HomeBuy Direct Buyers (HBD)

If you bought your home through the HomeBuy Direct Buyers (HBD) please use the links below to find more information. If you have questions that are not answered here then please contact us.

• Fees: Paying fees on your HBD loan
  • Paying Fees
  • Fee collection
  • How fees are calculated
  • When do I Begin Paying Fees?
• Repayment: Repaying your HBD loan by selling your home
  • The Benefits of Repayment
  • Download HomeBuy Direct Buyers (HBD) Information Pack
  • Financial Advice
  • Your Responsibilities
• Staircasing: Repaying your HBD loan in part or full to reduce your loan amount and fees without selling your home
  • The Benefits of Staircasing
  • The Process Explained
  • Financial advice
  • Your Responsibilities
• Remortgaging: Changing your lender without further borrowing
• Ownership Changes: If you are looking to change the ownership of your property you purchased with the assistance of HomeBuy Direct (HBD).  As the HBD contribution you received from the Homes and Communities Agency (HCA) and developer you purchased your home from is registered as a joint 2nd charge on your property you must get their permission for any change in ownership.  Housing Options Plus (HOP) has been appointed to deal with all HBD post sales transactions.
  A substitution of ownership or someone to being added or removed from the property is allowed as long as one original owner of the property remains.  However, you should be aware that, as a general rule, a change to the ownership of the property will only be permitted once.
  Further advances: Increasing your mortgage borrowing
• Alterations/Improvements/Repairs: Altering or improving your property and Paying for repairs
• Money Matters: Your financial responsibilities
• Subletting/Second home: Subletting your HBD home or buying a second home