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Help To Buy Mortgages

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Help to Buy Mortgages

Getting on the property ladder can feel like trying to board a moving train. Help to Buy mortgages were designed to make that first step more achievable by reducing the size of deposit needed and helping buyers access competitive mortgage deals.

A Help to Buy mortgage is usually linked to the government-backed Help to Buy Equity Loan scheme, where buyers could purchase a new-build home with a smaller deposit, while the government provided an equity loan towards the property value.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Please note, the Help to Buy Equity Loan Scheme is no longer available for New Customers

Key facts

Here's how Help to Buy Works:

Lower Deposit Requirements

Saving a huge deposit can take years. Help to Buy allowed many buyers to purchase with just 5%.

Better Mortgage Rates

Because the mortgage borrowing amount was smaller, lenders could often offer more competitive rates.

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Faster Route to Ownership

Instead of renting for years while saving, buyers could move into their own home sooner.

New-Build Properties

Most Help to Buy purchases were on modern, energy-efficient new-build developments.

Need Help Finding the Right Mortgage?

Every buyer’s situation is different. Whether you are buying your first home, moving house, or exploring low deposit options, expert mortgage advice can help you find the most suitable route forward.

We aim to respond to all enquiries within one working day. If your matter is urgent, please call us directly.

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