Help to Buy Mortgages

Small Deposits, No Interest for Five Years

A dedicated Government scheme helping people onto the property ladder

The Governments help to buy scheme allows you to purchase a home with a minimum deposit of just 5 %. When using the help to buy scheme the government will lend up to 20% of the property value in England and Wales, 40% in London, or 15% in Scotland. You then take out a mortgage on the rest of the property’s value (so, if your deposit was 5% and your equity loan was 20% you’d take out a 75% LTV mortgage). What’s more, there’s no interest to pay on the government's equity loan of the first 5 years, after this interest will start to be charged on the amount of your equity loan.

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 Secured 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 Secured 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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Think Carefully Before Securing Debts Against Your Property.

Your Home Maybe Repossessed If You Do Not Keep Up With Your Repayments.

What our clients are saying

  • I have had a great experience with Mortgage Key. As a self-employed first time buyer they guided me through the whole process with ease, ensuring I pr...
    Xav
  • Straight forward, solid advice and a quick outcome. Very impressed.
    Alexander Johnston
  • Very quick and easy. Great communication throughout.
    Charlotte
  • Very helpful advisor and smooth and quick process.
    Gary
  • Great communication
    Rebekah Craig
  • Friendly helpful staff, dedicated to helping you find the best mortgage possible.
    Jon Walsh
  • Very helpful and understanding, helped us get a better rate on our mortgage, better rates than ones I found myself, highly recommend them.
    Sarah Kirkham
  • Very helpful, honest and transparent.
    Emma Willetts
  • Great, efficient, informative.
    Gary
  • Thank you for being so incredible while with assisting me and helping me through this entire process, especially Michael Ncube and Shannon Egan. It h...
    Mr D Rai
  • We were at a point where we could not find a broker to source the mortgage we needed. It was a complex case, where previous brokers had tried but were...
    Rosie smith
  • Really helpful advice and proactive communication throughout. Matched me to an appropriate lender with the ideal solution best fitting my circumstance...
    David
  • Overall service is clear and transparent
    Murad Rahman
  • The team was very helpful at all times and lots off feedback was given
    Robert Duncanson
  • Almost completed but no fuss, no and completed very swiftly and extremely professionally.
    Chris Shippam
  • After initially having some difficulty getting a mortgage in my journey as a first time buyer I felt I was running out of options. I had tried a previ...
    Lewis Simpson
  • Absolutely brilliant !
    Louise B
  • 2nd time I've use these guys. To me, they keep things very simple, listened to my issue and then came up with a couple of options and left me to deci...
    Ian Stirling
  • Good, quick response.
    Chris Thomas
  • Zoe the consultant took time to evaluate my best and easiest option in my remortgage process. Success was the end result, happy client.
    Mohamed Sattaur

Trusted by our clients

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