For the lay man or woman securing a Help to Buy Remortgage can be a daunting task. The problems that many homeowners now face are too little equity giving a poor loan to value (ltv) or being unable to find a suitable lender. When the Help to Buy scheme was first introduced back in 2013 it was perceived as being the answer to all First Time Buyer problems. A minimal deposit of say 5% from the purchaser was then bolstered with a 20% interest free loan from the Government for the first 5 years of the mortgage term. Many Help to Buy mortgages were taken over a 5-year fixed rate term, which coinciding with the term of the Governments Interest Free loan element, has now put many people into a some
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