Help to Buy Mortgages

Already have a Help to Buy home? Whether your mortgage is with The Cambridge or another lender, we can help you understand your options, including switching deals, remortgaging and repaying your Help to Buy equity loan.

Book an appointment today

Help to Buy mortgages: your options

Whether you're approaching the end of your current deal, thinking about remortgaging, or looking to repay your Help to Buy equity loan, we're here to help you understand your options.

The Government's Help to Buy scheme is no longer available for new applications in England and Scotland, but we continue to support existing Help to Buy homeowners. Whether you already have a mortgage with The Cambridge or are looking to move your mortgage from another lender, we're here to help you understand your options.

Is your Help to Buy mortgage deal coming to an end?

If your Help to Buy mortgage deal is coming to an end, it could be a good opportunity to review your options. Many homeowners choose to switch to a new mortgage deal before moving onto their lender's standard variable rate, which could mean higher monthly payments.

We'll help you understand the options available and what happens next, so you can decide whether switching to a new deal with The Cambridge is right for you.

Ready to review your options? Our guides have information about the process and the options available to you. Read our switching guides or book an appointment with one of our mortgage advisers to discuss your options.

Looking to move your Help to Buy mortgage to The Cambridge?

If you currently have a Help to Buy mortgage with another lender and are thinking about moving your mortgage to The Cambridge, we're here to help.

Our mortgage advisers will take the time to get to know your situation, answer your questions and explain the options available. Whether you're ready to make a change or simply finding out more, we're here to help you make a decision about your next steps.

Reducing your Help to Buy equity loan

Whether you already have your mortgage with The Cambridge or are considering moving to us, our advisers can explain the options available to help you reduce or repay your Help to Buy equity loan.

You may be able to borrow more to reduce or repay your Help to Buy equity loan. You can do this in stages (known as staircasing) or all at once. The extra borrowing cannot be used for any other purpose.

If you're unsure about your options, our mortgage advisers can talk you through the process and help you decide what could work best for your circumstances.

Note: All mortgages and additional borrowing are subject to eligibility, affordability and our lending criteria.

Ready to explore your options?

Book an appointment with a mortgage adviser or browse our guides to learn more about your next steps.

FAQs

Is Help to Buy still available?

The Help to Buy Equity Loan scheme in England and Scotland closed to new applications in October 2022, but existing buyers can still manage their loans. Some lenders now offer similar low-deposit mortgage options.

Can I switch my mortgage deal if I still have a Help to Buy equity loan?

Yes. Depending on your circumstances, you may be able to switch to a new mortgage deal. Our mortgage advisers can help you understand the options available and find a deal that's right for you.

Can I remortgage my Help to Buy equity loan?

Yes it's possible to remortgage if you still have a Help to Buy equity loan. The options available to you will depend on your individual circumstances and the requirements of the Help to Buy scheme.

Can I borrow more on my Help to Buy mortgage?

You may be able to borrow more to reduce or repay your Help to Buy equity loan, subject to affordability and lending criteria. Whether you're looking to repay part of your equity loan or pay it off in full, our mortgage advisers can explain your options and guide you through the process. Please book an appointment or call us on 0345 601 3344 to discuss your options.

What other mortgage options are available for first-time buyers?

We support first-time buyers with a range of mortgage options, including low-deposit, shared ownership, and Joint Borrower Sole Proprietor mortgages, helping make homeownership more accessible regardless of your savings or affordability situation. Find out more about these options.

What happens next?

Whether you're already with The Cambridge or looking to switch to us, take a look at our available mortgage deals and look for those with Help to Buy in the title.

Looking for more information? Our guides can help you understand the process of switching deal and remortgaging.

Ready to discuss your options? Book an appointment with one of our mortgage advisers or call us on 0345 601 3344.

Which mortgage is right for you?

