Get in touch today:
02920 763003

Or, Request a call back

Help-to-Buy Mortgages

Speak to the experts today

Schedule initial consultation

A selection of the lenders we quote

Help-to-Buy is a government scheme that aims to make owning a home more affordable. The Help-to-Buy scheme helps eligible purchasers buy a property up to £300,000 in Wales and £600,000 in England with a 5% deposit and a shared equity loan.

Request a call back or read on to learn more

How does the Help-to-Buy scheme work?

Making a purchase using a Help-to-Buy mortgage is split into three components:

1. Deposit – You will be required to contribute a deposit of 5% of the property price or more. You must pay back the loan after 25 years or when you sell your home – whichever comes first. The amount you pay back depends on how much your home is worth (the market value).

For more information, visit

2. Shared equity loan – The government will provide a shared equity loan of up to 20% of the property purchase price (40% in London).

3. Mortgage – The remaining 75% (55% in London) of the purchase price will be covered by a residential mortgage.

For example, if you fell in love with a dream property that cost £200,000, you would need to save for a £10,000 deposit, plus additional solicitors fees and stamp duty. A shared equity loan from the government would provide £40,000 and a mortgage would cover the remaining £150,000.

Please note: These details are specific to Help to Buy Wales. Options may differ elsewhere in the UK.


Already have 5% saved?

If you are interested in more information,

then just click the button below to request a call back.

Prefer to call us?
Experienced finance experts
Helpful, but not pushy
Fast finance turnaround

Our expert financial advisers are available to take calls between 9am-8pm Monday to Friday.

02920 763003

Why choose Ignite?

Whether you’re taking out a mortgage for the first time or are shopping around after receiving an insurance renewal quote, it’s unlikely you’ll want to spend hours on the phone acquiring quotes. Well, now you don’t need to.

You can calculate your needs, get quotes, compare offers and take our insurance all from the comfort of your sofa with our help.

We’re a modern mortgage and insurance broker that aims to give you what you want – affordable finance and insurance at the click of a button with no upfront fees.

Let's see how we can help you

Give us a call, or we can call you back at a time of your choosing

Give us a call

We're open for business 9am-8pm Monday to Friday.

02920 763003

Request a call back

Just name a time that is convenient for you, and one of our friendly experts will give you a call.

Request call back

Book an expert consultation at a time that suits you

Schedule initial consultation