Compare Best Help To Buy Mortgages Rate

Compare all help to buy mortgages that are available with the Help to Buy equity loan or mortgage guarantee scheme so you could buy a home with a portion of the deposit with a government guarantee.

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146 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Barclays 2 year fixed shared equity
Maximum LTV
55%
Initial rate
1.12% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.14% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year BBR tracker cashback remortgage
Maximum LTV
85%
Initial rate
1.16% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year BBR tracker remortgage
Maximum LTV
85%
Initial rate
1.16% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.27% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.31% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.8% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 28 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
55%
Initial rate
1.33% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.8% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 28 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.37% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 5 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.39% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.7% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.41% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.8% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 28 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year BBR tracker
Maximum LTV
80%
Initial rate
1.44% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year BBR tracker cashback mortgage for first time buyers
Maximum LTV
80%
Initial rate
1.44% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year BBR tracker cashback remortgage
Maximum LTV
85%
Initial rate
1.49% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year BBR tracker remortgage
Maximum LTV
85%
Initial rate
1.49% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
TSB 2 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.54% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year fixed cashback remortgage
Maximum LTV
85%
Initial rate
1.56% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.25% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year fixed remortgage
Maximum LTV
85%
Initial rate
1.56% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.25% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 3 year fixed cashback remortgage
Maximum LTV
85%
Initial rate
1.56% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.75% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 3 year fixed remortgage
Maximum LTV
85%
Initial rate
1.56% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.75% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
TSB 5 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.59% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.8% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.61% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 29 Feb 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.64% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.9% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 28 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount shared equity
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount shared equity remortgage
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year discount shared equity
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted

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

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.68% APRC representative
Initial rate2.17% fixed for 2 years (24 instalments of £723.54pm)Subsequent rate (SVR)3.90% variable for the remaining 23 years (276 instalments of £877.63pm)
Lender fee£544Total amount payable£260,133.79

How to get a mortgage with Help to Buy

You can buy a home you will live in yourself with the government's Help to Buy scheme. You can get an equity loan, which you put towards your deposit and is interest free for five years.

A new mortgage guarantee scheme that started in April 2021 is helping people get a mortgage with a 5% deposit.

Where can you get Help to Buy?

There are schemes available across the UK, but some can only be used in:

  • England

  • Scotland

  • Wales

  • Northern Ireland

Here is how to check which schemes are available in the area you want to buy in.

What types of Help to Buy mortgage can you get?

You have to get a mortgage designed for Help to Buy, and they are not offered by every lender. This comparison includes every mortgage you can get with Help to Buy.

You can get most types of mortgage under Help to Buy, including those with:

  • Fixed interest rates

  • Tracker interest rates

  • Discount interest rates

  • Cashback paid when the mortgage completes

Here is how to decide what type of interest rate will work out cheapest.

How to apply

You can apply through your local Help to Buy agent. Once your loan and purchase are agreed, you can use this comparison to compare Help to Buy mortgages.

Here is how to apply for a Help to Buy mortgage

Contact a broker if you need help choosing the best mortgage

Help to Buy mortgage FAQs

About our mortgage comparison

Further Information

Last updated: 11 October, 2021

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