Help To Buy Mortgages

Compare Help to Buy Mortgages

NatWest 2 Year Fixed £500 CASHBACK »

Call FREE - 0800 158 2934 

2.41%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 90% LTV CASHBACK Deal
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Royal Bank of Scotland 2 Year Fixed £500 CASHBACK »

Call FREE - 0800 096 7447 

2.41%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 90% LTV CASHBACK Deal
  • Call FREE - 0800 096 7447


Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare help to buy mortgages? - The Government Help to Buy Scheme aims to help first time buyers or home movers with a low deposit. You only need to put down a deposit of 5% and the Government will help to boost this - use our mortgage tables below to see a selection of market leading mortgage deals.

Help To Buy Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

4.09%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

4.09%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

3.89%

Reverts to 4.24%

2

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

3.89%

Reverts to 4.70%

3

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.
Fixed

3.89%

Reverts to 4.70%

3

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.
Fixed

3.98%

Reverts to 4.24%

3

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

4.09%

Reverts to 4.24%

5

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

4.49%

Reverts to 4.70%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.
Fixed

4.49%

Reverts to 4.70%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.
Fixed

4.59%

Reverts to 4.00%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.
Fixed

4.59%

Reverts to 3.75%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Independent Mortgage Quotes & Advice Service
Mortgage ServiceIndependent Mortgage AdviceMortgage Quotes Tailored to youFast Track ServiceMortgage Protection ReviewGet Quotes
yesyesyesyesMore Info >

Call 0117 332 6063

to speak to the Fair Mortgages team.

Help to Buy Mortgage Deals

Prospective homeowners could have the option to buy with a deposit of as little as 5% of the property value. The Government offers a guarantee of 15% of the loan to the lender. The scheme will be available for first-time buyers and home movers borrowing to buy homes up to a value of £600,000. The Help To Buy scheme is available to existing homeowners and first time buyers, and can be used to purchase a new build or an existing house.

 

The Help To Buy Mortgage scheme has several criteria that you must meet in order to be eligible, including:

  • You must be planning to live in your house and not rent it out i.e. it will be your main residence
  • You cannot own any other property, in full or in part
  • The property you want to buy must be in the UK
  • You and any joint applicant must be over 18
  • The purchase price or valuation of the property must be no more than £600,000
  • You must be able to provide a deposit of at least 5% but less than 10%
  • The mortgage must be taken out on a capital and interest repayment basis (i.e. it can’t be interest only)
  • The mortgage must be to buy your only property - you cannot use it to buy a second home
  • The mortgage cannot be for a shared equity or shared ownership purchase
  • You and any joint applicant must be able to meet the mortgage lender's affordability criteria
  • You and any joint applicant are able to meet the mortgage lender's underwriting criteria - such as an acceptable valuation and being able to provide proof of income, etc.

 

If you require independent advice on help to buy mortgages please use our mortgage quotes and advice service or call us on 0117 332 6063.

 

Compare Remortgage Rates With QuoteSupermarket.com

Top 5 Mortgage Deals

Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.41%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.12%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.12%

Reverts to 3.75%

5

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.64%

Reverts to 3.69%

10

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


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

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

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker