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.

Find out more

Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

Find out more

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.

Find out more

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

  • Connor & Amelia really helped us through a stressful situation after our mortgage with another bank fell through and we’d spoken to some terrible br...
    Saffron North-Lewis
  • Extremely helpful team who supported me throughout the process. Great communication. Thank you
    Cherry Lee
  • Very good service
    Eric Lee
  • Great service .Always reminded several months in advance. And the best deals are readily available for you. Wouldn't use anyone else.
    Catherine Howard
  • Made the process quick and easy for us and made sure to get us exactly what we were looking for :)
    Sarah
  • I gave 5⭐ because mortgage key has a way of facilitating your mortgage for you. Zoe one the advisors is a superstar when it comes to advising you on...
    Chioma Njemanze
  • Karl Rayne has helped from day one, I have a lot of loyalty for him as helped when the highstreet banks wouldn't. Even other colleagues did paperwork ...
    Samantha Nunes
  • Really responsive service, with the whole process taking a matter of days. Very efficient and friendly.
    Nick Hall
  • Always a good service from mortgage key
    Stuart Nightingale
  • I was stuck in a financial situation and the advisor able to help and put me through on to the right path
    Simon
  • For mortgage and insurance + general financial advice I am never going anywhere else!
    Zoom Photography Ltd
  • We are very happy with the service they have been very helpful
    Mrs Smith
  • The Mortgage Key team have been excellent and have guided us through the process of finding and securing two mortgage offers on two properties at the ...
    Thomas Hewitt
  • Very efficient. Clear, concise advice and a positive outcome. Highly recommended. Zoe was particularly helpful.
    Simon Wedlake
  • Very quick response and took away all my stress. Laura understood my situation and provided my best solution which has helped me achieve my new home
    Maureen Cusick
  • Amazing service. Always keep in touch on progress, always very informative and polite. Glad I stumbled across MortgageKey.
    Ed Jones
  • Really great service and quick service.
    Gurinder Kaur
  • Great stress free experience everything was handled for us very efficiently
    Zcr
  • Remortgage as rates changing and mortgage key were very helpful in the quick smooth process, kept updated and given all the information to make an inf...
    Lyndsey
  • Shannon and Zoe were both fantastic. They were so supportive and knowledgeable. The process was made so much easier by them and they were always quic...
    Laura Davies

Trusted by our clients

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