Personal & Friendly
We’re not a comparison engine. We have real people doing the hard work for you, taking away the stresses and worries surrounding help to buy mortgages.
Award Winning Help to But Mortgages
We’ve been recognised for our fantastic help to buy mortgage products but we’re constantly searching for ways to improve.
Our great relationships with our lenders means we have access to multiple help to buy mortgage deals - including exclusives.
Free, No Obligation Quotes
No hidden charges here. You’ve nothing to lose by letting us find a help to buy mortgage deal that suits you.
Help to buy mortgages have helped to expand the property market along with improving the wider economy, benefiting thousands of people in doing so, especially first-time buyers.
Help to buy mortgages offer a more manageable deposit of just 5%, allowing you to save and buy a property much quicker than ever before. Becoming a property owner has its benefits in other walks of life too, so by choosing a help to buy mortgage you can begin your new journey.
The help to buy scheme is a government led initiative which was introduced to assist those looking to own their own home. By offering lower deposits and lower rates of interest for fixed periods of time, more people can now afford to take the leap.
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.
The easiest and quickest way to begin your help to buy mortgage adventure is to use our help to buy calculator. This will help you determine monetary amounts before your initial application. From here, you can speak to Mortgagekey’s advisors about the next step of the process.
You can only qualify for a help to buy mortgage if you’re a first-time buyer or an existing homeowner. The home you want to purchase must be your only place of residence and not a buy to let project. Terms of the help to buy scheme do vary in England, Scotland and Wales, so be sure to speak to a mortgage advisor beforehand.
A help to buy mortgage is perfect if you know you can afford monthly mortgage repayments and a have a small amount of savings for a deposit. Rather than wasting money on rent, you could save for a help to buy mortgage deposit of just 5% and invest in a property of your own. This could be a real turning point by finally planting your foot on the property ladder.
The process of securing a help to buy mortgage can be overwhelming, especially if it’s your first property. It’s important to do your research beforehand, and ready yourself financial scrutiny and a thorough process throughout. Luckily, here at MortgageKey, our industry experts 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.
There are a range of factors you need to consider when thinking about a help to buy mortgage deal. One of the main ones being a deposit;although it can be as small as 5%, you must make sure this lump sum is in cash and accessible. Another is the financial assessment you will undergoe - make sure your paperwork and evidence is up to scratch. Also, like any mortgage, there are other factors such as: building insurance, removal costs, stamp duty and solicitor’s fees to consider. You should also set a budget aside for any decorating or furnishing you are planning, as well as other essentials you may need.
Firstly, there is no obligation, or fees, for our friendly advice or quotes. Secondly, you can benefit from our years of experience and lasting relationships with a comprehensive range of lenders. Finally, our expertise and knowledge with help you to familiarise with even the most complex mortgage procedures. Our friendly and attentive staff, offer a five-star service from inquest to completion.
Relieving you of the stress and complexities of help to buy mortgage is high on our agenda. We have the people in place to do the hard work for you. The constant changes in our industry mean we always have our finger on the pulse, keeping you are as up-to-date as possible so that you can make the right decision.
By keeping a close eye on the market, and through regular activity with our lenders, we are perfectly poised to identify which providers are best suited to your individual circumstances. MortgageKey firmly believe that each case is different but fully understand the importance of securing your first property.
Our mortgage advisors are available Mon-Fri from 9am to 8pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.
A dedicated team of mortgage experts will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.
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