Help to Buy Mortgages

Small Deposits, No Interest for Five Years

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Mortgage Enquiries

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Mortgages Accepted

A dedicated Government scheme helping people onto the property ladder

Small deposits and no interest for five years makes that the difficult first step so much easier. If you have enough income to cover monthly mortgage repayments and a have a small amount of savings for a deposit – it could be the ideal option for you.

Why Choose MortgageKey for Help to Buy Mortgages

Impartial and unbiased advice

Because we are completely independent, we can freely search for the very best deals

Pay nothing until completion

We don’t ask for any payment at all until your mortgage deal is signed and sealed

Thousands of deals considered

We search and compare thousands of help to buy mortgages to tailor a deal best suited to you

Award-winning expertise

We’ve been recognised for our fantastic range of products due to our large network of lenders

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Help to Buy Mortgages - Your Questions Answered

By offering a more manageable deposit of just 5%, help to buy mortgages allow you to save and buy a property much quicker than ever before.

It is a route which helps many make the step from wasting money on rent to finally having a foot on the property ladder.

What is a Help to Buy Mortgage?

The help to buy scheme is a Government led initiative introduced to assist those looking to own their own home. By offering lower deposits and lower rates of interest for fixed periods of time, it helps more people own their own homes.

How do Help to Buy Mortgages work?

Help to buy mortgages are designed much like a regular mortgage but come with smaller deposits, no interest on your loan for the first 5 years and cheaper rates because you’re borrowing less overall. The Government lends you up to 20% equity of the cost of a new build home, meaning you’ll only need a 5% deposit and a 75% mortgage to make up the rest. You can redeem or contribute more to the equity further into your mortgage deal.

How do you get a Help to Buy Mortgage?

You can only qualify for a help to buy mortgage if you’re a first-time buyer or an existing homeowner who wants to buy a ‘new build’ house. From April 2021 until March 2023 the scheme will be limited to first-time buyers only. The home you want to purchase must be your only place of residence and not a buy to let project

Things to consider before choosing a Help to Buy Mortgage

Having a deposit is key to a help to buy mortgage, although it can be as small as 5%, you must make sure this lump sum is in cash and accessible. It’s also important to ready yourself financial scrutiny and a thorough process throughout.

If you use our industry experts at MortgageKey, they will take the time to compare and search through thousands of help to buy mortgage deals from leading providers, so they can present you with the options they believe are right for you and your property.

What our clients are saying

  • Had a call from Emma was brilliant at resolving my problems. Great customer experience!!!
    Jonathan Popoola
  • All the way through they made it very easy for us .callum was brilliant to get things rolling . Would definitely recommend
    Neil Hinchliffe
  • Very helpful throughout the mortgage process. Helped getting our first house simple and efficient in order to complete before Christmas.
    Stuart
  • A very positive experience and Megan was so lovely to speak with over the telephone.
    Sarah
  • After being let down by another broker who took months to see to our remortgage application, Mortgage Key (Claire and Aaron) have been amazing and tu...
    Graham Titchener
  • I was very impressed with the service I had which was helpful and efficient . I will use again in the future
    Julie Sharman
  • Great team and support through the process
    jackie Cartwright
  • This is a very personal review one Mortgagekey deserves. At 55 I felt there was little hope of me getting a mortgage. I was very nervous at first, but...
    FA
  • after struggling to find a mortgage on our own we searched online to find a mortgage broker. Mortgage key was recommended to us and didn't disappoint....
    Gary Irving
  • Excellent service all the way through each process from friendly staff
    Rebecca Williams
  • I had Jamie Melling help me with my mortgage and from start to finish he’s been absolutely amazing. He’s explained everything to me and kept me up...
    Natalie Terris
  • From the very start I have been kept updated throughout. Everything was explained very clearly and I have never had any problems getting quick answers...
    Rachel Elwell
  • Very good service and pretty fast as well 👍
    Neil
  • Superb service
    Sarah
  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery

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Ready to talk? Speak to an expert today: 0800 077 8980