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Help to Buy: Mortgage Guarantees

Mortgage guarantees helps you buy a home with a deposit of 5% of the purchase price. It’s open to both first-time buyers and home movers for new-build and older homes in the UK with a purchase price up to £600,000.

The guarantee is provided to your mortgage lender by the government - not to you.



  • have a purchase price of £600,000 or less

  • not be a shared ownership or shared equity purchase

  • not be a second home

  • not be rented out after you buy it

You don’t have to be a first-time buyer and there’s no limit on your level of income. But you can’t use Help to Buy with any other publicly funded mortgage scheme, or an interest-only mortgage.

 How to apply : the following lenders are taking part in the scheme

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