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Help to Buy calculator

Use our Help to Buy calculator to work out whether you could afford to buy a home using a Help to Buy equity loan.

This calculator combines your finances and rough property price to work out whether you could potentially buy with a Help to Buy equity loan.

If you'd like a free consultation about your mortgage options when it comes to Help to Buy, call Which? Mortgage Advisers on 0800 197 8461 or fill in the form at the bottom of the page for a free callback.

How does Help to Buy work in different parts of the UK?

Help to Buy equity loans enable homebuyers to purchase a new-build property using a government loan. The size of loan and maximum property price vary according to where you're buying.

There isn't currently a Help to Buy equity loans scheme in Northern Ireland, but here's an overview of how it works throughout the rest of the UK. Just click the links in the left-hand column to find out more about how it works in your area:

Help to Buy scheme Maximum equity loan Maximum property price
England (excluding London) 20% £600,000
London 40% £600,000
Scotland 15% £200,000
Wales 20% £300,000

 

Find out more about Help to Buy

While taking out a Help to Buy equity loan to boost your buying power might sound like a no-brainer, there are a number of pros and cons to this scheme.

Check out our guide to Help to Buy equity loans to find out more - or for free, personal advice, call Which? Mortgage Advisers on 0800 197 8461 or fill in the form below.

If you'd like to talk to an expert adviser about your mortgage options, complete your details and Which? Mortgage Advisers will give you a free call back.

Request a FREE call back
  • Completely impartial advisers who don't work on commission
  • We'll search the whole of the market including direct deals
  • Free initial consultation - a fee is only payable if you decide to apply for a mortgage
Submit request When you complete this form your details are sent securely to Which? Mortgage Advisers. We will only contact you for your free consultation. Your home may be repossessed if you do not keep up repayments on your mortgage.

Correct as of date of publication.


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