I'm very interested in the soon to be released "help to buy isa". I'm unclear on the definition of a first time buyer.
I have owned a house (with my ex wife) but I am no longer on this mortgage, the house is purely in her name now.
My girlfriend has never owned a house.
So two questions:
- Am I a first time buyer?
- Can we still use the isa if we buy a house together (joint mortgage)?