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

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

  • Excellent service. Concise and prompt.
    Adrian Goodrum
  • Great service all round
    Laura Painter
  • Talked to jamie my morgage deal come to and end jamie sorted everything out for is with in a hour got a better deal for is no hassle whats so ever was...
    John Carver
  • Good service
  • Awesome customer service.
    Mr. Andrew Fox
  • A great service from start to finish, the team at mortgagekey were very friendly. The whole process took a little longer than expected but that was ob...
    Zoe Barthorpe
  • Great service
    Jagraj Bains
  • Rebecca was fantastic from the initial enquiry right through to receiving our offer. Rebecca kept us informed every step of the way and secured us the...
    Andrew B
  • First class service. Linda was hugely helpful and made me extremely comfortable with the process. Very speedy service too
    Jamie Willis
  • They were so helpful and informative. They kept me up to date throughout the whole process, I would definitely recommend!
    Anna Baker
  • Excellent knowledge able service. Quick responses and very professional.
    Christopher White
  • Fantastic- responsive and easy. A very personalised service. I couldn’t highly recommend enough. Very friendly and able to fit around work.
    Rachael May
  • Friendly, super professional service, regular communication throughout. Made it feel easy.
    Alise Kirtley
  • What I like most is the honesty when dealing with Georgia. I’m with Barclays for my mortgage and they were honest enough to say that another rate wi...
  • Jamie was very helpful and sorted our new mortgage in no time and no stress. He has kept in touch to make sure everything was sorted .
  • Very honest, friendly and will always look at different options
    Heather Twigg
  • After checking a few providers found
    Gursharan Lall
  • Absolutely brilliant service, no faults whatsoever. Speed, efficiency, friendly and always available. Top top company, would highly recommend.
  • Thank you for a smooth transition.
    Anthony Stone
  • I am so grateful that I came upon this company. They were amazing from the start and right the way through. I was kept fully informed and reassured ev...

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