How long to arrange a Help to Buy mortgage

With the current help to buy due to end in two weeks, we have just found a property that we would love to purchase, but would be over the cap as of the 16th of December. The property is valued at £350k and we have a combined annual income of £120k.

Does anyone know how long the whole process takes, and are there any pitfalls we should be aware of? Is there a chance we could be turned down for a mortgage even with the help to buy loan?

We have no defaults, CCJs or outstanding loans.


  • Carl2510Carl2510 Forumite
    504 Posts
    Third Anniversary 100 Posts Name Dropper
    This has been extended.

    “deadline will now move to 28 February 2021, helping thousands of customers to get the keys to their new home. The deadline for the legal completion of the sale will remain the same – 31 March 2021.”

    this is on the government website.
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