2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.59%	7.39%	7.3% APRC	90%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

2 Year Fixed Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.44%	7.39%	7.3% APRC	80%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	7.39%	6.9% APRC	80%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.89%	7.39%	7.2% APRC	80%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

2 Year Discounted Variable Rate Mortgage - No ERC

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.14%	7.39%	7.2% APRC	80%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

2 Year Discounted Variable Rate Mortgage (1)

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.24%	7.39%	7.3% APRC	90%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Low Deposit 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.79%	7.39%	7.3% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Low Deposit 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	7.39%	7.0% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.49%	7.39%	7.3% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Shared Ownership 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.79%	7.39%	7.3% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Shared Ownership 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.0% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.24%	7.39%	7.2% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Interest Only 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.44%	7.39%	7.4% APRC	70%	£0	£0	£400	£1999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Interest Only 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	7.39%	7.1% APRC	70%	£0	£0	£400	£1999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Interest Only 2 Year Discounted Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.89%	7.39%	7.3% APRC	70%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.14%	7.39%	7.4% APRC	70%	£0	£0	£0	£1999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Credit Assist Mortgage - 2 Year Fixed Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.74%	7.39%	7.4% APRC	85%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage 3 Year Discounted Variable Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.34%	7.39%	7.1% APRC	85%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	8.44%	8.0% APRC	80%	£0	£	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	8.44%	7.5% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.4% APRC	70%	£0	£	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	7.39%	7.3% APRC	70%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	7.39%	7.3% APRC	75%	£0	£0	£200	£0	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Help to Buy 2 Year Discounted Variable Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.09%	7.39%	7.2% APRC	75%	£0	£0	£0	£299	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

2 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.84%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.39%	8.44%	8.1% APRC	80%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Holiday Let 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.64%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two

Holiday Let 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Holiday Let 2 Year Discounted Variable Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.09%	8.44%	8.1% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

Expat 2 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.74%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Expat 5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	8.44%	7.6% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.29%	8.44%	8.1% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

Retirement Interest Only Variable Rate Mortgage

Rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.19%	Not applicable	5.4% APRC	55%	£0	£0	£0	£500	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.88%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Retirement Interest Only 2 Year Fixed Rate Mortgage

Initial rate	RIO variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.78%	5.19%	5.5% APRC	55%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Retirement Interest Only 5 Year Fixed Rate Mortgage

Initial rate	RIO variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.88%	5.19%	5.6% APRC	55%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.0% APRC	98%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	7.39%	7.4% APRC	98%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.69%	7.39%	6.9% APRC	90%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

5 Year Fixed Rate Limited Company Holiday Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.98%	8.44%	7.6% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Guides for you

More guides for borrowers

for borrowersSwitching your mortgage deal

for borrowersYour guide to remortgaging

Mortgage Glossary

More guides for borrowers

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Help to Buy Mortgages

Book an appointment today

Help to Buy mortgages: your options

Is your Help to Buy mortgage deal coming to an end?

Looking to move your Help to Buy mortgage to The Cambridge?

Reducing your Help to Buy equity loan

Ready to explore your options?

FAQs

What happens next?

Which mortgage is right for you?

Results

2 Year Fixed Rate Mortgage

2 Year Fixed Rate Mortgage - 80% LTV

5 Year Fixed Rate Mortgage - 80% LTV

2 Year Discounted Variable Rate Mortgage - 80% LTV

2 Year Discounted Variable Rate Mortgage - No ERC

2 Year Discounted Variable Rate Mortgage (1)

Low Deposit 2 Year Fixed Rate Mortgage

Low Deposit 5 Year Fixed Rate Mortgage

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Shared Ownership 2 Year Fixed Rate Mortgage

Shared Ownership 5 Year Fixed Rate Mortgage

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Interest Only 2 Year Fixed Rate Mortgage

Interest Only 5 Year Fixed Rate Mortgage

Interest Only 2 Year Discounted Rate Mortgage

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Credit Assist Mortgage - 2 Year Fixed Rate

Credit Assist Mortgage 3 Year Discounted Variable Rate

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Help to Buy 2 Year Discounted Variable Rate Mortgage

2 Year Fixed Rate Buy to Let Mortgage

5 Year Fixed Rate Buy to Let Mortgage

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Holiday Let 2 Year Fixed Rate Mortgage

Holiday Let 5 Year Fixed Rate Mortgage

Holiday Let 2 Year Discounted Variable Rate Mortgage

Expat 2 Year Fixed Rate Buy to Let Mortgage

Expat 5 Year Fixed Rate Buy to Let Mortgage

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Retirement Interest Only Variable Rate Mortgage

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Retirement Interest Only 2 Year Fixed Rate Mortgage

Retirement Interest Only 5 Year Fixed Rate Mortgage

First Step 5 Year Fixed Rate Mortgage

First Step 2 Year Fixed Rate Mortgage

5 Year Fixed Rate Mortgage

5 Year Fixed Rate Limited Company Holiday Let Mortgage

Guides for you

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