Your browser is out of date

This website has been built for modern browsers, yours is many years out of date and as a result, your experience of this website will be poor.

Please upgrade your browser and pop back.


Help to Buy Mortgage

As a first-time buyer, you’ll be keen to get your foot on the property ladder as soon as possible. With a Help to Buy mortgage, getting started is easy.

The Help to Buy scheme is designed to make saving for a deposit easier for first-time buyers, therefore improving the accessibility of purchasing your own home.


It’s a government-backed scheme that allows you to purchase a property with a deposit of as little as 5%. The government will provide you with a loan of up to 20% of the value of a new build home, and you then borrow the rest (up to 75%) from a mortgage lender.


We’ve helped hundreds of first-time buyers obtain a Help to Buy mortgage. We’ll work with you to understand your requirements, and advise you on every stage of the process, so you can feel confident and supported on your journey to home ownership.

What about London Help to Buy mortgages?

As London property prices are higher than the rest of the UK, you can apply for a government loan of up to 40%. This means you’ll only need a mortgage of 55% of the property price, rather than 75%.

Do I qualify for a Help to Buy mortgage?

To qualify for a Help to Buy mortgage, you’ll need to meet the following criteria:


  • You must be a first-time buyer
  • You need a minimum cash deposit of 5%
  • The property being purchased must be a new build and cost no more than £600,000
  • You cannot own another property other than your new home
  • You cannot sublet or participate in a part exchange for your current home
  • You must live in England. Scotland, Wales and Northern Ireland have their own schemes

Ready to buy a home with Help to buy?

If you’re a first-time buyer looking to get on the property ladder through a Help to Buy mortgage, we can help. Just get in touch with a member of our friendly team.

Momentum Mortgages is proud to be a part of Embrace Financial Services .