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

Tailored Mortgage Advice

We’re recognised for our fantastic service and great relationships with 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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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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Representative APRC 3.5% Variable

Representative Example: Annual Interest rate of 2.44% fixed for 2 Years followed by 3.59% for the remaining term. Representative 3.50% APRC Variable. Based on borrowing of 150,000 over 17 years repayments of £899 per month. Total amount repayable £198,466. Includes Lender Fee of £995 and Broker Fee of £695.

What our clients are saying

  • Always provides an excellent service when looking for a new mortgage deal and excellent communication makes the process much easier.
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    Alistair Wolf
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  • Matt was a great help and gave us some fab info on all the mortgages available to us. Matt and his whole team went above and beyond to help us so much...
    Frankie Donaldson
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  • Great service by the Team at Mortgagekey.
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  • Matt my first contact was helpful clear and very professional Evry thing went smoothly decisions were made within 24 hrs mortgage was at solicitor st...
    Mark Brittain
  • Very fast and helpful service.
    Mr Brandon
  • Jamie Melling and his exceptional team have been absolutely brilliant through the whole process of securing our mortgage. They went out of their way t...
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  • Absolutely fantastic service, Couldn’t fault them at all, I’m a very happy customer, thank you to everyone at mortgage key xx
    Charlotte Barrett
  • Was only browsing online for a better deal on my mortgage and came across this website. Within minutes of filling in the form I was contacted by an ad...
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  • Would recommend fast and efficient
    Alan Mcdermott
  • Very helpful and and dealt with matters at an amazing speed with an excellent product, Thanks so much, will be recommending you to all friends and fa...

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