Help to Buy Mortgages

Small Deposits, No Interest for Five Years


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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.

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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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Hear from our Clients

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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

  • Greeted by a pleasant voice that immediately put me at ease. I at no time felts pressured and was given sound advice on the product I was interested ...
  • Very responsive, very helpful and very professional.
    Jamie Burt
  • The service I have received has been excellent Megan,Ben and Charlie are extremely professional and helpful would recommend this company to anyone loo...
    Emma Gregory
  • Ben has been superb. He listened to our needs and recommended the perfect product for us
  • Laura and Declan at Mortgagekey have made the process simple and efficient in respect to securing a new fixed rate. Laura spent time going through our...
    Neil Beresford
  • Excellent service
    Hira Choudhury
  • Laura at Mortgage Key was so helpful and lovely and made the process so easy and personal. I also ended up with a deal much lower than I could find an...
    Jane-Julie Grant
  • Responsive from start to end. Very approachable, friendly and yet professional. Would highly recommend. The whole process has been smooth as it can be...
    Kirsty Davidson
  • What an excellent service Megan was amazing right from the start and Ben has gone above and beyond to get this mortgage sorted for us would highly rec...
    Emma Gregory
  • good efficient service
    Robert Peter Reynolds
  • Very helpful efficient mostly , they took me through to mortgage offer dispite being mid covid and poor credit rating , very pleased
    Kelly Rodrigues
  • always very helpful and informative, nothing too much trouble.
    Susan Rooks
  • Fantastic easy service, can’t recommend you enough, dealt with everything for us and got us a fantastic deal many thanks Kerry and Ian
    Kerry and Ian
  • From the start of the mortgage process I have had everything explained to me in clear and straight forward language. All parts of the process have bee...
  • Very helpful and efficient. Would highly recommend.
    Linzi Richardson
  • Linda was really lovely, super helpful and so was Lee :) - a real credit to you.
  • Excellent thorough professional and speedy service
    Simon Hallas
  • i am very happy with the service i recievied very prompt reply for any queries.
    Katherine Whitehorn
  • Efficient so helpful and professional
    Customer Maria Thompson
  • Prompt and reliable.
    Trevor James

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