Help to Buy Mortgages

Small Deposits, No Interest for Five Years

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Mortgage Enquiries

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Mortgages Accepted

A dedicated Government scheme helping people onto the property ladder

Small deposits and no interest for five years makes that the difficult first step so much easier. If you have enough income to cover monthly mortgage repayments and a have a small amount of savings for a deposit – it could be the ideal option for you.

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 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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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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Help to Buy Mortgages - Your Questions Answered

By offering a more manageable deposit of just 5%, help to buy mortgages allow you to save and buy a property much quicker than ever before.

It is a route which helps many make the step from wasting money on rent to finally having a foot on the property ladder.

What is a Help to Buy Mortgage?

The help to buy scheme is a Government led initiative introduced to assist those looking to own their own home. By offering lower deposits and lower rates of interest for fixed periods of time, it helps more people own their own homes.

How do Help to Buy Mortgages work?

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.

How do you get a Help to Buy Mortgage?

You can only qualify for a help to buy mortgage if you’re a first-time buyer or an existing homeowner who wants to buy a ‘new build’ house. From April 2021 until March 2023 the scheme will be limited to first-time buyers only. The home you want to purchase must be your only place of residence and not a buy to let project

Things to consider before choosing a Help to Buy Mortgage

Having a deposit is key to a help to buy mortgage, although it can be as small as 5%, you must make sure this lump sum is in cash and accessible. It’s also important to ready yourself financial scrutiny and a thorough process throughout.

If you use our industry experts at MortgageKey, they will 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.

What our clients are saying

  • Efficient , great customer service and an easy process.
    Leila
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    Mr Mohammad Razak
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    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
    Amy
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    Harrison
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    Michael Spaul
  • Extremely efficient and friendly and nothing is too much, they keep you informed every step of the way excellent service would highly recommend.
    Leanne Palmer
  • I have used Mortgagekey to remortgage two properties three times now. They have been excellent at every step of the way - and they got us great rates!
    JOHN
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  • Within a couple of hours Jamie had found us a lender after we were let down by our own bank that we have been with for over 30 years. Everything went ...
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    S M Dalby
  • Excellent help to get a remortgage . Thank you . Efficient and knowledgeable.
    Laura R
  • Dealing with mortgage key has been effortless. Callum has made me feel at ease during the whole process and to be honest I cannot think of one bad thi...
    Daniel Mitchell
  • Always give excellent advice and service
    Nicola Rice
  • Really good service with these guys. The whole team were really informative through out even through the covid 19 pandemic! Couldn’t recommend more!...
    Leo Berry
  • Excellent service..very friendly and knowledgeable advisors...thank you Tracy..I can thoroughly recommend them. This is the fourth time I've used them...
    Pamela Davey
  • Great service, offer within 12 hours.
    Mr Daly
  • Superb from start to finish
    Steve
  • At the beginning of the Coronavirus pandemic, I was close to signing a new mortgage deal which was nearly £200 more expensive than the deal they have...
    Benjamin Bailey

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