What is the Help to Buy scheme?

The Government’s Help to Buy schemes are aimed at encouraging more first time buyers to step onto the property ladder and for existing home owners to move up the ladder. This is particularly good news for buyers with small deposits (5% or over).

There are two Help to Buy schemes:

Help to Buy – Part I

Beginning in April 2013, it allows purchasers of New Build properties to borrow up to 20% of the property’s value from the Government. These loans are interest-free for the first five years. The purchaser needs to contribute a deposit and the mortgage and deposit must cover 80% of the total purchase price.

Help to Buy – Part II

The Government announced this week that the second phase of the Help to Buy scheme will be moved forward by 3 months and begin in October 2013. Help to Buy – Mortgage Guarantee allows buyers to purchase new or second hand homes up to the value of £600,000 with a mortgage deposit of just 5%.

The remainder of the mortgage loan will then be provided by an approved lender – with 15% of this loan guaranteed by the Government for a period of 7 years. This is in return for a fee paid for by the lender.

Who’s eligible for support from Help to Buy?

  • Existing home owners and first time buyers
  • Buyers with a minimum deposit of 5% of the purchase price
  • Available on properties up to £600,000
  • Must not be a second home
  • Available to British citizens
  • Properties in the UK
  • Buyers who are borrowing from a participating lender

How could it help you?

Are you a First Time Buyer who knows you can afford mortgage payments (in many cases they are lower than rental payments) but just can’t afford a steep deposit? Now is a great time to buy your first home. Already own a home but you’re stuck in the negative equity trap because the value of your home has not increased? This is a great opportunity for you too.

At Joplings we feel the Help to Buy scheme will aid clients to purchase properties and get their foot on the property ladder, but have struggled to save the 15% – 20% deposit required. These prospective purchasers have been living in rented accommodation or in the family home with parents, trying to save for a deposit.

The past few months has seen confidence return to the market, with increased activity and more properties going under offer than we have experienced since the downturn. Properties coming onto the market, that are realistically priced, are generating viewings and interest leading to sales.

We expect the scheme to help buyers who have been struggling to save in hard economic times. Many buyers can just about save for a 5% deposit, when previously a large deposit was unachievable or being funded by generous loans from family.

The early signs are positive with an increase of activity in both our offices. The scheme is a welcomed boost to help the confidence of buyers and prospective purchasers return to the market.







Valid Until the End of April 2013


  • Let Only & Fully Managed Packages Tailor Made to Suit Your Needs
  • Personal Service from Experienced, Highly Trained & Well Established Rental Team
  • Assistance Available with Energy Performance Certificates, Gas & Electric Checks, and Registering your Tenants Deposit
  • One Off Requests for Services such as Drawing up Agreements Only or One off Property Inspections
  • Good Rapport with Tenants & Local Contractors


Call into our office or ring on 01765 694802 for further information.


Joplings Lettings Department Gain Valuable Knowledge

Claire Ryder, Sam Torkington and Helen Fessey from our lettings department attended the ARLA regional meeting at York on Thursday 14 February 2013. There were two guest speakers Ian Potter, Managing Director of ARLA who gave a talk on current issues within the letting industry and Robert Bolwell, Dutton Gregory Solicitors regarding legislation updates. The meeting concluded with a brief update on the new gas regulations from Andy Norton of Norton’s Heating & Plumbing Engineers.


Joplings Christmas Opening Hours


We apologise but due to building alterations on the Ground Floor (Ripon Office) we will be based for the next few weeks on the First Floor.

Our Christmas Opening Times are as follows:

Friday 21st December 2012: Open 9.00am – 12.00pm

Saturday 22nd December – Wednesday 26th December 2012: CLOSED

Thursday 27th December 2012: Open 10.00am – 2.00pm

Friday 28th December 2012: Open 10.00am – 2.00pm

Saturday 29th December 2012: Open 10.00am – 2.00pm

Sunday 30th December 2012: CLOSED

Monday 31st December 2012: Open 10.00am – 2.00pm

Tuesday 1st January 2013: CLOSED

Wednesday 2nd January 2013: BACK TO NORMAL WORKING HOURS



New Branded Cars For Joplings

Having succeeded in their extensive re-branding and system improvement projects, Joplings Property Consultants are extending their business improvement plan to encompass their business vehicles. Each of the Ripon and Thirsk branches now has a brand new Volkswagen Polo to assist staff in their daily duties.

Michael Stephenson, General Manager, said “We were keen to introduce company vehicles for many reasons. Foremost, these cars are incredibly safe and economical which is a primary concern for all road users in these times. Furthermore, they look very professional in the new livery and will alleviate the need for staff to provide their own vehicle for work”.


New Property Auction Launched

Joplings are proud to announce the launch of their new Property Auction to enhance their services and compliment their growing business portfolio.

The property auction benefits from utilising the successful auction house, Thirsk Farmer’s Auction Mart (Parent company of Joplings) which re-located to brand new premises just off the A19.

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Joplings Continues its Branding Upgrade

Joplings estate agents continue their branding upgrade with the launch of their new website (www.joplings.com) to compliment their on-going service improvement plan.

The website, which directly links-in with the latest Vebra Live software, boasts an excellent property search function covering all departments and areas with detailed advice on all aspects of the property market. There is also the facility to follow them on facebook and twitter, keeping you up-to-date with their latest developments.

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New Horizons for Joplings

Joplings are in the process of undertaking a complete re-branding, reflecting the services it offers to clients, repositioning the business and image moving forward. This transformation began a few months ago with the installation of the latest cutting edge property software, VebraLive.

The system has many features to support all aspects of property management, most notable of which are the registration of applicants, proactively matching and distributing property details in any format, automatic advertising of property to all the major property portals, and complete chain management once a sale has been agreed.

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Please call in to discuss your requirements - our friendly staff are always happy to help

10 North Street, Ripon North Yorkshire, HG4 1JY Telephone: 01765 694800 Fax: 01765 694801 ripon@joplings.com
19 Market Place, Thirsk North Yorkshire YO7 1HD Telephone: 01845 522680 Fax: 01845 526055 thirsk@joplings.com