Back | How it Works

Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

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Back|Bad Credit

Bad Credit Mortgages

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How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Secure a Bad Credit Buy to Let Mortgage

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Joint Mortgage Applicant Has Bad Credit

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Back|Bridging

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Back|Buy to Let

Buy to lets

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Back|Development Finance

Development Finance

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Back|Self Employed

Self Employed Mortgages

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Back|Mortgage for Professionals

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Back|Lifetime Mortgages

Lifetime Mortgages

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Back|Expat Mortgage

Expat Mortgages for UK Nationals

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Mortgage Calculator Guide for Expats

Back|Interest Only

Interest Only Mortgages

Switching Your Mortgage to Interest-Only

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Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

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Back|Mortgage Affordability

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Back|Income Types

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Back|Residential Mortgages

Residential Finance

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Back|Commercial Mortgages

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Back|Property Types

Mortgage Rates on New Constructions

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Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

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Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

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What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

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Applying for a First-Time Buyer Mortgage

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgages

UK Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

How To Find the Lowest Fixed Rates on Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages Brokers

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Choosing a Help to Buy Mortgage Lender

Help to Buy may be a governmental scheme, but the qualifying mortgage products are specific to lenders and banks. Here, we explain how the initiative works alongside a mortgage application and what you should look out for when choosing a lender.

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Discover What Our Customers

Have to Say!

About your mortgage

Single or joint mortgage?

Single

Joint

What’s your yearly income?

Error: Yearly income income must be between £1 and £10,000,000.

Do you receive a regular bonus?

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Based on your yearly income,

you may be able to borrow

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

£0

Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.

£0

Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.

£0

Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

Get A Quote

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Choosing a Help to Buy Mortgage Lender

Help to Buy is a popular scheme and helps thousands of first-time buyers get onto the property ladder. It has also been used by homeowners wanting to move and needing support with a deposit value to secure an affordable mortgage.

With a 5% deposit, you can apply for a Help to Buy mortgage lender - but then have the problem of choosing between multiple lenders, and trying to work out which is best placed to offer you the loan you need.

Here we'll run through the top things to look at from a Help to Buy lender. For further support, give the team a call on 0330 304 3040, or send an email to [email protected].

Already Interested, Let’s Get Started!

The following

topics are

covered below

How Do I Choose a Help to Buy Lender?

Can I Check a List of Help to Buy Mortgage Lenders?

Are There Other Lenders who Offer Help to Buy Mortgages?

Which is the Best Help to Buy Lender for Me?

Can I get a Help to Buy Mortgage in Wales?

Can I Get a Help to Buy Mortgage in Scotland?

Independent Advice on Choosing a Help to Buy Lender

Show less

Why Revolution Brokers?

Whole of market brokers

Mortgage that suits you

On time customer support

How Do I Choose a Help to Buy Lender?

The Help to Buy equity loan scheme is offered by the government, so there isn't any negotiating room there.

However, when it comes to mortgage lending, a lot depends on the rules and policies of the lender.

Every mortgage provider is different and has different criteria for lending, such as:

Lending to retired, or later-life borrowers.
Help to Buy mortgages for self-employed people.
Considering different income multiples to set a maximum mortgage offer.
How important your credit history is.

If you're unsure which lender to apply to or don't feel confident in knowing which eligibility criteria you meet, get in touch, and we’ll recommend the best lenders for you.

Can I Check a List of Help to Buy Mortgage Lenders?

Unfortunately, there isn't an official list; so it can be hit and miss applying to mortgage providers that may not support the Help to Buy scheme.

Below we've summarised some of the largest lenders who do offer Help to Buy, and what sort of terms, rates, and conditions apply.

Lender	Help to Buy Mortgage Terms
Barclays	Maximum 40-year term. Incentives from the developer, such as contributions to the deposit or cashback must not be over 5% of the property value. Will not lend against properties with Section 106 agreements. Any incentives such as appliances, fittings or landscaping must be declared on a Disclosure of Incentives form.
Halifax	Lend up to 4.5 times annual income. 5% deposit must come from an approved source - such as cash savings. The mortgage term can be a maximum of 25 years in line with the Help to Buy equity loan.
Lloyds	No lending criteria published.
Nationwide	Do not accept cashback from the developer as a deposit. Will allow other builder incentives such as legal fees, stamp duty contributions or appliances. 5% deposit must be from personal resources. Will not lend to properties under Section 106 or 75 agreements, subject to community impact agreements with local planning authorities.
NatWest	No publically available terms and conditions. Only lends against properties in England.
Santander	Lends only against English properties. Will consider remortgage applications to pay back equity loans in England, Scotland or Wales. Builders cash incentives are not accepted.
Virgin Money	Any builder’s incentive must be no more than 5% of the purchase price. Annual fee charges of 3% of the equity loan charged per month over a year.

Are There Other Lenders who Offer Help to Buy Mortgages?

