Help to Buy Mortgages
The scheme closed in 2023, but your equity loan options are very much still open.
Why help to buy?
Help to Buy was a government-backed equity loan scheme, which meant the government took a share of your new-build home in return for lending you part of the money. First-time buyers could buy with a deposit of just 5%. The government lent you up to 20% of the property’s value, or up to 40% in London, so the mortgage you needed only had to cover the rest: 75% of the price, or 55% if you bought in the capital.
The scheme stopped taking new applications in March 2023. Even so, hundreds of thousands of homeowners still have an active Help to Buy equity loan sitting behind their mortgage. If you are one of them, it helps to know where you stand well before the interest-free period runs out, whether that means repaying the loan, remortgaging, or selling up.
At Clearview Mortgage Solutions, our advisers work with both sides of this. We help existing Help to Buy homeowners who want to remortgage or clear their equity loan, and we help buyers weigh up the schemes that came after Help to Buy closed. Use our [borrowing calculator](/calculators/borrow-amount) to get a feel for what you could afford.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our help to buy calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Help to Buy mortgages
A guide to Help to Buy mortgages
How the Help to Buy equity loan scheme works, what it costs, and what options you have as an existing borrower.
ReadRepaying your Help to Buy equity loan
When interest kicks in, how repayment works, and strategies for paying off the government loan.
ReadHelp to Buy alternatives
Other schemes and options now that Help to Buy has closed, including shared ownership, First Homes, and 95% LTV mortgages.
Read
Frequently asked.
Your first chat with an adviser is free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, and you will always know the cost upfront. You will never be charged without agreeing to it first.
Talk to a specialist.
help to buy mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.