Help to Buy

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.

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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:

Useful Links

Why Momentum Mortgages?

Podcast Interviews With The Momentum Mortgages Team