There are many; the above shows the most well known high street banks, but you will also find Help to Buy products from lenders such as:

Accord Mortgages
Aldermore Mortgages
Bank of Ireland
Bank of Scotland
Chorley Building Society
Clydesdale
Co-Op
Coventry Building Society
First Direct
Kensington Mortgages
Leeds Building Society
Metro Bank
Pepper Mortgages
Platform Help to Buy
Skipton
Teachers Building Society
The Post Office
Together Mortgages
Woolwich
Yorkshire Building Society

HSBC does not offer a Help to Buy mortgage product.

Many lenders outside of banks offer Help to Buy mortgages and can be the best option if you fall outside of general criteria, such as having a bad credit history.

Which is the Best Help to Buy Lender for Me?

Any one of these lenders might have the most competitive product for you; or a niche provider in addition to these lists.

The best way to assess the ideal lender is to consult an independent, whole-of-market broker - as this all depends on your circumstances, the property you wish to buy, and your finances.

Call Revolution Finance Broker on 0330 304 3040, and we'll talk about what you'd like to borrow to be able to recommend the right lender for you.

We'd also advise against applying speculatively to any lender. If you don't meet the criteria and are turned down, you could quickly accumulate credit searches on your file, which can cause problems further down the line.

Can I get a Help to Buy Mortgage in Wales?

Yes, you can - some lenders only lend in specific regions, and some Welsh lenders have minimal postcode limitations on where they can lend.

Can I Get a Help to Buy Mortgage in Scotland?

Yes - just as in Wales, there may be postcode restrictions on some lenders, so it can be challenging to find a mortgage in the Highlands, for example.

The best solution is to use a whole-of-market broker who can recommend any product from any lender that is relevant to your application.

Independent Advice on Choosing a Help to Buy Lender

It isn't always easy to compare mortgages or lenders, since terms aren't always directly comparable, and it may not be clear whether you are eligible for their lending products.

Contact the Revolution Broker team on 0330 304 3040, or via email at [email protected], and we'll direct you to the best-suited lenders to support your application, as well as working through the process with you step by step until you have secured the lending you need.

Almas Uddin

Founder and Mortgage Advisor

Choosing a Help to Buy Mortgage Lender

Discover What Our Customers

About your mortgage

Based on your yearly income,

you may be able to borrow

Choosing a Help to Buy Mortgage Lender

How Do I Choose a Help to Buy Lender?

Can I Check a List of Help to Buy Mortgage Lenders?

Are There Other Lenders who Offer Help to Buy Mortgages?

Which is the Best Help to Buy Lender for Me?

Can I get a Help to Buy Mortgage in Wales?

Can I Get a Help to Buy Mortgage in Scotland?

Independent Advice on Choosing a Help to Buy Lender

Whole of market brokers

Mortgage that suits you

On time customer support

How Do I Choose a Help to Buy Lender?

Can I Check a List of Help to Buy Mortgage Lenders?

Are There Other Lenders who Offer Help to Buy Mortgages?

Which is the Best Help to Buy Lender for Me?

Can I get a Help to Buy Mortgage in Wales?

Can I Get a Help to Buy Mortgage in Scotland?

Independent Advice on Choosing a Help to Buy Lender

Further Reading

Bad Credit Mortgages with the Help to Buy Scheme

Best UK Rates on Help to Buy Mortgages

Can I Get a Help to Buy Mortgage in Scotland?

Can I Get a Help to Buy Mortgage in Wales?

Comparing Help to Buy Mortgage Rates

Mortgage Guarantees for Help to Buy Applicants

Understanding Borrowing Limits on the Help to Buy Scheme

Can I Use Help to Buy More Than Once?

Mortgage Calculator for Help to Buy Borrowing

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Ask the Expert

Mortgage Brokers

Contact

Social

Choosing a Help to Buy Mortgage Lender

Discover What Our Customers

About your mortgage

Based on your yearly income, you may be able to borrow

Choosing a Help to Buy Mortgage Lender

Whole of market brokers

Mortgage that suits you

On time customer support

How Do I Choose a Help to Buy Lender?

Can I Check a List of Help to Buy Mortgage Lenders?

Are There Other Lenders who Offer Help to Buy Mortgages?

Which is the Best Help to Buy Lender for Me?

Can I get a Help to Buy Mortgage in Wales?

Can I Get a Help to Buy Mortgage in Scotland?

Independent Advice on Choosing a Help to Buy Lender

Further Reading

Bad Credit Mortgages with the Help to Buy Scheme

Best UK Rates on Help to Buy Mortgages

Can I Get a Help to Buy Mortgage in Scotland?

Can I Get a Help to Buy Mortgage in Wales?

Comparing Help to Buy Mortgage Rates

Mortgage Guarantees for Help to Buy Applicants

Understanding Borrowing Limits on the Help to Buy Scheme

Can I Use Help to Buy More Than Once?

Mortgage Calculator for Help to Buy Borrowing

Refer, Relax

FCA disclaimer

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Contact

Social

Based on your yearly income,

you may be able to borrow

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