who can apply?

Help to Buy is a Government scheme which aims to help more first time buyers take their first important step onto the property ladder. The nationwide scheme has been a great success in the short time that it has been available and helpfully there is a separate Help to Buy scheme available to those looking to purchase a property in the London boroughs. In essence, Help to Buy is an Equity Loan the Government lends to you of up to 40% of the cost of your newly built home so that you can put down as little as a 5% deposit (along with your mortgage to cover the remaining amount).

The scheme comes as part of a series of Government plans unveiled in the past two years to bring more mobility to the property market and more opportunity for those looking to invest in their first home.

For Londoners, Help to Buy makes available a loan of 40% from the Government to first time buyers purchasing a new build property. The percentage of the overall property price the loan represents was increased in February 2016 from 20% to 40% in London. This loan can be used along with a mortgage of up to 55%, meaning that purchasers only need to provide a 5% deposit. This makes many more properties far more viable and accessible as investments across the Capital, and is a considerable incentive for those with a mortgage at or near this percentage.

The Government loan also offers a 5 years interest free period. This second incentive is a helpful buffer in what can be an expensive time, further supporting the moving process for new buyers.

It's worth noting that not all banks and building societies offer mortgages suitable for Help to Buy. At James Pendleton we work with SPF Private Finance who can help you understand your different mortgage options and secure the best mortgage for you and your individual needs.

Which properties does the scheme apply to?

The Help to Buy scheme is only applicable to new build properties on sale for £600,000 or under and the property must be approved for Help to Buy by the Government.

We now have more new build homes in London and the South West such as Lombard Wharf, Larkhall Quarter, Elephant Park, St Martins Court and Viewpoint to name a few. Check out some of our other help to buy properties in London here.

If you're interested in viewing more help to buy properties in London or would like to know more about the Help to Buy scheme, you can contact our New Homes & Investment team at newhomes@jphomes.co.uk or call us today on 020 8099 1111.
Help to Buy
Lucy Pendleton to give insight into the recent November 2017 House Price Index.
James Pendleton is an amazing company. They have been a big part of me winning a bronze medal in Rio 2016 and have been so supportive with all my achievements, which wouldn't have been possible without them. They have given me so many opportunities, I am privileged to be associated with such fantastic people who give so much back to the local community.

Having recently rented my property through James Pendelton, I can't recommend them highly enough. They walked me through the process and found me amazing tenants. From the first contact they were professional and informative. Thank you to Jacob, you were amazing. Thank you also to the Angel Department who, after realising I needed safely certificates, sorted everything out for me and made sure I had everything in order.


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