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Help to Buy Mortgage Guarantee Scheme

Help to Buy mortgage guarantee scheme

Get help to buy your first or next home if you’re finding it hard to save the deposit you need.

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

Not what you're looking for?
Try our first-time buyers centre or Help to Buy: ISA .

Your home may be repossessed if you do not keep up repayments on your mortgage.

How it works

Get the property you want with a deposit of between 5% and 10%.  

The scheme

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.

You can save a copy of our tariff of mortgage charges and read our important legal information.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.


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Product name:

Initial interest rate

Follow on interest rate

Overall cost for comparison

Loan to value

Mortgage fee

Early repayment charge

How to apply

To apply, you’ll need to speak to one of our mortgage advisers. You can call us or visit a branch to book an appointment.

Call 0800 197 1081 1

Need some help?

You can talk to us about our mortgages online, in branch or over the phone at a time that suits you.

Important information

Subject to status and availability. You must be 18 years old or over to apply for a mortgage.

1.  Lines are open Monday to Friday, 8am to 9pm, Saturday 9am to 8pm and Sunday 10am to 4pm. To maintain a quality service, we may monitor or record phone calls. Call charges