Help to Buy Mortgages
Help to Buy was a government-backed equity loan scheme that helped first-time buyers purchase a new-build home with just a 5% deposit. The government lent you up to 20% of the property’s value (40% in London), meaning you only needed a mortgage for the remaining 75% or 55%.
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Help to Buy Mortgage Advice
Help to Buy was a government-backed equity loan scheme that helped first-time buyers purchase a new-build home with just a 5% deposit. The government lent you up to 20% of the property’s value (40% in London), meaning you only needed a mortgage for the remaining 75% or 55%.
Although the scheme closed to new applications in March 2023, hundreds of thousands of homeowners still have an active Help to Buy equity loan. If you bought through the scheme, understanding your options for repaying the loan, remortgaging, or selling is essential as your interest-free period comes to an end.
At Clearview Mortgage Solutions, our advisers help both existing Help to Buy homeowners looking to remortgage or repay their equity loan, and buyers exploring alternative schemes that have replaced Help to Buy. Use our borrowing calculator to see what you could afford.
Read our full guide here
Our complete guide explains how Help to Buy works, what happens when the interest-free period ends, and what your options are for repaying or remortgaging.
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