Comparing Help to Buy Mortgage Rates

How do Help to Buy mortgage rates compare - and why might different lenders give you a very different quotation on your Help to Buy mortgage requirements?

About your mortgage

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

Error: Regular bonus must be between £1 and £10,000,000.

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


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.


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


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.

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.

Comparing Help to Buy Mortgage Rates

Unfortunately, comparing Help to Buy mortgages isn't as simple as it might seem. There are lots of tables available online, but these cannot take into account eligibility criteria - or indicate whether you'd be able to apply for a mortgage.

Our team at Revolution Brokers are experts in Help to Buy schemes and have created this guide to explain how mortgage offers may not be directly comparable.

If you're comparing different lending offers, want to know if the rates you have been quoted are competitive, or want independent advice from a whole-of-market broker, give us a call on 0330 304 3040, or email Revolution at

Can I Compare Help to Buy Mortgage Rates?

Contacting lots of lenders, or looking at online tables does not provide a proper comparison.

  • Rates tables often recommend sponsored or paid-for products, not the cheapest ones.
  • Tables are generic and not tailored to your circumstances.
  • Applying to multiple lenders can rack up searches on your credit file and decrease your chances of a successful application.

The Revolution team can help; we know which lenders will be able to accept your application and deliver independent advice to protect your credit rating and save you time.

How Do I Know which Help to Buy Lenders to Apply to?

There are lots of different criteria that different mortgage lenders adhere to, and each will have its own policies.

  • Affordability calculations consider your employment, how much you earn, and how stable your income is. Lenders also take different stances on allowing commission income into their affordability calculations, or consideration for self-employed applicants.
  • Credit searches will look at your credit history; if any adverse issues are found, you might be best suited to apply to a specialist bad credit lender.
  • The deposit you have available needs to be a 5% minimum, but the more you have, the more comprehensive your choice of lenders. A provider will also need to know the source of your deposit, with differences between what sources each lender will accept - such as savings, investments or cash gifts.
  • Your age is also a consideration. Some lenders will not lend to applicants over 75. Others cap this at 85, and some have no age restrictions.

Therefore, it is essential to consult an experienced broker who will assess your circumstances and ensure you do not apply to any lenders who will reject your application.

How Can I Compare the Amount I Can Borrow Through Help to Buy?

As with eligibility requirements, lenders use different calculations to decide on the maximum they can lend you.

Likewise, they have different policies for lending to self-employed applicants.

In most cases, you can borrow up to three or four times your annual income. Some lenders will offer up to five times your salary, and some as high as six times. The Help to Buy scheme limits this to 4.5 times your income.

As an example, the below table shows the different maximum mortgage that different lenders might offer, on the same £25,000 yearly income - using 3% to illustrate potential monthly repayments on a 25-year term:

Lender calculation method

Maximum mortgage

Monthly repayment

Three times annual income



Four times annual income



Five times annual income



This demonstrates how valuable it is to have independent advice; because if you apply to the wrong lender, they might approve your application but fall short of the mortgage offer you need to buy your selected property.

How Can I Compare Help to Buy Remortgages?

A remortgage isn't far different from a first Help to Buy mortgage - as always, we'd recommend speaking to an independent broker who can make sure you're getting the best deal.

Expert Support with Comparing Help to Buy Mortgage Rates

The mortgage advisors team has extensive experience in brokering Help to Buy mortgages and can help you find the best rates, with a mortgage search tailored to your circumstances.

Give us a call on 0330 304 3040, or email the team at, and we will ensure you get the lending you need, without paying over the odds.

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.