Help to Buy Mortgage Guarantee Scheme
Get a mortgage with a deposit of 5% to 10%
The government’s Help to Buy mortgage guarantee scheme could help you get on or move up the property ladder.
- Get help if you’re struggling to save for your deposit
- Suitable for first-time buyers and movers
- Available for all UK properties up to £600,000
Your home may be repossessed if you do not keep up repayments on your mortgage.
How it works
It’s just like a normal mortgage – you’ll make repayments as set out in your mortgage agreement.
- You can buy any property in the UK worth up to £600,000
We can accept a lower deposit than normal because we’re able to buy a guarantee on the mortgage from the government
You can’t use Help to Buy to apply for our Family Springboard Mortgage, or buy to let and shared ownership mortgages
Who isn’t eligible?
You can’t apply through the Help to Buy mortgage guarantee scheme if you’re :
- Taking out an ‘interest-only’ or ‘part-interest-only’ mortgage
- The owner or co-owner of another property, even if it’s rented out
- Applying as a company rather than as an individual
Raising your deposit using another government scheme
Our current rates
This table outlines what the initial interest rate will be, as well as the follow-on rate, the amount you can borrow and any early repayment charges that may apply. You can sort any of the columns by selecting the column title.
The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.
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Initial interest rate
Follow on interest rate
Overall cost for comparison
Loan to value
Early repayment charge
More ways to buy your home
Combine your income with your parents’ income to get a joint mortgage that may help you get on or move up the property ladder.Explore Helpful Start
Get on or move up the property ladder without a borrower deposit if your family can provide 10% of the property’s price as security.Explore Family Springboard
Help to Buy equity loans
Government equity loans increase the deposit you can provide so you can choose from a wider range of mortgage deals for new-build properties.Explore equity loans
Buying a share of a property with a housing association means you can apply for a smaller mortgage amount – and buy more shares later if you choose to.Explore shared ownership
Buying a home with other people
If you can’t afford a place of your own, buying with other people could help you all get on the property ladder.Explore buying with others
Subject to status and availability. You must be 18 years old or over to apply for a mortgage.
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