Help to Buy Mortgages & Equity Loans

Expert guidance on equity loans, remortgaging, and current first-time buyer alternatives

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Key Benefits

Understanding Help to Buy schemes and your options

Lower Deposit Required

Buy with just a 5% deposit thanks to government support schemes

Government Backing

Peace of mind with government-backed equity loan or guarantee schemes

New Build Priority

Get on the property ladder with a brand new home and modern warranty protection

Property Value Growth

Benefit from property appreciation while building equity in your new home

Ready to Repay Your Help to Buy Equity Loan?

Step-by-step guide with timelines to help you remortgage and pay off your equity loan

Repayment Timeline
1

Week 1-2: Get RICS Valuation

Book a RICS surveyor (£300-600). The valuation is valid for 3 months so don't delay once you have it.

2

Week 2-3: Appoint Solicitor

You must use a solicitor for the legal process (£500-1,500). They handle the equity loan redemption.

3

Week 3-4: Submit Application

Complete the official Homes England form, pay £200 admin fee, and include your valuation report.

4

Week 4-6: Receive Redemption Statement

Homes England confirms the exact amount you owe based on your equity loan percentage × current value.

5

Week 6-8: Complete & Remove Charge

Your solicitor transfers funds and removes the equity loan charge from your property. You now own 100%.

Official Application Form

Download the official Homes England equity loan repayment application form:

Download Application Form (GOV.UK)
What You'll Need to Upload
  • RICS Valuation Report - dated within last 3 months
  • Solicitor Details - name, firm, and contact information
  • Proof of Funds - mortgage offer or bank statements
  • Redemption Statement - from current mortgage lender (if remortgaging)
  • £200 Admin Fee - payable to Homes England

Help to Buy Customer Services

0300 123 4123

Monday-Friday 8am-8pm, Saturday 9am-1pm

Email: customerservices@myhelptobuyloan.co.uk

Need help arranging your remortgage to repay the equity loan? We handle the entire process.

Get Help to Buy Remortgage Advice

Expert Tips & Insights

Everything you need to know about Help to Buy

Frequently Asked Questions

Get answers to common Help to Buy questions

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Ready to Explore Your Options?

Whether you have an existing equity loan or are looking for first-time buyer alternatives, we're here to help.

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