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Help to Buy

Help to Buy mortgage guarantee

By Marie Kemplay

Article 2 of 8

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Help to Buy mortgage guarantee

The Help to Buy mortgage guarantee scheme has now closed for applications.

The Help to Buy mortgage guarantee scheme has now closed. Its sister scheme, the Help to Buy equity loan, however, is still open.

There are also a wide range of mortgages on the market for people with small deposits, including 95% mortgages, which allow you to put down just 5% of the purchase price. 

As of the end of July 2017 there were 289 95% mortgages available for buyers, with average interest rates of 3.19%. In addition, those with slightly more cash as their disposal could choose from 496 90% mortgages and 519 85% mortgages on the market, according to Moneyfacts data.

In our 95% mortgage guide, we explain the ins and out of these products, including the lending criteria that you'll need to meet.

You also can learn about other home ownership schemes for people looking to get on to the property ladder in our full first-time buyers guide. 

  • For personal advice about buying your first property using a Help to Buy scheme, call Which? Mortgage Advisers on 0808 252 7987.
  • Last Updated: July 2017
  • Updated by: Marie Kemplay


Correct as of date of publication.


Your home may be repossessed if you do not keep up repayments on your mortgage.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.