Independent & personal service
98% SUCCESS rate
Access to 1,000+ MORTGAGES
5 star reviews
  • Independent & personal service
  • 98% SUCCESS rate
  • Access to 1,000+ MORTGAGES
  • 5 star reviews

Help to Buy Mortgages

Tell us your figures, and we’ll find the Help To Buy mortgage that fits.

The Mortgage Branch offers a dedicated Help to Buy service where we are able to advise on how this option may be suitable for you, explain how it works fully, completed all the paperwork and liaise with the Help to Buy team and the developer to ensure that both the mortgage and Help to Buy applications are managed through fully saving you time and making the whole process hassle-free.

Family looking for mortgages online
There’s nothing like the buzz of buying your first home – but the process can feel a little daunting. Right now, your head is probably spinning from all the mortgage deals out there, not to mention the late-night deposit calculations, and concerns over whether you can afford the repayments.

How does the Help-to-Buy scheme work?

Help to Buy is a Government scheme designed to help people to get onto the housing ladder as they provide the initial funds, up to 20% of the property value as an Equity Loan, to purchase the property. How it works:

  1. Deposit – You will be required to contribute a minimum deposit of 5% of the property price or more. This is significantly less than the standard deposit contribution.
  2. Shared equity loan – The government will provide a shared equity loan of up to 20% of the property purchase price (40% in London). 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).
  3. Mortgage – The remaining 75% (55% in London) of the purchase price will be covered by a residential mortgage.

For example, you are interested in purchasing a property for £250,000 in Cheltenham:

  • You will need to have a deposit available of at least £12,500 (and an allowance for any applicable lender fees, advice fees, solicitor fees, moving costs etc…)
  • The government will provide a shared equity loan of up to £50,000
  • We arrange a mortgage with an appropriate lender for £187,500


We’ll support you with round-the-clock service, right through to completion.

Latest Mortage Deals

We’ve picked out some of today’s best mortgage rates to give you an idea which lenders and interest rates could be available to you.

Mortgage Calculator

How much can I borrow?

What is your annual salary?

What is your partner's salary? (If applicable)

Estimated property price

What is your deposit amount?

You could borrow up to:

Loan to value (LTV):

Including your deposit, you could afford a house price up to:

To discuss your options, call us today on 01242 696235 or

Request a call back

When you put down roots,
so do we.

Working with our long-standing charity partner, Gloucestershire Wildlife Trust, we pledge to plant a tree in your name when your mortgage completes.


Trees planted

in the last 12 months


To discover your options, call us today on 01242 696 235 or email

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