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FirstBuy (FB)
If you bought your home through the FirstBuy (FB) 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 FirstBuy (FB) loan
- Repayment: Repaying your FirstBuy (FB) loan by selling your home
- Staircasing: Repaying your FirstBuy (FB) loan in part or full to reduce your loan amount and fees without selling your home
- Remortgaging: Changing your lender without further borrowing
- 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 FirstBuy (FB) home or buying a second
home
Ownership Changes
If you are looking to change the ownership of your property you purchased with the assistance of First Buy. As the First Buy 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 First Buy 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.
