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 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](/calculators/borrow-amount) to see what you could afford.
Key facts
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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.
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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.
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