Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy to let mortgages and Commercial mortgages are not regulated by the Financial Conduct Authority.

Eligibility Requirements

Help to buy is a government backed scheme which offers support for first time buyers with a small deposit to purchase their new home and also existing homeowners who want to move into a new bigger home.

The scheme is designed for lenders, so it is still your responsibility for paying your mortgage under this scheme.

We can help turn your dream into reality!

  • The property must be in the UK

  • You must have at least a 5% deposit

  • You plan to live in your home and not let it out

  • You will need to pass the lender’s affordability tests and be able to prove your income

  • You must not own any other property, or a share of any other property, even if it is let out


Here’s how it works: Have a 5% deposit? The Government will support you with up to 15% of the property value meaning you could then apply for an 80% mortgage.

The maximum threshold for the value of the property depends on what year your application is completed:

  • £200,000 for purchases on or before 31 March 2019
  • £200,000 for purchases on or before 31 March 2020
  • £200,000 for purchases on or before 31 March 2021

This scheme is only available to those who are unable to afford to purchase the property without the Government purchasing an equity share in the property.

The schemes are not open to single people requiring a mortgage more than 4.5 times their income, or couples for more than 3.5 times their joint income.

You will have to meet an affordability assessment for both the mortgage and Help to Buy scheme, get in touch now to find out if this can be the best way for you to own your new home

There is no set deadline for buyers to repay their equity support to the Scottish Government. The scheme runs on indefinitely and purchasers can decide to buy back all or some of the Scottish Government’s equity stake in their home whenever they want. However, the buyer will need to pay back the full equity support in certain situations, such as if they decide to sell their home. The value of the equity to be repaid is based on the value of the property at the time of the repayment


Through Help to Buy, you only need to raise a 5% deposit (depending on your chosen mortgage lender), and can then access up to 20% of the property price through an equity loan.

This equity loan is provided by the Homes and Communities Agency (HCA).

You pay nothing on the equity loans for the first five years. After five years the equity loan will be subject to a fee of 1.75% per annum on the outstanding amount of the equity loan. This fee will increase each year by RPI (Retail Price Index) plus 1%. We always recommend that you seek financial advice to determine how much your monthly payments will be at this point.

When you sell your property, or choose to repay some or all of the equity loans, the amount you have to pay back will be based on the market value of your property at that time

You will have to meet an affordability assessment for both the mortgage and Help to Buy scheme, get in touch now to find out if this can be the best way for you to own your new home

Our Role

Ensure you do not waste money unnecessarily by paying a higher monthly amount than you need to for your borrowings

Save you time and effort by recommending the most appropriate solution

Stop you missing out on the most cost effective way of arranging your loan

Speak with one of our Independent Mortgage Advisers …
Call us on +44 7932 266 717

or leave your details and our team will be in touch…

You can find definitions to a lot of the commonly used financial terms on our A-Z mortgage glossary. Alternatively you can download our A-Z mortgage glossary PDF.