New home Mortgage advise please

Sassii

Hi All

I'm a 1st time buyer and my partner doesn't work & not involved in application.

Last year I bought a new off plan house which will be completed next April, at that time I didn't have ILR & I paid 10% of house price and I got 80% mortgage offer from Barclays & the mortgage advisor told me when I got ILR I can get 85% mortgage offer.

Because of the new mortgage criteria Barclays doesn't extend the offer more than 6 months.

Last Dec. the mortgage advisor without telling me he contacted Barclays to make new application depend on my last one with the same LTV. After I knew I asked him to amend the application as I got ILR and I want 85% mortgage but he came back saying Barclays will not give me more than 80% mortgage as per new criteria.

I contacted the builder and they accepted to offer Help to Buy but we need to exchange all the paper work.

I went to another mortgage advisor which offer 85% from Santander but he said it's tight to get it???

Now I don't know what to do as I have only 5% to pay more. I'm also afraid of Santander may decline my application as Barclays offer not finished yet and of course it will appear on my credit score.

Is equity help to buy is worth or mortgage guarantee Help to Buy will be better.

Help please time is tight.

Thanks All