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

  • Got me what I wanted
    Tony Walsh
  • This is one of the best companies I have ever dealt with. The whole team are great professionals. Connor Phillips did my 2 mortgage deals with very...
    Millicent
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    Trevor Henry
  • Very clear on process and informative so making it all an easy understanding process
    Craig Dace
  • Easy experience so far
    Zac
  • Rory called me to remind me about my rate switch and dealt with the process very efficiently to my benefit.
    Bharti Raja
  • easy and friendly, provide excellent service. I have no hesitation in recommending to others for their mortgage needs.
    Mrs Hassan Khan
  • Previous experience of using MortgageKey. All staff are helpful, polite and extremely efficient.
    Graham
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    Carol Smedley
  • Excellent. Service
    Kenneth Povey
  • We can’t speak highly enough of the service we received from Jamie Money at Mortgage Key. From the very first conversation, Jamie was knowledgeable,...
    Richard Carter
  • Excellent, we would highly recommend Heywood Yorke at MortgageKey in particular. He was thorough and transparent throughout the process, finding us th...
    Faye H
  • Moved two of our BTL to a much lower rate- very smooth and efficient. Saved us a substantial amount each month. Would recommend.
    Dave Hazel
  • I was kept informed of every stage of my remortgage. Excellent customer service. There was always opportunity to go through anything I was unsure of...
    MISS SHARON ALLEN
  • Tracey and Shannon were amazing to work with. Tracey’s in-depth knowledge was impressive, and thanks to her expertise, we managed to secure the best...
    Mayur
  • Mortgage key did a great job for me. Very helpful and informative. Heywood explained things to me as we planned the right mortgage deal for me.
    John Mundy
  • I have used Mortgagekey a few times now and always get great service
    Neil
  • Excellent knowledgeable staff and very prompt service. We have used them several times and they always recommend the best rates and deal with everythi...
    Sally
  • Unbelievable service. Just got in touch with a query, but ended up with so much more.
    L SIMPSON-GRIMES
  • They were very helpful with every stage of my mortgage application.
    Alison Gibbs

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