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Help-to-Buy Mortgages 

Help to Buy is a government backed programme which was founded in 2013 with the aim of supporting buyers on to the property ladder. The Help to Buy scheme offers an equity loan to first-time buyers to purchase a new-build home with just a 5% deposit of the purchase price. Under this scheme, you can borrow 20% of the purchase price (40% in London), interest free for five years. Maximum purchase prices for Help to Buy differs regionally and this is something that our advisors will be able to provide information on.

From 1st April 2021, you will not qualify for Help to Buy if you are not a first-time buyer, and you must purchase the property as your permanent place of residence. You may not sub-let part of the house under this scheme and you cannot rent your existing property and subsequently apply for a Help to Buy mortgage.

Help to Buy England

Help to Buy Wales

The information on this website is subject to the regulatory regime and is therefore targeted at consumers in the UK.  No representations are made as to whether the information is applicable in any other country which may have access to it.


Providence Global Finance is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. Registered in England No. 2412345

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