Should I use my Help to buy or add it to my deposit?

Markus247

First time clueless buyer here.
Houses in my area are dear to say the least.
I have an 75k deposit and a separate 10k in a help to buy isa from that old government scheme.
I work two jobs. One of them has an income that fluctuates.
I don't really understand the help to buy ISA and I've heard a lot of negatives about it. Should i use it for what it was intended for or use it to boost my deposit to 85k?
I would be looking at houses in the 280-320k range. Not necessarily a new build.
Plan on upgrading within 10 years.

Thanks for your help.

MovingForwards

The property values you're looking at are outside the H2B allowance:
https://www.google.com/amp/s/www.moneyadviceservice.org.uk/en/articles/a-guide-to-help-to-buy-isas/amp

Therefore you have £10k no bonus towards your deposit, or can keep the cash as a nice start for an emergency fund, furniture, repairs and upgrades.

You also need legal fees, mortgage fees for survey, maybe an application fee etc.

It's personal preference and also depends on whether your income will support the amount you need to borrow.