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Yes. The Help to Buy Equity Loan scheme in England closed to new applications on 31 October 2022 and is no longer available for new purchases in Grimsby.
Other routes may still help eligible buyers, including Shared Ownership, Lifetime ISAs, First Homes where available, Forces Help to Buy and low-deposit mortgages.
These are separate products and schemes with their own rules. Our mortgage advisors in Grimsby can explain which options may suit your deposit, income and plans.
The support available depends on your circumstances and the property you want to buy.
Shared Ownership lets eligible buyers purchase a share and pay rent on the remainder. A Lifetime ISA can boost qualifying first-home savings, while First Homes offers discounted properties where available. Eligible Regular service personnel may also use Forces Help to Buy.
Some lenders offer mortgages with a 5% deposit without an equity loan. Every mortgage remains subject to the lender’s credit, affordability and property checks, and not every lender supports every scheme.
We will review your income, outgoings, deposit and ownership history before explaining suitable mortgage options and any scheme rules that apply.
If you already have a Help to Buy Equity Loan, remortgaging or repaying it involves different considerations from a new purchase. We can help you understand the mortgage options, while your solicitor and scheme administrator handle the relevant legal and equity loan requirements.
Your free initial mortgage appointment gives you a chance to ask questions and understand your next steps.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
In your free initial mortgage consultation, your mortgage advisor in Grimsby will meticulously explore your mortgage options and delve into the potential schemes available to you.
We will compare suitable mortgages and check any additional requirements if you are using an available home-buying scheme.
The subsequent phase involves preparing your mortgage application for submission to the lender. Throughout this journey, we’ll keep you informed about the progress of your mortgage application, ensuring transparency and clarity.
Our services go beyond merely securing the right mortgage for you. We also provide guidance on insurance options, aiming to safeguard both you and your loved ones.
We help buyers and homeowners understand their mortgage options, including current alternatives to the closed Help to Buy Equity Loan scheme. Your free initial mortgage appointment lets us review your circumstances and explain the next steps.
Once you have found a property, we can help prepare your mortgage application and explain the lender’s requirements. If you are using an available home-buying scheme, we will also explain how its approval process fits alongside the mortgage.
During your free initial mortgage appointment, we’ll meticulously review all the financial aspects with you, ensuring clarity on your monthly payments. As your dedicated mortgage advisor in Grimsby, we are committed to your assistance. Reach out to us today and schedule your free initial mortgage consultation.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Grimsbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Grimsbymoneyman 2009–2026
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Grimsbymoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Grimsbymoneyman 2009–2026
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