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'm quite amazed on the speed and efficiency of the broker. I have exactly what i want and its all ready to go within 1 week of the process. Thank yo...
    Customer Peter
  • Good communication from start to finish verbally and via online system/emails. Good advice and guidance on the best options for a mortgage.
    Cat
  • My whole experience from start to finish was flawless. Tracey and Shannon were amazing so professional. I would highly recommend.
    Donna
  • Excellent service, very professional and was kept up to by Amelia and Ryan. Many thanks
    Mrs spencer
  • Great company and very efficient.
    Abiodun Solebo
  • Rory was extremely helpful as has been the case I have always contacted him
    Christine Barker
  • Connor Phillips was once again exceptional in helping me get to where I need to be on my mortgage. 5 stars all round.
    Oliver Cooper
  • Fantastic experience with mortgage key, Victoria was very knowledgable and secured a mortgage offer when I didn’t think I’d meet requirement, and ...
    Zoe Robertson
  • Responsive Knowledgeable Fast
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  • Thank you very much for very quick response and help alot 👍
    Maryam Nasreen
  • I have been to couple of lenders to borrow some money on my remortgage, No one could find me a deal with a reasonable interest rate. Thanks to Mortgag...
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  • The process so far has been amazing. Staff are professional, easy to deal with and prompt. Constant updates and reassurance . Would wholeheartedly r...
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  • Amazing experience, highly recommend!
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  • Very good vervice
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  • Everything was speedily done and we got our remortgage offer so quickly.
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  • My experience is always easy & straight forward.
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  • They are so polite and very helpful, I would recommend them 100%
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  • We have had a fantastic experience with the team at Mortgage Key,Josh and Amelia were always friendly, polite and willing to help. Liam who was with u...
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  • Great advice explained everything friendly manner
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  • Quick and helpful.
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