Help to Buy Mortgages

If you're looking for a new mortgage deal for your existing Help to Buy home, we'll be here.

Book an appointment today

Got a question?
Try our mortgages help centre

The Government's Help to Buy scheme is no longer available for new applications in England, however if you own a Help to Buy home through the scheme, we have mortgages available whether you're looking to switch to a new deal, provider or borrow more money.

So what next?

If you'd like to see what mortgages we may be able to offer for your Help to Buy home, simply click here and look for those with Help to Buy in the title.

If you'd like to find out more about the process of switching deals, remortgaging or borrowing more, check out our guides.

Or, if you're ready to discuss your Help to Buy mortgage with an adviser, book an appointment today or call us on 0345 601 3344.

 

Which mortgage is right for you?

Results

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% APRC90%£0£0£400£999Early Repayment Charges Applydetails

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% APRC80%£0£0£400£999Early Repayment Charges Applydetails

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

5 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
5.54%7.39%6.8% APRC80%£0£0£400£0Early Repayment Charges Applydetails

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
4.74%7.39%7.1% APRC80%£0£0£0£499Early Repayment Charges Applydetails

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
4.99%7.39%7.2% APRC80%£0£0£0£999Early Repayment Charges Applydetails

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
5.09%7.39%7.2% APRC90%£0£0£0£999Early Repayment Charges Applydetails

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% APRC95%£0£0£0£499Early Repayment Charges Applydetails

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% APRC95%£0£0£0£499Early Repayment Charges Applydetails

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
5.34%7.39%7.2% APRC95%£0£0£0£499Early Repayment Charges Applydetails

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% APRC95%£0£0£200£499Early Repayment Charges Applydetails

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

Shared Ownership 5 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
5.99%7.39%7.0% APRC95%£0£0£200£0Early Repayment Charges Applydetails

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
5.09%7.39%7.2% APRC95%£0£0£200£499Early Repayment Charges Applydetails

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% APRC70%£0£0£400£1999Early Repayment Charges Applydetails

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

Interest Only 5 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
5.54%7.39%7.0% APRC70%£0£0£400£0Early Repayment Charges Applydetails

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
4.74%7.39%7.3% APRC70%£0£0£0£999Early Repayment Charges Applydetails

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
4.99%7.39%7.4% APRC70%£0£0£0£1999Early Repayment Charges Applydetails

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% APRC85%£0£0£400£999Early Repayment Charges Applydetails

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% APRC85%£0£0£400£999Early Repayment Charges Applydetails

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% APRC80%£0££800£999Early Repayment Charges Applydetails

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% APRC80%£0£0£800£999Early Repayment Charges Applydetails

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% APRC70%£0££400£999Early Repayment Charges Applydetails

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% APRC70%£0£0£400£999Early Repayment Charges Applydetails

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% APRC75%£0£0£200£0Early Repayment Charges Applydetails

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
4.84%7.39%7.1% APRC75%£0£0£0£299Early Repayment Charges Applydetails

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% APRC80%£0£800£800£999Early Repayment Charges Applydetails

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
5.64%8.44%7.4% APRC80%£999£800£800£800Early Repayment Charges Applydetails

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
5.24%8.44%8.1% APRC80%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

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
5.69%8.44%7.4% APRC80%£0£800£800£999Early Repayment Charges Applydetails

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
4.99%8.44%8.0% APRC80%£0£0£800£999Early Repayment Charges Applydetails

Early repayment charges - 1% 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
5.89%8.44%7.5% APRC80%£0£800£800£999Early Repayment Charges Applydetails

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
5.14%8.44%8.1% APRC80%£0£0£800£999Early Repayment Charges Applydetails

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

Retirement Interest Only Variable Rate Mortgage

RateStandard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.19%Not applicable5.4% APRC55%£0£0£0£500Early Repayment Charges Applydetails

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
5.68%8.44%7.4% APRC80%£0£800£800£999Early Repayment Charges Applydetails

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 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% APRC55%£0£0£400£999Early Repayment Charges Applydetails

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% APRC98%£0£0£0£499Early Repayment Charges Applydetails

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 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% APRC90%£0£0£400£999Early Repayment Charges Applydetails

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 borrowersA guide to switching your mortgage deal
Mortgage Glossary
More guides for borrowers

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

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