Help to Buy

Help to Buy Mortgages: Complete Government Scheme Guide

Complete guide to Help to Buy mortgages. Learn about government equity loans, eligibility, and application process.

By David Sampson

29 September 2025

1 min read

UK help to buy mortgage article image for Help to Buy Mortgages Complete Government Scheme Guide

TL;DR

•Help to Buy provides an equity loan of up to 20% (40% in London) of the property value, reducing the deposit and mortgage amount required.
•Learn about government equity loans, eligibility, and application process..
•# Help to Buy Mortgages: Complete Government Scheme Guide Help to Buy is a government scheme designed to help first time buyers and existing homeowners purchase new build properties.

# Help to Buy Mortgages: Complete Government Scheme Guide

Help to Buy is a government scheme designed to help first time buyers and existing homeowners purchase new build properties.

## What is Help to Buy?

Help to Buy provides an equity loan of up to 20% (40% in London) of the property value, reducing the deposit and mortgage amount required.

## How Help to Buy Works

### Equity Loan
– **Government loan** of up to 20%
– **No interest** for first 5 years
– **Repayable** when you sell or remortgage
– **New build** properties only

### Eligibility
– **First time buyers** or existing homeowners
– **Property value** limits apply
– **Cannot rent out** the property
– **Must be your** main residence

*Interested in Help to Buy? Our specialist brokers can help you understand the scheme and find suitable properties.*

About David Sampson

David Sampson writes about the UK mortgage market for Mortgage118, covering specialist lending, market trends, and practical advice for borrowers. All content is reviewed for accuracy against FCA guidelines and current market data.