Is Help to Buy Worth It

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Is it worth it? I’ll say this: It is if you can afford the payments and you plan to stay put for 5+ years. If you flip houses like pancakes, skip it. The fees will eat you alive.

It’s also great if you have a solid income but zero savings. That 5% deposit is a lifesaver. It’s a bridge over the “I can’t afford a deposit” river.

But if you’re buying in a city with falling prices? Run. Don’t walk. Negative equity is a monster that loves new-build owners.

So, grab another coffee. Chat with a mortgage broker. Not the one your dad uses, a real one who actually listens.

Help to Buy is a bit like that friend who offers you a ride but then asks for gas money. It’s helpful, but it’s never free. And that’s the real tea.

Now go enjoy your overpriced latte. You’re going to need it before signing any papers.