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Okay, let’s find you a great Help-to-Buy mortgage!

Applying for a Help-to-Buy mortgage is easy. Simply complete the quick enquiry form below and our team will search over 90 lenders, with rates exclusive to us.

Over 500 5-Star reviews on

Help-to-Buy Mortgages

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Kev Tilley

Managing Director

Sheryl Jones

Head of Operations

Lisa Nicholls

Head of Sales

Cheryl Lavin

Compliance Manager

Dave Graham

Customer Service Manager

Scott Webster

Head of Specialist Lending

Lesley Keaveney

Mortgage Administration Manager

Joanne Prior

Mortgage Advisor

Peter Atherton

New Business Manager

Ian Green

Secured Loan Broker

Tia Leatherbarrow

Mortgage Administration

Christian Moorcroft

Case Manager

James Quigley

Mortgage Advisor

Stephen King

Mortgage Advisor

Claire Gilbert

Secured Loan Broker

Jordan Dowling

Secured Loan Broker

Maddi Ali

Secured Loan Broker

Mike O'Dwyer

Mortgage Advisor

Colin Prunty

Mortgage Advisor

Paul Traynor

Insurance Advisor

Luke Edwards

Mortgage Advisor

Jack Outred

Mortgage Advisor

Charlotte Gee

Mortgage Advisor

John Chivers

Mortgage Advisor

Brittany Jones

Mortgage Administration

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Our advisors are available Monday-Friday 9am to 8pm and Saturday 9am-3pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.

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You will be matched to an advisor who will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.

Questions. Answered.

A Help to Buy equity loan is a loan from the government which you can combine with a deposit and a mortgage to buy a new-build property. Depending on where you live, the government will lend you between 15% and 40% of the property price. You will need to put down a deposit of at least 5% and get a mortgage to cover the rest of the property’s value.

Using an equity loan rather than going it alone has two key benefits: you will only need a 5% deposit and, as you’re only taking out a 75% mortgage, instead of up to 95%, you’ll be able to access better mortgage rates.

Help to Buy equity loans are for a percentage of the property value, rather than a set cash amount. This means you could end up paying back more or less than you borrowed, depending on whether your home rises or falls in value.

For example, if you take out a 20% equity loan to buy a property worth £200,000 – a loan of £40,000 – and the property is worth £250,000 when you come to sell, you’ll have to repay £50,000 – 20% of the new value of your home.

We're rated 5/5

Gareth & Amelia Melling, Wigan

We would just like to thank you for all the hard work and time you have spend over the last few months arranging us a new mortgage deal. We will save so much. We are very thankful for securing us our first mortgage and enabling us to buy our lovely family home we will be forever grateful. Thank you for all the phone calls, emails and answering any questions I had when re mortgaging, you made the process quick and easy.

Russ and Marianne Green, St Helens

Thanks, the move went well and we are now surrounded by boxes but excited about starting the next chapter of our life in the new house. Marianne and I would like to say a huge thanks to you for your help in arranging this mortgage and will be recommending you to all our friends. It really has been a lot easier having professionals like yourselves managing the process.

Victoria

Just want to say a massive thank you for helping us buy our dream home, you made the whole mortgage application stress free! We got a brilliant deal, which was fully explained and we were kept informed throughout every step of the mortgage application journey. Whilst the mortgage application was being approved, they also sorted our insurance policies and completed a re-mortgage on another property.. absolutely brilliant service!

Rachel H, Newton-le-Willows

Your team have gone above and beyond to help me and my partner get our first house. I am so impressed by how helpful and understanding they have been throughout the process. I spoke with you on the off chance during my search for a mortgage and less than a week later we had an offer accepted on a house. Me and my partner were pretty clueless when it came to the mortgage process but thanks to the team we have now completed on our first perfect home.

Brad and Becky, Ashton

Just thought I’d drop you a quick email to say thank you for your wonderful service and helping us out massively in purchasing our first home together in Ashton. We couldn’t have done it without you and you explained everything so well and made sure we had a good understanding. Thank you again! And if we ever need more advice expect to hear from us!!

Representative Example: If you borrow £15,000 over 10 years. Initially, on a fixed rate for 5 years at 5.10% and for the remaining 5 years on the lender’s standard variable rate of 5.05%, you would make 60 monthly payments of £184.29 and 60 monthly payments of £185.99. The total amount of credit is £17495; the total repayable would be £22,216.80 (this includes a Lender fee of £995 and a broker fee of £1,500). The overall cost for comparison is 8.8% APRC representative.

Rates between 3.4% to 29.% APRC. Repayment terms between 3 and 30 years.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Think carefully before securing other debts against your home

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.