Help To Buy - Mortgage

The "Help to Buy" brand historically encompassed two distinct financial mechanisms designed to bridge the "deposit gap" for buyers:

The Help to Buy – Wales scheme remains active for new-build properties under £300,000 until September 2026 .

The government provided a low-interest loan of up to 20% (or 40% in London) of a new-build home's value. Buyers only needed a 5% deposit and a 75% traditional mortgage.

Research into the decade-long operation of Help to Buy reveals a complex mix of economic outcomes: Help to Buy: Equity Loan scheme – progress review

The original Equity Loan schemes are closed to new applicants.

A permanent Mortgage Guarantee Scheme (often referred to as "Freedom to Buy" ) was launched in July 2025. It continues to support 95% mortgages for both new and existing homes up to £600,000. ⚖️ Impact and Critical Analysis