Is Creative Finance Facility for real? | Money | guardian.co.uk
Q A relative of mine introduced me to one of the "innovative financing" options for buying a house without a deposit, called Creative Finance Facility. I am minded to steer well clear of it, but reading through their website I don't understand how they work, and whether it really does represent a genuine option for a Londoner looking at a ridiculous deposit. I have tried researching it on consumer advice websites but they seem largely silent on the issue.
A. I have looked at the Creative Finance Facility website as well, and don't understand how its "revolutionary new facility" works either. The claim that you will be able to buy property without paying a deposit, stamp duty [land tax] or having to take out a 100% mortgage are pretty impressive. The phrase, "There's no such thing as a free lunch" also sprang to mind .....
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