Mortgage321 Help to Buy
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See how the Government’s Help to Buy scheme could help you take the first steps towards your new home.

  • Get a mortgage with just a 5% deposit

  • Top up your deposit to access more mortgage deals

  • See how Help to Buy could improve your chances of being accepted even with bad credit

  • Buy a bigger property with assistance from the Government

About Help to Buy.

What is Help to Buy? 

Help to Buy means you can apply for a mortgage with a 5% deposit – the government provides a loan (called an equity loan) of up to 40% in for London properties or 20% outside London (the limit is 15% in Scotland). You then borrow the rest of the purchase amount as a mortgage. The government loan means you borrow less from the mortgage provider, giving you a wider range of mortgage rates to choose from because your loan-to-value ratio is lower.

Who’s eligible for a Help to Buy equity loan? 

To be eligible for a Help to Buy equity loan, you need to be buying a new-build property costing no more than £600,000 that you’ll be living in as your home. You don’t need to be a first-time buyer, but you’re not eligible if you own another property in addition to one you’re selling. You can’t rent out any part of a property bought through Help to Buy.

Is Help to Buy only for new-build properties? 

Help to Buy is only for new-build properties. Ask the property developer if the property you’re interested in is eligible for help to Buy. 

More Help to Buy mortgage questions? 

If you're looking for advice on a Help to Buy mortgage, Mortgage321 will have the answers. Contact us today!

Mortgage321, Specialists in Help to Buy Equity Share Mortgages for all types of credit backgrounds

Address: Suite 152, 9 St Johns Street

Colchester Essex CO2 7NN

Tele: 01255 440142 or 0800 612 8292



Opening Times: Monday - Saturday 9am - 10pm 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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Please be aware that by clicking on to the external links contained within this website, you are leaving the Mortgage321 website. Please note that neither Matthew Christopher Pigrome nor Ingard Financial Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this website.

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The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

*This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personalised illustration

*^Source Trigold June 2019

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