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Help to buy is a government scheme which provides first time buyers with buying a new home. With help to buy you only need to provide 5% of a home's value as a deposit. The government scheme will step in and lend up to 45% of the new home.

Lenders listed below participate in the help to buy scheme.

This makes our LTV . Invalid LTV.

Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Sep-2021 From Virgin Money
Initial rate 2.09% Sep-2021
Maximum LTV 90%
Overall cost of comparison 4.5% APRC
See deal
£500 Cashback
£500 Cashback with this 10% Deposit Deal from Virgin Money
Call NatWest 0800 068 8567
NatWest logo
Fixed Oct-2021 From NatWest
Initial rate 1.52% Oct-2021
Maximum LTV 75%
Overall cost of comparison 4% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Oct-2021 From Royal Bank Of Scotland
Initial rate 1.52% Oct-2021
Maximum LTV 75%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2021 From Post Office
Initial rate 1.63% Sep-2021
Maximum LTV 80%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Sep-2021 From Virgin Money
Initial rate 1.75% Sep-2021
Maximum LTV 75%
Overall cost of comparison 4.4% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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How To Get A Help to Buy Mortgage

If you are looking to get on the housing ladder and you don't have enough to put down a deposit for a home, a help to buy shared ownership scheme allows you to part own your own (typically between 25% to 75%) and pay rent on the remaining share. Later on when you can afford it you have the option of buying a bigger share.

With the cost of buying property going up more and more people are opting for help to buy; shared ownership mortgage schemes.

Shared equity ownership schemes vary, but in general what they tend to have in common is that they provide buyers with a loan to cover some of the value of the property, in the form of equity or a mortgage guarantee.

In practice, this means that the buyer can get on the housing ladder with a lower deposit than would normally be accepted by mortgage lenders, because the Government is shouldering some of the risk.

How do help to buy shared ownership mortgage schemes work?

As an example a housing association is offering new build houses for £300,000. If you got a mortgage to buy 80% your share of the property would be worth £240,000. You would then pay rent on the remaining 20% (£60,000) to the housing association.

Who qualifies for shared ownership mortgage schemes?

  • Income - You will be eligible if your household income is £80,000 or less. If you live in London the household limit is £90,000.
  • First time buyer - You need to be a first time buyer or
  • A previous homeowner - Who can no longer afford to buy now
  • Tenants - Renting from a council or housing association
  • Long term disability - if you have a long term disability you may qualify under the Government's Home Ownership For People With Long Term Disabilities (HOLD)

Which Lenders offer help to buy shared ownership mortgages?

Not all lenders offer shared ownership mortgages.

See our table above for lenders that offer mortgages on a shared ownership or help to buy basis.

Why do people Choose help to buy mortgages?

The main reason is to keep monthly costs to a minimum. 

1. Low deposit

Mortgages are available with as little as 5% deposit.

2. Affordability

A shared ownership mortgage is an affordable way to get on the housing ladder by remortgaging you may be able to release equity in your home.

Post Office Mortgage OffersPost Office offer a great range of mortgages that are available for shared ownership - Click here »

Family Mortgage

No Big Deposit? No Big Deal!

  • If you are a first time buyer who could afford the monthly repayments, but are struggling to save for a deposit.
  • If you are a parent who owns their property outright and is keen to help your children get on the ladder sooner, but don't have a large cash sum available.

To Qualify:

  • Your assistor must be a close relative (parents and step-parents, brothers and sisters and step-brothers and step-sisters).
  • You must be a first time buyer in order to apply (for joint applications, this applies to both buyers).
  • You will be assessed on your ability to meet the repayments for both mortgages. Your minimum assessable income needs to be at least £20,000.

Click here for more information about the "Family Link Mortgage For Shared Ownership" - Click here »

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If you are not sure whether now is the right time to remortgage or whether you can get an interest only deal speak to our independent mortgage broker team who will be able to offer impartial advice or you can call us on 0117 403 3464

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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