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House buying: me, Help to Buy ISA; partner, homeowner
CarlP_3
Posts: 1 Newbie
I wonder whether anyone has any information about I will get on looking for a mortgage with my partner. I have a Help to Buy ISA and my partner is currently a homeowner, paying down her mortgage. When we come to buy together, will we have any trouble? I'm thinking specifically of the recent Telegraph information on initial deposits on homes ("Help to Buy Isa scandal: 500,000 first-time buyers told scheme cannot be used for initial deposit on homes", 19 August, 2016). Does my partner's existing mortgage commitments counter any risks of my Help to Buy ISA?
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Comments
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You can have a HTB ISA, she can't. See point 5 in the link. You'll definitely have to pay the additional SDLT though.
http://www.moneysavingexpert.com/savings/help-to-buy-ISA0
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