Help to Buy Scheme

For the first five years after purchase there are no loan fees on the Help to Buy: Equity Loan, but if you sell you do have to repay the loan percentage at the price at which the property sells for example, if a property sold for £210,000, you’d get £168,000 (80%), from your mortgage and the cash deposit and you’d pay back £42,000 on the loan (20%). You’d need to pay off your mortgage with your share of the money.

Help to Buy Scheme Information

This scheme allows you to buy a New Build property with an equity loan from the government under the Help to Buy:Equity Loan.

The equity loan is a maximum of 20% of the property value (to a maximum property value of £600,000) with a minimum personal deposit of 5%. We will guide you through the process and tell you if you qualify and how much you can afford to purchase at under this scheme. We will then recommend the most suitable lender and mortgage product for you from our panel of lenders that support the Help to Buy scheme.

To reflect the current property prices in London, the Government gives home-buyers within Greater London from 20% to 40%.

As well as the Help to Buy scheme there are other ways of buying your New Build home if you have a small deposit. If your deposit is 10% or less some lenders will place a restriction on what deals they will offer you to help you purchase your New Build home. Just Mortgages are New Build specialists. We have access to some exclusive mortgage products which may not be available through other advisers.

Let’s discuss your mortgage options

We are a family mortgage and protection business specialising in offering personal and tailored advice.

We understand how complex these matters can be and we take the time and care to make sure you fully understand the ins and outs of the process.

Get in touch for an initial chat. We are available from early until late Monday to Friday.

No obligation chat

Independent advice

Award winning team

We can help where others can’t

Chat with us TODAY

Contact Us Today

We specialise in helping people to buy a place to call home.
Let us help you today!

Let's Chat

More Reasons to Contact us to
Discuss Your Mortgage Needs

5 star customer reviews
Independant mortgage advice
Specialists in bad credit mortgages
Specialists in self employed mortgages

Personal, tailored service for you
Friendly & approachable team
We are here to support you
Free advice and guidance

Free Mortgage Help & Advice

Welcome to our free mortgage advice section, your trusted resource for navigating the complexities of home financing. Whether you're a first-time buyer or looking to refinance, our expert tips and comprehensive guides are here to help you make informed decisions with confidence. Explore tailored advice, up-to-date market insights, and step-by-step instructions designed to simplify your mortgage journey.

Free Mortgage Help and Advice

Latest Free Mortgage Advice

Self Employed

Thinking of becoming a Self-Employed Mortgage Broker? Here’s What You Need to Know

Have you been working as a mortgage adviser for a bank, estate agent, network or [...]

Read the advice

Mortgages

Declined for a Mortgage? Here’s What to Do Next

Being declined for a mortgage can feel like a major setback. Whether you’re buying your [...]

Read the advice

Mallard Mortgages News

Mallard News

Mallard Mortgages Announced as New Regional Partner of Sheffield Wednesday Football Club

We’re delighted to announce that Mallard Mortgages is now a Regional Partner of Sheffield Wednesday [...]

Read The News

Mallard News

From Kitchen Table to National Recognition: The Mallard Mortgages Journey

As a family-run business, service has always been at the heart of what we do. [...]

Read The News

Help to Buy Scheme